dLocal

Senior Product Manager – Balance

dLocal

full-time

Posted on:

Location Type: Hybrid

Location: Barcelona • Spain

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Job Level

Senior

About the role

  • Own the balance strategy end-to-end: define how merchant funds are tracked, held, and made available across currencies, countries, and settlement windows.
  • Build and launch the overdraft product: design the pricing framework (daily negative balance fees, credit lines, availability charges), set guardrails in coordination with Treasury, Risk, and Revenue, and expose configuration to commercial teams via Fee Manager.
  • Define and implement multi-balance capabilities: allow merchants to hold and operate independent balances per currency (e.g., USD + LCY).
  • Own post-transactional flows including split payments: define how funds are allocated at the balance layer after settlement.
  • Drive balance reconciliation and operational accuracy: work with Finance and Engineering to ensure the balance engine reconciles daily.
  • Lead cross-functional squads, Engineering, Treasury, Finance, Risk, Revenue, and Compliance.
  • Write tight specs and work directly with Engineering on architecture decisions.
  • Define success metrics, measure outcomes, and iterate.

Requirements

  • 5+ years in product management, owning the full lifecycle, discovery through delivery and optimization.
  • Fintech background: you've worked on payments infrastructure, ledger systems, settlement, treasury, or credit products. You know what a balance engine actually does.
  • Technical fluency: you've worked hands-on with REST APIs, read system design docs, and can make architecture trade-offs without engineering holding your hand.
  • You set your own priorities, unblock dependencies, and push projects forward, especially in a complex, multi-team environment.
  • You move, decide, and ship. The balance system has real merchants waiting on real features.
  • You bring structure to messy, multi-team initiatives and keep them moving. Treasury, Risk, Finance, Engineering, Revenue, you coordinate all of them.
  • Comfortable and motivated as an IC today, with real leadership potential for tomorrow.
  • EU citizen; This is a hard requirement. no exceptions.
Benefits
  • Flexibility: we have flexible schedules and we are driven by performance.
  • Fintech industry: work in a dynamic and ever-evolving environment, with plenty to build and boost your creativity.
  • Referral bonus program: our internal talents are the best recruiters - refer someone ideal for a role and get rewarded.
  • Learning & development: get access to a Premium Coursera subscription.
  • Language classes: we provide free English, Spanish, or Portuguese classes.
  • Social budget: you'll get a monthly budget to chill out with your team (in person or remotely) and deepen your connections!
  • dLocal Houses: want to rent a house to spend one week anywhere in the world coworking with your team? We’ve got your back!
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
product managementpayments infrastructureledger systemssettlementtreasurycredit productsREST APIsarchitecture trade-offsbalance reconciliationsuccess metrics
Soft Skills
prioritizationdependency managementproject managementcross-functional leadershipcommunicationproblem-solvinginitiativeadaptabilitystructuring initiativesmotivation