🎯 WHY THIS ROLE MATTERS

• Shape a strategic growth area for OpenXcell by extending the company's product engineering strengths into modern payment rails, stablecoins, blockchain and on-chain financial infrastructure.
• Create reusable platform capabilities that can accelerate delivery across multiple customers, markets, partners, and financial use cases rather than building one-off solutions.
• Connect business strategy with deep technology execution across product, engineering, architecture, security, data, compliance, operations, and go-to-market teams.
• Establish a scalable foundation for secure, compliant, API-driven and globally extensible payment products that can evolve with regulation, customer demand, and emerging financial networks.

• Advance OpenXcell's AI-native approach by identifying practical applications of AI, machine learning, and agentic automation across fraud, risk, transaction intelligence, customer operations, compliance, and platform efficiency.

🧭 WHAT YOU WILL OWN

• Define and communicate the product vision, multi-year strategy, roadmap, investment priorities, and measurable outcomes for OpenXcell's Payments, FinTech and next-generation financial platform portfolio.
• Lead product strategy across payment acceptance, payouts, wallets, ledgering, settlement, reconciliation, treasury, merchant solutions, global money movement, and payment orchestration.
• Drive product expansion into stablecoin and digital-asset infrastructure, including on-chain payment flows, blockchain networks, digital wallets, token-based settlement, liquidity and treasury experiences, and interoperability with traditional payment rails.
• Identify the highest-value 0-to-1 and 1-to-N platform opportunities and translate them into scalable capabilities, clear product requirements, phased roadmaps, and commercial outcomes.
• Own product discovery from customer and market insight through problem definition, business case, architecture alignment, MVP scope, launch, adoption, optimization, and lifecycle management.
• Establish portfolio-level prioritization frameworks balancing customer value, strategic differentiation, revenue potential, delivery complexity, platform leverage, security, compliance, and operational risk.
• Partner with executive leadership and business teams to shape market positioning, solution packaging, customer proposals, strategic partnerships, and product-led growth opportunities.

💳 PAYMENTS, STABLECOINS & ON-CHAIN PLATFORM LEADERSHIP

• Lead product capabilities for merchant payments, payment links and checkout, payment APIs, wallets, deposits, withdrawals, payouts, refunds, settlement, reconciliation, and transaction lifecycle management.
• Define product requirements for stablecoin-based payment and settlement flows, including multi-asset and multi-network experiences, treasury movement, on/off-ramp integrations, and abstraction of blockchain complexity from end users and merchants.
• Evaluate blockchain and on-chain networks based on speed, cost, liquidity, finality, reliability, security, ecosystem maturity, compliance requirements, and target customer use cases.
• Design product capabilities for wallet infrastructure, address and transaction management, custody or custody-partner integrations, key-management considerations, token movement, network fees, transaction status, confirmations, and exception handling.
• Guide interoperability between blockchain-based financial rails and traditional payment or banking ecosystems, including cards, bank transfers, virtual accounts, ACH/wire integrations, and local payout methods where applicable.
• Define product controls for settlement, ledger integrity, reconciliation, liquidity, treasury operations, disputes, refunds, reversals, and financial reporting.
• Build a platform mindset around reusable payment primitives, APIs, orchestration services, policy engines, risk controls, and integration patterns that can support multiple products and customer implementations.

🛡️ TRUST, RISK, SECURITY & COMPLIANCE BY DESIGN

• Partner with Security, Legal, Risk, Compliance and Engineering to embed KYC/KYB, AML, sanctions screening, transaction monitoring, fraud prevention, identity, authentication, authorization, privacy, data governance, auditability, and policy enforcement into the product architecture.
• Define risk-aware customer and transaction experiences that balance security, compliance, conversion, operational efficiency, and customer trust.

• Drive platform capabilities for identity and account security, including strong authentication, MFA, adaptive or risk-based controls, OAuth/OIDC, authorization, session and token security, and Zero Trust principles where relevant.
• Ensure product decisions account for applicable payment, security, privacy, and operational standards such as PCI DSS, SOC 2, ISO 27001, NIST, GDPR, and market-specific regulatory requirements.
• Build clear governance for emerging digital-asset products, including network risk, partner risk, transaction controls, monitoring, escalation, audit trails, and human oversight.

🤖 AI, DATA & INTELLIGENT FINANCIAL OPERATIONS

• Identify and prioritize practical AI/ML opportunities across fraud detection, anomaly detection, transaction intelligence, merchant onboarding, compliance operations, customer support, reconciliation, and platform operations.
• Develop governed AI and agentic workflows with appropriate security, privacy, explainability, observability, human review, model-risk controls, and measurable business outcomes.
• Use data, experimentation, customer feedback, and operational metrics to improve conversion, transaction success, reliability, risk performance, integration quality, and customer experience.
• Define data products and decisioning capabilities that provide real-time visibility into transaction health, customer behavior, risk patterns, liquidity, settlement, and operational performance.

👨‍💻 DEVELOPER PLATFORM & ECOSYSTEM

• Drive a developer-first product experience across REST APIs, SDKs, webhooks, authentication, idempotency, sandbox environments, test data, documentation, developer onboarding, observability, and integration tooling.
• Define extensible partner and integration frameworks for financial institutions, payment processors, blockchain networks, liquidity providers, identity and compliance vendors, data providers, and enterprise customers.
• Partner with Architecture and Engineering to build API-first, cloud-native, event-driven, resilient and observable platforms designed for high availability, security, and global scale.
• Establish platform standards that reduce integration effort, accelerate customer onboarding, and improve reuse across OpenXcell products and client solutions.

🤝 LEADERSHIP & CROSS-FUNCTIONAL EXECUTION

• Provide product leadership across multidisciplinary teams and create clarity in complex, ambiguous, and highly technical problem spaces.
• Partner closely with Engineering, Architecture, Security, Data, AI/ML, Compliance, Operations, Sales, Customer Success, and executive leadership to align strategy and execution.
• Lead product planning, quarterly and annual roadmapping, executive reviews, dependency management, risk management, launch readiness, and post-launch performance reviews.
• Coach and elevate product management practices, including discovery, PRDs, outcome-based roadmaps, customer validation, prioritization, experimentation, KPI design, and executive communication.
• Influence without relying solely on authority; build durable alignment across technical and business stakeholders while maintaining high standards for decision quality and execution.
• Represent product strategy in customer, partner, and leadership discussions and communicate complex technology and financial concepts in clear business terms.