job Description – Product Manager (Payments / Pre-Processing)

Experience: 5–10 years
Location: London, Madrid
Language: High level of English required

We’re the world’s leading provider of secure financial messaging services, headquartered in Belgium. We are the way the world moves value – across borders, through cities and overseas. No other organisation can address the scale, precision, pace and trust that this demands, and we’re proud to support the global economy.

We’re unique too. We were established to find a better way for the global financial community to move value – a reliable, safe and secure approach that the community can trust, completely. We’re always striving to be better and are constantly evolving in an ever-changing landscape, without undermining that trust. Five decades on, our vibrant community reflects the complexity and diversity of the financial ecosystem. We innovate diligently, test exhaustively, then implement fast. In a connected and exciting era, our mission has never been more relevant. Swift now has a presence in 200+ countries and legal territories to serve a community of more than 12,000 banks and financial institutions

Overview

We are seeking a Product Manager with solid exposure to the financial industry, particularly in payments. The role focuses on the development and enhancement of the payment pre-processing platform, ensuring accurate preparation, validation, and enrichment of payment data before routing to downstream systems. Knowledge of SWIFT standards and platform is a strong plus.

Key Responsibilities

• Define and drive the product vision, strategy, and roadmap for payment pre-processing capabilities.
• Conduct business analysis, gather requirements, and translate user and stakeholder needs into clear product specifications and user stories.
• Ensure the validation, transformation, and enrichment of payment data meets operational, compliance, and customer requirements.
• Collaborate with engineering and architecture teams to prioritize features and deliver high-quality solutions.
• Engage with internal and external stakeholders, including senior management, to align priorities and ensure transparent communication.
• Support pricing strategy, product positioning, and commercial evaluations.
• Monitor market trends, competitive landscape, and regulatory developments to identify new opportunities.
• Serve as Product Owner within Agile squads, managing backlog priorities and sprint planning.
• Review and prepare documentation, business cases, and go-to-market materials.
• Foster a client-centric mindset, ensuring each product decision maximizes customer value and usability.

Required Skills & Qualifications

• 3–7 years of experience as a Product Manager or Product Owner, preferably in financial services.
• Experience in payments, payment processing, or payment data workflows.
• Strong understanding of payment data models, validations, and pre-processing logic.
• Solid experience working within Agile frameworks.
• Strong business analysis, problem-solving, and requirements-definition capabilities.
• Good understanding of pricing, product economics, and value articulation.
• Excellent communication skills, both verbal and written.
• Strong stakeholder management abilities, including interactions with senior leadership.
• High level of English.
• Excellent analytical and problem-solving skills with the ability to design innovative solutions.

Preferred / Optional Qualifications

• Knowledge of SWIFT standards and connectivity models.
• Experience in API products, back-office and/or front-end payment systems, or payment orchestration platforms.
• Familiarity with regulatory and compliance considerations in payment processing.

Soft Skills

• Strong interpersonal and presentation skills.
• Ability to navigate complex environments and influence without direct authority.
• Structured, proactive, and results-oriented.
• Clear client-centric attitude in decision-making and prioritization.

Key Responsibilities

• Define, develop and/or validate improved/new product/ market concepts and/or business solutions based upon customer needs.
• Define and develop a mid to long term marketing plan to inform internal/external parties about strategic product/market development.
• Ensure and/or produce detailed product definitions and associated business cases for new and renewed products, within the framework of the overall business strategy. Coordinate the approval for business cases, provide IT with customer/product requirements and act as an interface between product development and commercial divisions.
• Initiate, drive and control product launch projects to ensure timely delivery of agreed specifications. Manage all aspects of the marketing plan (product/pricing offer, promotion, training of commercial teams and customers and the development of user documentation).
• Keep abreast with trends in the industry and share information with other divisions/departments.
• Manage a product portfolio through their life cycle by defining yearly sales targets, continuously monitoring P&L and ensuring continually product improvements or renewals.
• Liaise with other divisions/departments of the company, customers, vendors, regulatory bodies and industry associations and make presentations.
• Provide advice and guidance to less senior product/market managers.

Competency Profile

• Takes Accountability for Delivering Results
  Makes and takes accountability for significant decisions and actions on operational/tactical issues; takes initiative to deliver results under conditions of pressure, adversity and uncertainty with full understanding of potential risks.
• Demonstrates Operational Excellence
  Defines, implements and manages to the highest standards of operational excellence required for service and product delivery; encourages and promotes a continuous improvement mindset for business processes and policies to drive operational success in terms of the security, availability and reliability.
• Expands knowledge
  Champions cross-functional and cross-divisional learning; ensures sharing of critical knowledge in the business to drive development of new solutions; keeps a breast of changes and developments in knowledge area; demonstrates ownership of own development and guides others in planning and growing their personal capabilities.
• Bus Understanding and Commercial Sense
  Promotes and applies business/management principles to improve commercial performance through a deep understanding of SWIFT, the competition and the market; champions changes that strengthen competitiveness and the value proposition.
• Builds and reinforces cust relationships
  Establishes, nurtures and develops relationships with critical customers or business partners; uses understanding of customer requirements and needs to drive the development of customer solutions; manages the potentially conflicting priorities of owners/customers while demonstrating and promoting the highest level of conduct and responsiveness in all relationships.
• Communicates effectively
  Communicates business strategies and approaches in challenging circumstances; adjusts communication style to optimise effectiveness in a multi-lingual environment; provides clarification of key corporate initiatives and messages; recognises and respects the points of view of others.

What We Offer

We put you in control of career

We give you a competitive package

We help you perform at your best

We help you make a difference

We give you the freedom to be yourself

We give you the freedom to be yourself. We are creating an environment of unique individuals – like you – with different perspectives on the financial industry and the world. A diverse and inclusive environment in which everyone’s voice counts and where you can reach your full potential.

If you believe you require a reasonable accommodation to participate in the job application or interview process, please contact us to request accommodation.

Don’t meet every single requirement? At Swift, we are dedicated to building a workplace where people can bring their full selves and ideas to the team, so if you are excited about this role, we encourage you to apply even if you do not meet every single qualification.