Senior Financial Product Manager

Visa Sponsorship Available

We support employment-based immigration for qualified mid-to-senior candidates across functions, including H-1B transfer/sponsorship and, where appropriate, U.S. green card sponsorship. Immigration support is provided based on role fit, candidate qualifications, and business needs.

About the Company

Snaplii is one of Canada’s fastest-growing fintech platforms, transforming how people pay, save, and earn rewards. With over $100M in annual transaction volume and 200,000+ users across North America, we deliver unmatched utility and loyalty through a single seamless app. We’ve ranked as high as #5 on the Apple App Store during peak shopping seasons, and consistently remain in the Top 40, driven by a highly engaged, high-retention user base. Snaplii supports 500+ leading brands including Walmart, Amazon, and Esso, with a platform fully built and maintained in-house—engineered to scale and support a growing suite of financial products.

About the Role

We are looking for a Financial Product Manager who truly understands how money is stored, moved, and spent—and can translate that understanding into a compliant, scalable product system. In this role, you will own Snaplii’s next-generation wallet/balance products (Wallet 2.0) and core payments architecture across Canada and the United States. You will design the end-to-end user money flow—from funding to spending to retention—while optimizing payment costs and enabling future cross-border and stablecoin payment capabilities.

Responsibilities

1）Wallet / Balance Product Design (Canada & US)

• End-to-end user flows: top-up, spend, hold, transfer, withdrawal constraints
• Reward/interest/earnings experience: calculation rules, display logic, user transparency
• Clear product boundaries under Canadian & US regulatory frameworks
• Role definitions across stakeholders: Snaplii vs custodian/trust/issuer/payment partners
• Designing money movement logic that increases retention, improves success rate, and supports future expansion

2）Compliance-by-Design Product Development

• Partner closely with Legal, Compliance, and Banking/Custody providers to translate regulatory requirements into executable product logic, including:
• KYC/KYB and identity requirements
• Funds segregation / safeguarding principles
• Account type / balance restrictions and transaction limitations
• Monitoring, exceptions, and user-facing constraints designed for compliance-first scale

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3）North America Payments Architecture

• Build deep product-level understanding and participate in designing these payment rails and their user-facing integration:
• Pay-by-Bank / A2A / Real-time payments
• Card payments (Visa / Mastercard) including concepts such as 3DS, dispute & chargeback, liability shift, MCC, authorization behavior, and settlement constraints

4）Payment Cost Optimization & Unit Economics

• Work with Risk and Finance to optimize payment cost structure and protect margins:
• Improve blended payment costs and steer users toward lower-cost payment paths
• Reduce chargeback exposure through risk-aware product design
• Design incentives and UX mechanisms that balance conversion, cost, and experience
• Build frameworks and decision models to align product growth with sustainable unit economics

5）(Bonus) Cross-border & Future Payments Enablement

• Support Snaplii’s longer-term strategy around cross-border and stablecoin-powered payments:
• Understand how USDC/USDT can enable real-world consumer spending in North America
• Explore Snaplii’s potential role as the “last-mile consumer spending layer”
• You don’t need to be a crypto trader. But we do expect a practical understanding of where stablecoins create real value in payment flows.

Qualifications

• 5+ years of experience in fintech product, payments, or wallet/stored value products
• Hands-on experience building or operating wallet/payment products in Canada and/or the US
• Deep understanding of at least 2 of the following domains:
• Wallet / stored value / balance products

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• Bank-to-bank payments (A2A, RTP, EFT, ACH)
• Card payment networks (Visa/Mastercard) including disputes, risk, chargebacks
• Strong capability to work with and influence cross-functional partners: Legal, Compliance, Banking/Custody, PSPs
• Ability to simplify complex financial/regulatory requirements into clear product specs and scalable systems

Required Skills

• Experience partnering with custodian banks, trust accounts, issuers, PSPs
• Familiarity with MSB / PSP registration-related product design
• Proven track record launching compliant wallet/balance products from pilot to scale
• Practical understanding of cross-border payments / stablecoin rails / PayFi
• Experience building products 0→1 or scaling from compliance-constrained MVP to mass adoption

Pay range and compensation package

• Base salary: up to $180K
• Performance bonus: 20–25% of base
• Equity: $50K/year in RSUs or options
• Base location: San Jose, US (remote)
• Travel: Monthly travel to Toronto during the first three months.

Equal Opportunity Statement

Snaplii is committed to diversity and inclusivity in the workplace. We encourage applications from all qualified individuals and are dedicated to creating an inclusive environment for all employees.