(Senior) Product Manager - Counterparties & Payments (m/f/d)

ABOUT US

Pliant is a European fintech specializing in B2B payment solutions. Our modular, API‑first platform helps businesses streamline spending, improve cash flow, and integrate payments into their financial workflows. Designed for industries with complex payment needs, such as travel and fleet, Pliant enables greater efficiency, control, and profitability.

We serve two primary customer segments:

• Companies looking to optimize operational processes through intuitive apps and APIs, gaining control, automation, and financial flexibility through extended credit lines.
• Businesses such as financial software platforms, ERP providers, and banks that want to launch or enhance their credit card offerings using Pliant's embedded finance and white‑label solutions.

Founded in 2020 and headquartered in Berlin, Pliant supports over 4,000 businesses and more than 20 partners globally. As a licensed e‑money institution (EMI), we issue Visa‑powered credit cards in 11 currencies across more than 30 countries, helping companies streamline and simplify payments.

Learn more at

ABOUT THE ROLE

As (Senior) Product Manager – Counterparties & Payments, you will own the systems and experiences that define who our customers transact with and how payments are initiated on the Pliant platform. Your domain covers the counterparty model (such as vendors and customers), the merchant database, and the reconciliation of counterparties across different payment methods.

You will drive the development of our Payables and Receivables capabilities, including invoice ingestion, counterparty onboarding, and outbound/inbound payment initiation, primarily to support partners building AP/AR and financial workflows on top of Pliant.

You will lead a cross‑functional product team of frontend and backend engineers and a product designer. In addition, you will collaborate closely with other product teams as well as Sales, Partnerships, Payment Operations, Data, and Risk & Compliance to ensure alignment across customer needs, platform capabilities, and downstream accounting and payment integrations.

This role sits within the Payments group of Pliant's tech organization and reports to the Head of Product – Payments.

WHAT YOU'LL DO

• Own the roadmap and delivery of Pliant's counterparty and payment initiation domain
• Develop and evolve a unified counterparty model and maintain Pliant's merchant database
• Implement systems to reconcile card merchants, bank beneficiaries, and other payees into consistent vendor identities
• Build and improve Payables and Receivables features, including invoice ingestion, counterparty onboarding, and payment initiation
• Ensure reliable integration between payment initiation and downstream accounting integrations and external payment rails
• Collaborate with partners and platform customers to provide the primitives they need to build AP/AR experiences on Pliant
• Work closely with engineering teams on scalable data models, APIs, and backend systems
• Produce clear, actionable product requirements and drive execution with cross‑functional teams

WHAT YOU'LL BRING

• 5+ years of product management or relevant experience in fintech, payments, accounting systems, or financial infrastructure
• Strong understanding of AP/AR concepts, counterparties, and payment initiation flows
• Experience with entity models, reconciliation, or merchant/payee identity resolution
• Technical fluency and ability to work closely with backend engineering on complex systems
• Experience partnering with operations, compliance, and integrations teams in a regulated environment
• Structured problem‑solving ability and a pragmatic, execution‑focused mindset
• Fluent in English; additional languages are a plus

WHAT WE OFFER

• High‑impact role shaping how Pliant represents counterparties and enables payment initiation across markets
• Opportunity to build foundational capabilities used by leading financial software platforms and partners
• Close collaboration with top‑tier engineers and domain experts
• Flat hierarchies, fast decision‑making, and a highly international team
• Competitive compensation and equity package
• Flexible work setup (remote, hybrid, or in one of our European offices)
• Perks including a monthly mobility allowance, Wellhub membership, and a company card with a lunch/coffee budget

At Pliant, we believe diversity and inclusion are essential to building not only an innovative product but also an exceptional experience for both our customers and our team. This commitment begins with our hiring process‑we welcome individuals of all racial and ethnic backgrounds, religions, national origins, gender identities or expressions, sexual orientations, ages, marital statuses, and abilities. If you require accommodations or accessibility support during the interview process, please let us know in your application so we can make sure your experience is seamless.