Job Description

Who we are:

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TrueLayer is Europe's fastest-growing Pay by Bank network. We power smarter, safer and faster payments by combining real-time bank payments with financial and identity data. E-commerce, iGaming and Financial Services businesses use our products to onboard new users, accept money and make payouts in seconds, and at scale. Live across 22 countries and with 1 new user joining TrueLayer's Pay by Bank network every 3 seconds, we're in a very exciting growth stage. This is why we're expanding the team across our offices in London, Milan, and Dublin.



Listed in Sifted as one of the 100 fastest growing start-ups in UK & Ireland, and CNBC's World Top Fintech Companies, we're trusted by industry leaders like RyanAir and Just Eat Takeaway for continued innovation within our payment products. To date, we've raised over $300 million from world-renowned investors including Stripe, Tiger Global, Northzone, and Tencent. But this is just the beginning.



We're looking for people who are excited about joining the Pay by Bank revolution and helping us change the way the world pays. Could this be you?

Description

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At TrueLayer, we're building a global account-to-account payments network that's changing how money moves and so much more. We make payments and refunds instant, account data accessible, and verification seamless -- all so innovators in every industry can build better financial experiences for their users.



We are seeking a Senior Product Manager to join our Product Development team within the Merchant Banking group, where you'll navigate the complex landscape of payments, banking infrastructure and regulatory requirements. The Merchant Banking Payments team delivers instant payouts, virtual accounts and complementary merchant services to our business customers.



As a Senior Product Manager, you will lead one or more cross-functional product development teams to define strategic product vision, build comprehensive roadmaps and execute initiatives that drive measurable business outcomes.



At TrueLayer, Product Managers leverage deep technical expertise in financial APIs and infrastructure to solve complex challenges for both internal teams and our customers.


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What we expect from you:

Merchant Cash Flow Optimisation: Help merchants solve their biggest cash flow headaches by driving adoption of TrueLayer's merchant accounts, automated sweeping, and instant payout solutions - turning painful days-long settlement delays into instant transfers while cutting operational overhead. Multi-Currency Settlement Strategy: Own the product strategy for TrueLayer's GBP, EUR, and PLN merchant accounts, leveraging instant settlement rails (SEPA Instant, FPS, Express Elixir) to create seamless, lightning-fast settlement experiences across all currencies while driving expansion into new currencies and markets. Account-to-Account Revenue Growth: Be the champion for Pay by Bank collections and instant payout solutions that demonstrably reduce merchant transaction costs and provide faster settlement compared to traditional card-based payment rails, with a strong focus on payout product excellence. Instant Payouts Excellence: Optimise TrueLayer's payout APIs for both existing customers and new recipients, maintaining 99.9%+ payout success rates whilst ensuring instant settlement and enhancing merchant reconciliation capabilities. Recurring Payments Innovation: Build rock-solid API infrastructure and platform capabilities for pull payment functionality, tackling complex collection challenges head-on. Merchant Account Management: Take ownership of merchant account provisioning, balance management, and reconciliation capabilities, ensuring merchants can efficiently track funds, manage multi-currency balances, and automate fund movements without technical complexity. Scale & Reliability Excellence: Master the art of balancing exciting new merchant banking features with technical debt management and infrastructure reliability initiatives, ensuring payment systems perform under high transaction volumes.
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About you:

Product Management Experience: You bring 3-5 years of product management experience working alongside engineering teams in agile environments, with a proven track record of delivering complex technical projects from concept to launch. Customer Focus & Stakeholder Management: You excel at working directly with merchants to deeply understand their operational challenges, whilst building brilliant relationships with teams across the company - including Customer Success, Integration Sales, Bank Partnerships, Legal, and Compliance - to deliver solutions that delight customers and hit business goals. Data-Driven Prioritisation: You act decisively on incomplete data sets, using your prioritisation skills to build consensus among stakeholders whilst balancing big-picture vision with tactical execution in TrueLayer's fast-paced environment. B2B Technical Product Expertise: You've got solid experience with API products, PaaS solutions, or technical SaaS platforms and love building merchant banking infrastructure for developers who integrate multiple financial endpoints and banking APIs. SQL & Data Analysis: You're comfortable working with datasets using SQL, Excel, and data visualisation tools to analyse payment performance, investigate settlement issues, and identify root causes of merchant problems - performing independent analysis when required. Go-to-Market Experience: You have experience crafting and executing go-to-market strategies for technical B2B products, managing product launches and coordinating with sales and marketing teams to successfully roll-out new capabilities. Cross-Functional Delivery Experience: You've successfully coordinated and delivered complex technical projects involving multiple endpoints, microservices architecture, and cloud infrastructure whilst communicating effectively with engineers and keeping product leadership in the loop. Problem Solving: You handle payment processing issues, settlement delays, and merchant escalations with strong analytical skills, working across engineering, partnerships, and external payment processors to resolve complex problems under pressure.

We would be particularly excited if you have:

Financial services product experience Technical background with ability to understand complex technical challenges Payments industry experience (banks, fintechs, cards, PSPs) Start-up experience in fast-growth environments

Don't meet all the requirements?

Multiple studies have shown that women and people of underrepresented groups are sometimes less likely to apply to jobs unless they meet every single requirement. At TrueLayer, we are committed to building a diverse workforce, so if you are excited about this role and have the essential skills, but not the entire checklist - we'd still love to hear from you!

Benefits

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What you can expect from us:

Meaningful equity in the company
Flexible hours and hybrid working -- work from home and our incredible offices in London Milan and Dublin
Need to collect the kids from childcare? Love a workout in the gym first thing? No worries, we trust you to do your best work within our hybrid framework
A one-off remote-working budget to help you set up your home office
24 days holiday as standard ?? with flexible bank holidays, so you can take those days whenever you like
12 fully-paid wellbeing days a year and your birthday off (on top of the holiday allowance) ? 2 volunteering days to support causes important to you 90 day 'work from abroad' policy ??
Generous parental leave, above and beyond statutory requirements and with no minimum tenure
Competitive pension contribution at 4% & 4%
Private health insurance from the day you start ?? Membership of mental wellbeing platform Spill
A 1000 budget to spend on learning & development each year
Free lunch from Just Eat(If you choose to work from the office on Tuesdays and Wednesdays)

At TrueLayer, we don't just do inclusion and diversity. We embrace people that have different opinions, perspectives and personalities. Because we believe that by seeing the world from all sorts of angles, we can make life better for all the people who live in it. We strongly encourage applications from underrepresented groups (e.g. people of colour, the LGBTQ+ community, people with disabilities, neurodivergent people, parents, carers, and people from all socio-economic backgrounds). If you'd like to discuss alternative working patterns, please let us know.



We will always aim to make appropriate adjustments to ensure we are fully inclusive to people with different needs during our interview process. So if you need us to make any adjustments to suit your individual needs please let us know - we'll be happy to support you.