Fintech Product Manager (Wallet & Payments)

About the Company

Snaplii is one of Canada’s fastest-growing fintech platforms, transforming how people pay, save, and earn rewards. With over $100M in annual transaction volume and 200,000+ users across North America, we deliver unmatched utility and loyalty through a single seamless app. We’ve ranked as high as #5 on the Apple App Store during peak shopping seasons, and consistently remain in the Top 40, driven by a highly engaged, high-retention user base. Snaplii supports 500+ leading brands including Walmart, Amazon, and Esso, with a platform fully built and maintained in-house—engineered to scale and support a growing suite of financial products.

About the Role

We are looking for a Fintech Product Manager who truly understands how money is stored, moved, and spent—and can translate that understanding into a compliant, scalable product system. In this role, you will own Snaplii’s next-generation wallet/balance products (Wallet 2.0) and core payments architecture across Canada and the United States. You will design the end-to-end user money flow—from funding to spending to retention—while optimizing payment costs and enabling future cross-border and stablecoin payment capabilities.

Responsibilities

1）Wallet / Balance Product Design (Canada & US)

• End-to-end user flows: top-up, spend, hold, transfer, withdrawal constraints
• Reward/interest/earnings experience: calculation rules, display logic, user transparency
• Clear product boundaries under Canadian & US regulatory frameworks
• Role definitions across stakeholders: Snaplii vs custodian/trust/issuer/payment partners
• Designing money movement logic that increases retention, improves success rate, and supports future expansion

2）Compliance-by-Design Product Development

• Partner closely with Legal, Compliance, and Banking/Custody providers to translate regulatory requirements into executable product logic, including:
• KYC/KYB and identity requirements
• Funds segregation / safeguarding principles
• Account type / balance restrictions and transaction limitations
• Monitoring, exceptions, and user-facing constraints designed for compliance-first scale

3）North America Payments Architecture

• Build deep product-level understanding and participate in designing these payment rails and their user-facing integration:
• Pay-by-Bank / A2A / Real-time payments
• Card payments (Visa / Mastercard) including concepts such as 3DS, dispute & chargeback, liability shift, MCC, authorization behavior, and settlement constraints

4）Payment Cost Optimization & Unit Economics

• Work with Risk and Finance to optimize payment cost structure and protect margins:
• Improve blended payment costs and steer users toward lower-cost payment paths
• Reduce chargeback exposure through risk-aware product design
• Design incentives and UX mechanisms that balance conversion, cost, and experience
• Build frameworks and decision models to align product growth with sustainable unit economics

5）(Bonus) Cross-border & Future Payments Enablement

• Support Snaplii’s longer-term strategy around cross-border and stablecoin-powered payments:
• Understand how USDC/USDT can enable real-world consumer spending in North America
• Explore Snaplii’s potential role as the “last-mile consumer spending layer”
• You don’t need to be a crypto trader. But we do expect a practical understanding of where stablecoins create real value in payment flows.

Qualifications

• 5+ years of experience in fintech product, payments, or wallet/stored value products
• Hands-on experience building or operating wallet/payment products in Canada and/or the US
• Deep understanding of at least 2 of the following domains:
• Wallet / stored value / balance products
• Bank-to-bank payments (A2A, RTP, EFT, ACH)
• Card payment networks (Visa/Mastercard) including disputes, risk, chargebacks
• Strong capability to work with and influence cross-functional partners: Legal, Compliance, Banking/Custody, PSPs
• Ability to simplify complex financial/regulatory requirements into clear product specs and scalable systems

Required Skills

• Experience partnering with custodian banks, trust accounts, issuers, PSPs
• Familiarity with MSB / PSP registration-related product design
• Proven track record launching compliant wallet/balance products from pilot to scale
• Practical understanding of cross-border payments / stablecoin rails / PayFi
• Experience building products 0→1 or scaling from compliance-constrained MVP to mass adoption