Product Manager (Issuing & Payment Accounts)

Why Paynovate?

Paynovate is a Belgium-based fintech with more than 80 talented employees. We're building a company where ownership, initiative, and impact are expected. As a regulated e-money institution, we design and operate payment solutions across acquiring, issuing, and payment accounts.

As we continue to scale, we are reaching an important inflection point: moving from a project-driven organisation to a true product organisation.

Today, our Payment Accounts & Issuing stack is a critical foundation for everything we build, but we need to strengthen how we structure and deliver.

To support this, we are looking for a Product Manager who will bring clarity, ownership, and customer-driven thinking into how we build and evolve this domain.

Your Mission

You will start by understanding how the product is actually used, where it breaks, and where the real pain points are.

You will then own and evolve our Payment Accounts & Issuing products into a scalable, reliable, and customer-driven platform.

This is not just about managing a roadmap. You will play a key role in shaping how Product operates at Paynovate, an environment where priorities can evolve, ownership is still being clarified, and alignment across teams is key to delivery.

You Will:

• Take ownership of a critical product domain
• Engage directly with clients, agents, and partners from day one
• Define what success looks like and introduce relevant product metrics
• Bring structure to how Product collaborates with Engineering and Operations
• Help shift the organisation from project delivery to product outcomes

First priorities

You will contribute to and drive several high-impact initiatives, including:

• Enabling cross-border payments
• Introducing French IBANs
• Improving the client onboarding experience
• Automating billing and invoicing processes
• Strengthening scalability and reducing operational friction
• Creating redundancy across key partners (new integrations)
• Evolving issuing capabilities and services

Key Responsibilities

Own the product

• Drive roadmap and priorities for Payment Accounts & Issuing
• Make trade-offs between business needs, technical constraints, and user experience
• Focus on outcomes rather than output

Stay close to users

• Engage directly with clients, agents, and partners
• Understand real pain points and usage patterns
• Translate insights into product decisions

Drive execution

• Improve product reliability and reduce operational and support friction.
• Ensure initiatives are clearly scoped before development
• Ensure topics actually move forward and get delivered in production
• Manage dependencies and unblock teams

Build product practices

• Improve documentation, clarity, and ways of working
• Strengthen collaboration between Product, Engineering, and Operations
• Contribute to structuring the Product function

Use data to drive decisions

• Define and track meaningful product metrics (usage, reliability, performance, cost)
• Validate assumptions with data

Is this you?

You're Comfortable With:

• Card issuing & schemes (4-party model, Visa, Mastercard, transaction flows)
• Payment rails (SEPA, IBANs, SWIFT, cross-border)
• Compliance basics (KYC/KYB, AML, transaction monitoring)
• System integrations (APIs, partners, dependencies)

You Bring:

• 5+ years in Product Management (not only project management)
• Experience in fintech, payments, or banking, with hands-on exposure to complex payment or financial systems in production
• Experience dealing with production issues, system limitations, or scalability challenges.
• A strong focus on customers and real problems

How You Work:

• You bring structure in ambiguous environments
• You take ownership and drive topics forward
• You're comfortable working on technical topics
• You use data to support decisions (metrics, dashboards, basic querying)

What We Offer

An impactful role at the core of our product ecosystem.

You Will:

• Own a critical product domain with real business impact
• Contribute directly to how Product operates at company level
• Work in a fast-moving environment where decisions turn into action
• Be part of a team where ownership, collaboration, and execution matter

A dynamic environment full of growth opportunities, where your role goes beyond delivery. You help shape how we build.

A modern and flexible working environment, where hybrid work is part of how we operate.

If you're excited about building, structuring, and delivering in a real-world payments environment, we'd love to hear from you.