Product Lead Payments

Our Product team is building the core payment infrastructure that powers how customers move money — instantly, securely, and at scale. Payments and transfers are foundational to Plata's ecosystem: they enable everyday usage, drive account stickiness, unlock monetization, and serve as the backbone for all other financial products.

In Colombia, we are starting from scratch. Your mission will be to design, launch, and scale Plata's Payments & Transfers stack end-to-end, while reusing and adapting the technologies, integrations, and operating models that already work successfully in Mexico.

This is a senior product leadership role with strong technical, operational, and regulatory exposure. You will own strategy, roadmap, execution, and outcomes across customer experience, reliability, compliance, and unit economics.

Challenges that await you:

Own the end-to-end Payments & Transfers ecosystem for Colombia

You will be accountable for the full lifecycle of money movement, including:

• Account-to-account transfers (inbound and outbound)
• PSE and bank transfers
• Internal transfers between Plata users
• Card-based money movements (where applicable)
• Cash-in / cash-out flows (if applicable)
• First successful transaction and repeat usage

From product design and regulatory alignment to launch, scale, and optimization — you own the entire journey

Build and scale core payment rails

• Design and launch integrations with local payment infrastructure (ACH
• Colombia, PSE, interbank rails)
• Define payment flows, settlement logic, cut-off times, reversals, and
• exception handling
• Partner with Engineering to ensure high availability, low latency, and
• strong observability
• Own reconciliation, clearing, and settlement product requirements

Optimize transfer experience and reliability

• Design intuitive, fast, and transparent payment flows in the app
• Reduce failed, delayed, or reversed transactions
• Improve time-to-completion and user trust in money movement
• Ensure clear communication of fees, limits, and transaction statuses

Lead the evolution of Payments & Transfers products & tools

• Own the product roadmap for all customer-facing payment and transfer
  journeys
• Define internal tools used by Operations, Finance, Risk, and Customer
  Support
• Translate regulatory, compliance, and operational needs into clear
  product requirements
• Prioritize features that improve success rate, scalability, and cost
  efficiency

Own risk, fraud, and compliance flows in payments

• Work closely with Risk and Compliance to design:
  • Transaction monitoring rules
  • Velocity limits and thresholds
  • Fraud prevention and anomaly detection
• Ensure compliance with AML, SARLAFT, and reporting obligations
• Balance user experience with regulatory and risk constraints

Be the owner of metrics

You will define, monitor, and continuously improve key metrics, including:

• Payment and transfer success rate
• Time-to-settlement and processing SLAs
• Transaction error and reversal rates
• Cost per transaction and overall payment unit economics
• Fraud rate and false positives
• Customer satisfaction (NPS, CSAT) for payments

You will run experiments (A/B tests on flows, limits, pricing, messaging) to optimize performance and adoption.

Manage and grow a cross-functional product team

• Lead a team that may include Product Managers, Business Analysts, and
  Engineers
• Set clear goals, ownership, and delivery standards
• Establish strong discovery, delivery, and incident-management processes
• Build a culture of accountability, resilience, and continuous improvement
  

What makes you a great fit:

• 5+ years of experience in Product Management, in fintech, payments, banking, or financial infrastructure
• Proven hands-on experience working with the Colombian market
• Deep understanding of local payment rails in Colombia (PSE, SPEI-equivalents, bank transfers, local clearing & settlement flows)
• Practical experience launching, scaling, or operating payments / transfers products specifically in Colombia
• Hands-on experience owning Payments / Transfers / Money Movement products end-to-end
• Hands-on experience working with Colombian regulation
• Excellent analytical and communication skills, with ability to translate data into actionable insights
• Fluent in English

• Innovative Spirit: A commitment to creativity and groundbreaking solutions
• Honest Feedback: valuing open, transparent communication
• Supportive Team: a strong, collaborative community
• Celebrating Achievements: recognizing our wins together
• High-Tech Environment: a team full of smart and revolutionary people who date to challenge the status quo of incumbent finances

• Relocation support to one Colombia  — with assistance for the employee and their family
• Flexible work from one of our offices or remote
• Healthcare Coverage
• Education Budget: Language lessons, professional training and certifications
• Wellness Budget: Mental health and fitness activity reimbursements
• Vacation policy: 20 days of annual leave and paid sick leave