Senior Product Manager – Virtual Accounts

dLocal

Senior PM for Virtual Accounts product at dLocal, overseeing product strategy and execution. Collaborate with enterprise merchants and local banking infrastructure for scalable payment solutions.

Posted 6/15/2026full-timeBarcelona • 🇪🇸 SpainSeniorWebsite

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Hard Skills

product managementvirtual accountsbanking-as-a-serviceAPI documentationIPN/webhook flowsdata-driven decision makingautomationoperational efficiencystructured experimentssuccess metrics

Soft Skills

cross-functional leadershipstakeholder managementcommunicationproblem-solvingcollaborationadaptabilityanalytical thinkingcustomer focusnegotiationstrategic thinking

Tools & Technologies

reconciliation reportingdashboard visibilityfraud controlsmerchant NPSpayment conversion rateVA issuance APIsales toolsRFP response toolsautomation toolsmerchant platforms

Industry Keywords

emerging marketslocal payment railsB2BB2B2Centerprise clientsmerchant self-serviceactivation ratescompliance requirementsbanking partnershipsscalable product solutions

Tech Stack

Tools & technologies

Ruby on Rails

About the role

Key responsibilities & impact

Own the global roadmap for the Virtual Accounts product, prioritising features that reduce time-to-market per country, improve merchant self-service, and increase activation rates across dLocal's 40+ markets.
Partner with enterprise merchants (global fintechs, gig platforms, e-commerce, lending companies) to deeply understand their VA use cases — from subscription collection to payroll disbursement — and translate those into product requirements.
Lead cross-functional squads to deliver scalable, production-ready VA features with clear SLAs.
Define and improve the end-to-end merchant experience: VA issuance API, reconciliation reporting, webhook reliability, dashboard visibility, and fraud controls.
Work with Banking Partnerships and Regulatory teams to expand VA coverage to new markets, navigating local banking sponsors, compliance requirements, and technical constraints.
Establish and monitor key product metrics (VA issuance volume, payment conversion rate, reconciliation accuracy, merchant NPS) and use them to drive continuous improvement.
Identify and lead automation opportunities in VA lifecycle management — from provisioning to settlement — reducing manual operational load and error rates.
Collaborate with Sales and Solutions Engineering to position and pitch the VA product to prospective enterprise clients, supporting commercial deals and RFP responses.

Requirements

What you’ll need

5+ years of product management experience, with at least 2 years specifically building or scaling virtual account, banking-as-a-service, or account issuance products in a B2B or B2B2C context.
Deep understanding of local payment rails in emerging markets and how they interact with global merchant platforms.
Proven track record working with enterprise clients and translating complex, ambiguous B2B requirements into clear, scalable product solutions.
Strong technical fluency: comfortable reading API documentation, understanding IPN/webhook flows, and collaborating closely with engineering on architecture decisions without being a blocker.
Experience navigating multi-stakeholder environments — banking partners, compliance, engineering, commercial — and driving alignment across them.
Data-driven and AI mindset: you define success metrics before building, run structured experiments, and make decisions backed by evidence rather than instinct alone.
Automation-oriented: you proactively seek to reduce manual processes, improve operational efficiency, and leverage tooling to scale without proportional headcount growth.
Advanced English is mandatory.

Benefits

Comp & perks

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.
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!