Senior Product Manager, Banco (Consumer App) | Papaya Global Login Workforce OS Payment OS Contact support EN ES DE FR Products Why Papaya Solutions Resources Company Pricing Contact Us Workforce OS AI Payroll Mastered Contingent OS AI External Workforce Mastered OnePay AI Every Payment Mastered OneData AI Intelligence Layer One Compliance Mastered Core Employment Services Platform overview Core End-to-end payroll platform Global payroll Core Run payroll in 180+ countries Employer of record (EOR) Core Hire anywhere without entities Contractor of record (COR) Compliant contractor engagement Platform Capabilities Shadow payroll Cross-border tax obligations Time & attendance Track hours, shifts & PTO Workforce analytics Real-time workforce insights Employee app Employee self-service portal Global
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benefits across borders SmartExpense Agent Automate expense tracking & reporting Core Services Platform overview Core Unified contingent platform Contractor management Core End-to-end contractor lifecycle Worker classification Core AI-backed risk determination Platform Capabilities VMS connector Connect your VMS seamlessly Core Payment Services Platform overview Core Global payments infrastructure Payments API Core Embed payroll payments anywhere Payment rails Core Fastest in-country delivery Banco wallet Core Instant worker access to pay Payment Methods. Expanded. Core Every market. Every wallet. Platform Capabilities Split payments Pay across multiple accounts Virtual IBAN account Dedicated receiving accounts Core Intelligence How OneData works Core Single workforce data model AI data assistant Core AI-powered data validation Platform Capabilities Integration & mapping Connect your HCM & ERP stack Payment connector Integrate any payment source JE automation Automated journal entries Core Tools Platform overview Core Compliance intelligence engine Knowledge base copilot AI Core AI compliance assistant Countrypedia Core Country-by-country regulations Paymentspedia Global payment intelligence We Own It Full Liability Ownership Risk & liability coverage Payment protection Product releases Enterprise Grade Built for Fortune 500 Security & compliance Licensed financial institution Payments transparency 180+ countries coverage AI + Human Experts Side-by-Side Delivery Embedded AI In-country experts Pays for Itself Speed & ROI Proof ROI calculator Customer proof Support By Workforce Type By Business Need By Geography By Industry Independent contractors Compliant engagement globally Payroll workers Full-time employees anywhere Gig workers / freelancers Flexible talent at scale Hybrid workforce Mixed employment models Rapid global expansion Enter new markets in days Compliance & risk We own the liability Vendor consolidation One platform, not twelve Cost optimization 30% ops cost reduction Banco wallet Instant worker access to pay Global equity Equity for every employee Global immigration Visa & mobility management AI Expense agent Streamlined expense reporting Global coverage Operations in 180+ countries US solutions Full US workforce compliance Global
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benefits SmartExpense Agent View all Workforce OS Contingent OS External Workforce Mastered Core Services Platform overview Core Contractor management Core Worker classification Core Platform Capabilities VMS connector View all Contingent OS OnePay Every Payment Mastered Core Payment Services Platform overview Core Payments API Core Payment rails Core Banco wallet Core Payment Methods. Expanded. Core Platform Capabilities Split payments Virtual IBAN account View all OnePay OneData Intelligence Layer Core Intelligence How OneData works Core AI data assistant Core Platform Capabilities Integration & mapping Payment connector JE automation View all OneData One Compliance Mastered Core Tools Platform overview Core Knowledge base copilot AI Core Countrypedia Core Paymentspedia View all One Why Papaya We Own It Full Liability Ownership Risk & liability coverage Payment protection Product releases Enterprise Grade Built for Fortune 500 Security & compliance Licensed financial institution Payments transparency 180+ countries coverage AI + Human Experts Side-by-Side Delivery Embedded AI In-country experts Pays for Itself Speed & ROI Proof ROI calculator Customer proof Support Solutions By Workforce Type Independent contractors Compliant engagement globally Payroll workers Full-time employees anywhere Gig workers / freelancers Flexible talent at scale Hybrid workforce Mixed employment models By Business Need Rapid global expansion Enter new markets in days Compliance & risk We own the liability Vendor consolidation One platform, not twelve Cost optimization 30% ops cost reduction Banco wallet Instant worker access to pay Global equity Equity for every employee Global immigration Visa & mobility management AI Expense agent Streamlined expense reporting By Geography Global coverage Operations in 180+ countries US solutions Full US workforce compliance Global
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benefits Statutory payments Mandated payments, automated By Industry Maritime Crew payroll & compliance Oil and gas Rotational workforce payroll Gaming Global gaming workforce Staffing firms & MSPs Scale your staffing operations Freelance platforms Marketplace payout solutions BPO companies Multi-country BPO payroll Multinational companies One platform, every market Accounting firms White-label payroll services Resources Learn Grow your knowledge Academy Glossary Library Blog Research Proof & Validation See the results All case studies Customer stories Tools Interactive utilities Global employment cost calculator IBAN checker SWIFT finder RFP template Company Get to Know Us Our story & culture About Our story & mission Our team Leadership & culture Quick Links Careers, press & more Careers Join
the team Media & press News & announcements Partners Our partner ecosystem Pricing Contact Us Back Senior Product Manager, Banco (Consumer App) Herzliya Full-time Product Description Papaya Global is a rapidly growing, award-winning B2B tech unicorn with an ambitious mission to revolutionize the payroll & payments industry. With over $400M raised from multiple tier-one investors, our innovative technology provides a comprehensive solution for managing global workforces, encompassing everything from hiring and onboarding to managing and paying employees in over 160 countries. We’re looking for a Senior Product Manager to own the Banco consumer experience end to end. This is a rare seat: a genuinely consumer-grade fintech product — wallet, card issuing, KYC/onboarding, withdrawals — that reaches a global, mass user base, but distributed through enterprise customers rather than paid acquisition. You will own the roadmap, priorities, and execution for the app workers touch every time they get paid, and you will be accountable for making that experience fast, reliable, and effortless at scale. You will report to the Director of Product leading the Payments applicative group and work in a squad model — a dedicated design, analytics, and engineering team — with a mandate to raise the quality bar of the app while growing activation and retention among the workers our customers onboard. What you’ll own The end-to-end Banco consumer experience: onboarding and identity verification (KYC), the multi-currency wallet, card issuing (virtual and physical), and withdrawals to bank and stablecoin — across web and mobile. Activation and retention: turning invited workers into active, paid, engaged users; reducing drop-off across onboarding and first-payout funnels. Reliability and quality: driving down errors, support tickets, and friction so that “I got paid” is boring and dependable. Localization at scale: making the experience feel native across 160+ countries and dozens of payout rails, banking conventions, and languages. The consumer data model: real objects (addresses, bank accounts, identity) that power smart UX — IBAN→bank lookup, zip→address autofill, one-time data entry instead of repeated forms.
Requirements Consumer product experience. You have owned a B2C or consumer-grade app — ideally in fintech, neobanking, payments, wallets, or gig-economy payouts — where the user is an individual, not a business, and the bar is “make it effortless.” This is the core requirement for this role. Mobile-first UX instinct. You think in funnels, activation, and retention, and you have measurably improved onboarding or engagement in a consumer app. Payments or fintech depth. You understand money movement — wallets, cards, KYC/AML, payout rails — or you have shown you can master a complex, regulated domain fast. Metrics fluency. You quote baseline → intervention → result numbers, know how each metric was measured, and know its weaknesses. Correctness instinct for money. You grasp that in money movement a wrong payout costs far more than a blocked one, and you design for that asymmetry. Individual ownership. You can tell at least one product story entirely in “I” terms — the decision you personally made, the alternative you rejected, and what happened. Practical AI fluency (2026 bar). You use AI daily in your own product work and can describe last week’s usage concretely;
bonus if you have shipped AI features and understand evals, failure modes, and human-in-the-loop.
Nice to have Cross-border / multi-currency payments, card issuing, or KYC-provider integration experience. Experience taking a consumer app from early/unstable to reliable at scale. Experience in both a large PM org and a scrappy, 0→1 environment. Hands-on building — you ship small things without waiting for engineers. Apply for this position --> Power up your payroll & payments Boost productivity and performance, so you can focus on what matters-your business Get a Demo USA 9 TIMES SQUARE 200 West 41st Street New York, New York 10036 Hong Kong Flat/RM 1906 19/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay Privacy Terms FX policy Wallet and Payment Processors Accessibility Cookies Policy Papaya Standards Code of Conduct Hey AI, learn
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About Us Careers Media & Press Team Support WhatsApp +1 (888) 316-4994 Contact Us Online Affiliate Partnerships Papaya Global meets the highest international security and privacy standards, including SOC 1, SOC 2, ISO 27001, ISO 27701, and GDPR. Papaya Global’s payment services are offered through Azimo, Papaya’s licensed payments arm. Azimo is a payment services provider regulated in five Tier-1 jurisdictions. These licenses allow Papaya, together with its partners, to provide workforce payments worldwide. For further information on Azimo’s licences worldwide, check our licensing page . Privacy Terms FX policy Wallet and Payment Processors Accessibility Cookies Policy Papaya Standards Code of Conduct Hey AI, learn
