Senior/ Lead Product Manager

Zig is s ride-hailing app, and every great trip ends with a seamless payment experience. We're looking for a Senior Product Manager to lead our end-to-end payments platform, shaping how money moves from rider payments to driver settlements and reconciliation, while partnering closely with teams across Product, Engineering, Finance, Risk & Compliance, and our payment partners.

Job responsibilities:

• Design and be responsible for the vision and a multi-quarter roadmap for the whole payment system, built with the business, Finance and engineering leads, not a backlog of single features.
• Manage and build, buy or integrate, and make the business case for each choice in numbers: cost per transaction, success rate, time to market, operational load.
• Responsible for the full lifecycle of a payment, from authorisation through capture, settlement and reconciliation, including every failure, retry and fallback path.
• Drive down payment failures, wrong or fallback charges, stuck settlements and manual Finance work, and be able to show the trend each month.
• Lead payment-led partnerships: co-branded offers, BIN-based discounts, new wallet and rail integrations.
• Create details PRDs that engineers can build from: flows, state diagrams, edge cases and acceptance criteria.
• Work effectively with API contracts, idempotency, retries, webhooks and asynchronous payment states, and challenge designs on their failure modes.
• Run delivery across iOS, Android, backend and data teams, and ship in measurable increments rather than big-bang releases.
• Partner with Risk, Legal, Finance and Compliance on MAS requirements, PCI-DSS, PDPA, AML and fraud controls, and audit readiness.
• Design for disputes, recoverability and operational support from the start, not as an afterthought.
• Define, manage, and drive improvements on the payment scorecard: payment success rate, authorization rate, time to settle, refund and dispute rate, cost per transaction, reconciliation breaks, and support contacts per 1,000 trips.
• Use SQL, dashboards and experiments to find the biggest leaks and priorities them by recovered or saved.
• Use Generative AI and automation to redesign workflows, reduce repetitive work and human error, improve decision quality, and build the team's strategic consulting capability
• Any ad hoc duties as assigned

Job Requirements:

• Minimum 7 years and above in product management, including more than 4 years experiencing the payments, billing, wallet, fintech or marketplace money-movement product is preferred.
• Hands-on knowledge of the payments ecosystem: PSPs, acquirers, card schemes, local rails (PayNow, FAST, GIRO), wallets, tokenisation, 3DS, settlement cycles and reconciliation will be a plus.
• Experience shipping and supporting refunds, chargebacks, partial captures, pre-auth holds, and failure and retry handling will be advantage.
• Strong technical fluency: you can read an API spec, challenge a design and reason about failure modes without writing code.
• Track record of shipping finance-critical or regulated products, working closely with Finance and Compliance.
• Strong analytical skills: comfortable in SQL and BI tools, and you define the success metric before you build.
• Strong in writing and structured thinking, and the ability to shape and presentation to senior stakeholders
• Experience using AI tools to speed up specs, analysis and discovery will be a plus.
• Preferably ride-hailing, delivery, e-commerce, travel or another two-sided marketplace.
• Corporate billing, invoicing, driver payouts or split payments are preferred.
• Cross-border payments, multi-currency, or launching in a new market.
• Fraud tooling, risk scoring and payments observability.