payabl.

Product Manager

• Own and evolve the Core Banking roadmap (3, 6, and 12-month horizons)
• Define product direction aligned with the company North Star (30% growth in active clients)
• Scale the core banking platform to support significant transaction growth (stress-testing, scalability mindset, cost control)
• Identify technical bottlenecks and reduce product and architectural debt
• Work closely with Engineering to understand services, integrations, and system architecture
• Translate business opportunities (including Banking-as-a-Service expansion) into structured product initiatives
• Drive discovery, product documentation (PRDs), and architectural alignment
• Ensure sustainable, scalable solutions that generate revenue
• Be accountable for squad outcomes and product performance
• Collaborate closely with Delivery Manager and Engineering Lead to ensure roadmap execution
• Align stakeholders on priorities and trade-offs
• Organize monthly product reviews to communicate direction, insights, and decisions
• Evaluate third-party integrations and partnerships when needed
• Support expansion of API-based Banking-as-a-Service capabilities

Product Manager – Core Banking

Product Designer

• Design engaging, high-performing web pages that improve conversion rates and ensure a seamless and intuitive end-to-end user experience.
• Translate business goals and data insights into clear UX/UI solutions.
• Analyze existing website patterns, journeys, and funnels, proactively identifying UX/UI improvements.
• Conduct user research and usability testing to understand user needs and behaviors, and use insights to make informed design decisions.
• Create wireframes, user flows, prototypes, and high-fidelity designs in Figma.
• Maintain, evolve, and scale our design system strategically, consistently, and sustainably.
• Collaborate closely with engineers to ensure smooth design handoff and high-quality implementation.
• Build a components library in collaboration with engineers to achieve speed and flexibility in landing page creation.
• Work with SEO, Paid, Content, Graphic Designers, and other teams to ensure designs support growth and visibility.
• Contribute to A/B testing initiatives and iterate based on the results and user behavior.
• Ensure all designs comply with web accessibility standards to provide an inclusive experience for all users.
• Proactively suggest new ideas and improvements that elevate the overall user experience.

Web UX/UI Designer – Maternity Cover

Sales Development Rep

• Use LinkedIn, Apollo, other AI-driven tools and market research to identify high-growth businesses that need modern banking solutions.
• Execute a high volume of daily activity across multiple channels (Email, Phone, LinkedIn, Social) to build a robust pipeline.
• Conduct discovery calls to understand a prospect's current banking pain points and determine if payabl. is the right fit whilst aligning with our Customer Acceptance Policy.
• Maintain a clean CRM (HubSpot) and work closely with a Business Growth Manager (BGM) to ensure a seamless handoff of qualified leads.
• Act as a feedback loop for our Product, Marketing and Sales teams, sharing insights on what business owners actually want from a 2026 banking partner.

Sales Development Representative – Banking

Underwriter

• Facilitate merchant underwriting and onboarding assessments.
• Monitor merchant portfolios to flag or identify suspicious activity, reviewing transaction data to detect risk patterns, anomalies, and potential red flags.
• Conduct risk assessment, registration, and monitoring of third-party agents, ensuring compliance with Card Scheme regulations, internal policies, procedures, and APM requirements.
• Investigate any transactional patterns that deviate from expected activity and recommend appropriate risk mitigation controls.
• Handle queries and resolve risk-related issues with prospective and existing merchants.
• Ensure adherence to company, Card Scheme, and payment provider rules and policies.
• Generate reports and insights regarding merchant activity, supporting periodic and ad-hoc reviews and audits.
• Refine and enhance internal underwriting processes, playbooks, and documentation, contributing to continuous improvement and sharing best practices.
• Collaborate closely with Risk, Compliance, Operations and Sales teams to ensure alignment on risk appetite, decisions, and portfolio management.
• Handle complex or escalated underwriting cases, providing data-backed recommendations.
• Provide subject-matter expertise and guidance to junior underwriters or analysts.
• Contribute to tool and system improvements to optimize transaction monitoring and decision-making efficiency.
• Support training and knowledge-sharing initiatives within the Risk team to maintain and build a strong risk culture.

Underwriting Manager

Security Engineer

• Provide strategic and operational leadership for designing, implementing, and continuously improving the organization's information security framework within a regulated payment processing environment.
• Own the protection of payment data, infrastructure, applications, and integrations against cyber threats, while ensuring regulatory compliance, audit readiness, and operational resilience at scale.
• This role operates as a second-line embedded technical control function, combining governance, security architecture oversight, and operational assurance.
• Defining, maintaining, and executing the Information Security Strategy in alignment with PCI-DSS v4.x, PSD2/PSR, DORA, ISO/IEC 27001, and internal risk frameworks.
• Establishing and maintaining the Information Security Management System (ISMS), ensuring risk-based controls, audit-ready documentation, and integrity of evidence.
• Acting as the internal control owner for PCI-DSS and managing the end-to-end PCI compliance lifecycle, including scoping, control testing, evidence collection, and QSA engagement.
• Providing executive and board-level security reporting, including risk dashboards and escalation of material security risks.
• Overseeing security engineering domains including cardholder data environments, encryption and tokenization, HSMs, key management, APIs, and cloud security posture.
• Enforcing secure SDLC and Dev SecOps practices and overseeing vulnerability management, remediation SLAs, and security operations (SIEM/XDR).
• Leading incident response governance, digital forensics coordination, and regulatory notification activities.
• Managing third-party and outsourcing security risk, including due diligence, ongoing monitoring, and contractual security obligations.
• Overseeing data protection and cryptographic controls, ensuring secure data flows and privacy-by-design principles.
• Reducing residual cyber and technology risk while maintaining sustained regulatory and audit readiness.

Senior Information Security Officer

Backend Engineer

• Owning and leading the backend engineering function within the FinDB team.
• Ensure smooth, reliable, and consistent financial data across platforms.
• Build and scale backend systems enabling merchants to receive, process, and reconcile payments efficiently.
• Set technical direction, quality standards, and engineering culture for the team.
• Reduce reliance on single individuals and enable sustainable delivery.
• Partner closely with Head of Development, Delivery Manager, Product, Finance, and other stakeholders.
• Design, implement, and evolve scalable backend services using PHP and Laravel.
• Architect, optimize, and maintain complex MariaDB/MySQL schemas.
• Own backend technical decisions, balancing delivery of new features with technical debt management.
• Lead and participate in code reviews, setting a high bar for code quality.
• Mentor and guide engineers, supporting technical growth and best practices.
• Build, hire, and scale a self-driven engineering team.

Backend Engineering Lead – FinDB

Manager

• Work closely with Product Managers and key stakeholders to align priorities.
• Collaborate with team leads and engineering managers to plan work, monitor progress, and help increase team efficiency and velocity.
• Coordinate and prioritize work across multiple teams to meet delivery timelines.
• Maintain ownership of the domain roadmap and provide regular status updates.
• Manage dependencies, mitigate risks, and communicate progress to internal teams and stakeholders.
• Act as a product expert and technical point of contact when coordinating development initiatives with third-party providers and customers.
• Collaborate with other Delivery Managers on bigger domain initiatives.

Delivery Manager

Support Engineer

• Provide technical support for payments processing through multiple communication channels.
• Investigate and resolve complex payment issues, including transaction declines, API errors, and service interruptions.
• Act as an on-call support contact during assigned shifts, including weekends and incident-based night support.(Optional)
• Escalate production issues to internal IT teams and external providers, ensuring timely resolution and clear follow-up.
• Support daily technical requests from both external customers and internal teams.
• Perform payment and transaction status checks and communicate findings clearly to stakeholders.
• Create, configure, and maintain merchant accounts and related settings.
• Test merchant cases, integrations, and payment methods to ensure proper functionality.
• Provide general technical guidance and information on API services and payment processes.
• Investigate and clearly explain transaction decline reasons to clients and internal teams.

Technical Support Engineer

• Customer Due Diligence (CDD): Perform end-to-end CDD, reviewing prospect cases and conducting risk assessments to categorize and monitor customers accurately.
• Approval & Escalation: Approve low- and medium-risk merchants and escalate high-risk or complex cases to regional MLROs/AMLCOs with detailed analysis.
• Client Engagement: Serve as the main point of contact during client onboarding, building strong relationships, guiding clients through the process, and ensuring all regulatory requirements are met.
• Due Diligence & Risk Screening: Identify and verify client information, analyze operations, and gather necessary data to understand their business activities. Screen for PEP/Sanctions and other risk factors, escalating cases when needed.
• Collaboration & Reporting: Work closely with AMLCOs/MLROs on case analysis, prepare suspicious activity reports (SARs), and update CDD procedures to maintain alignment with company policies.
• Compliance & Documentation: Ensure data integrity and confidentiality while maintaining accurate customer files in line with KYC regulations.
• Stakeholder Interaction: Collaborate with various departments (Legal, AML, IT, Product, Risk, Sales) to ensure CDD process alignment and respond to RFIs from banking and third-party partners.
• Audit Support: Participate in audits and regulatory inspections, providing necessary documentation to demonstrate compliance.

Product Manager – Core Banking

Web UX/UI Designer – Maternity Cover

Web UX/UI Designer – Maternity Cover

Sales Development Representative – Banking

Underwriting Manager

Senior Information Security Officer

Backend Engineering Lead – FinDB

Delivery Manager

Technical Support Engineer

Client Due Diligence Manager