Payment Product Manager (Clearing & Settlement)

Binance is a leading global blockchain ecosystem behind the world’s largest cryptocurrency exchange by trading volume and registered users. We are trusted by 300+ million people in 100+ countries for our industry-leading security, user fund transparency, trading engine speed, deep liquidity, and an unmatched portfolio of digital-asset products. Binance offerings range from trading and finance to education, research, payments, institutional services, Web3 features, and more. We leverage the power of digital assets and blockchain to build an inclusive financial ecosystem to advance the freedom of money and improve financial access for people around the world. Why Binance • Shape the future with the world’s leading blockchain ecosystem • Collaborate with world-class talent in a user-centric global organization with a flat structure • Tackle unique, fast-paced projects with autonomy in an innovative environment • Thrive in a results-driven workplace with opportunities for career growth and continuous learning • Competitive salary and company benefits • Work-from-home arrangement (the arrangement may vary depending on the work nature of the business team) Binance is committed to being an equal opportunity employer. We believe that having a diverse workforce is fundamental to our success. By submitting a job application, you confirm that you have read and agree to our Candidate Privacy Notice. Responsibilities Responsible for the product design and iteration of the company's payment middle platform, order system, and clearing module in Europe and Latin America, serving as the main person in charge of the company's core payment infrastructure product line. Drive the product development roadmap, and execution for the global fiat payment platform, focusing on backend capabilities. Lead the design of the full lifecycle management system for orders: order creation, status transition, timeout handling, and reconciliation closed loop. Design the clearing system: T+0/T+1 settlement schemes, multi-currency reconciliation rules, error handling, and fund verification. Recommend integration strategy for global payment channels (PSPs, bank rails, local payment methods), ensuring s calable and standardized integration frameworks. Build and optimize core system modules, including transaction lifecycle management, success rate optimization, latency reduction, and failure handling. Partner with engineering, risk, compliance, and finance teams to design robust systems for settlement, reconciliation, and fund flow management. Drive platform-level improvements to support global scalability, including multi-region architecture, localization frameworks, and system abstraction. Define and monitor key system metrics (e.g., success rate, latency, reliability), and drive continuous optimization through data and experimentation. Collaborate with internal product teams (e.g.