Brazil Payment Product Manager

Company Overview

If you see technology as a way to smooth your path in life, our team does too: Your Path, Our Journey.

We believe in technology that connects talented people who embrace diversity to create and share paths we don't even know about (yet!). We work to generate value not only for our users but, above all, for the communities we serve and for society as a whole, making every day better for everyone with mobility and delivery services (99) or digital payments (99Pay).

To make life easier for millions of people every day, since 2018, we have been part of DiDi DiDi Global Inc., the world’s leading mobility technology platform. We are pioneers in creating innovative solutions that start in Brazil and scale up to make a positive impact in more than 12 countries where DiDi operates. This innovation encompasses sustainability, safety, artificial intelligence, financial markets, and much more.

Whether building projects from scratch or improving our solutions, we enjoy challenges that give us butterflies, which is why we work at a fast pace with respect, collaboration, and good humor. Along this journey, we also draw strength from diverse experiences and opinions to grow together, fail quickly, learn, and adjust the course to create solutions that deliver even better results.

Team Overview

We are building out the Payments Product team for our Brazil business and are looking for a senior Product Manager to own, end-to-end, the payment experience, wallet product, and deep integration with Brazil's local financial infrastructure (Open Finance and Pix). You will partner closely with Engineering, Design, Risk, Compliance, Finance & Settlement, Local Ops, and Regulatory Affairs to ship compliant, scalable products in a highly regulated market. This is a core role in our Brazil payments strategy.

Role Responsibilities

• Contributing to the end-to-end payment experience — checkout, payment method orchestration (card / Pix / boleto / wallet), authentication, 3DS, retries and fallback — and helping improve key metrics such as payment success rate, conversion and decline rate.
• Supporting iterations on the wallet product and various payment scenarios；
• Participating in the planning and delivery of Pix-related products and feeding insights into product decisions.
• Collaborating on Open Finance capabilities, from data sharing to payment initiation (ITP / AISP), and contributing to innovations such as account aggregation, smart debit, credit assessment and personalized growth use cases.
• Working with Finance, Settlement and Compliance to keep money flow, information flow and accounting flow consistent, and to support wallet fund safety, refunds and dispute handling (chargeback / MED).

Role Qualifications

• 3+ years of product experience in payments / wallet / fintech, with a good understanding of the Brazil or LatAm market; relevant project experience is a plus.
• A solid grasp of payment experience fundamentals
• Exposure to wallet / account products (Stored Value / e-money / Conta de Pagamento), with awareness of BACEN's framework for Instituição de Pagamento (IP) and Conta de Pagamento Pré-paga, as well as AML/CFT, tiered KYC and transaction monitoring.
• Familiarity with the Pix ecosystem ; experience contributing to Pix integration or related products is a plus.
• Understanding of Open Finance Brasil phases, API standards,Participantes, consent flows, and ITP / AISP roles; experience participating in payment initiation or account aggregation projects is a plus.
• Background at Brazilian fintechs, banks, acquirers or large internet platforms (e.g., Mercado Pago, Nubank, PicPay, PagBank, Stone, Cielo, Rede, 99Pay) is preferred.
• Working proficiency in English; Portuguese  and Mandarin as a cross-team working language; 

EEO Statement

• We create customer value – We strive to always create valuable experiences for our users in everything we do. Our focus is to always innovate new experiences that are safe, pleasant, and efficient.
• We are data-driven – We are strong believers in making informed decisions, that’s why we are data-driven. We can better navigate the business landscape strategically by analyzing valuable metrics.
• We believe in Win-win Collaboration – Success is a team sport. When we work to help our partners and colleagues win, we win, too. While keeping everyone's best interest at heart, we communicate with candor and execute with excellence in all we do.
• We believe in integrity – Integrity is at the very core of our business. We are people who always want to do the right thing. Our intentions are sincere, we speak our minds and listen to each other.
• We always strive to do better. That means venturing beyond our comfort zones, learning from our mistakes, and helping each other grow.
• We believe in Diversity and Inclusion – Diversity is one of our biggest strengths. Our differences are what makes us distinct. We respect each other and believe in equal opportunities for all.

Diversity is not a future vision or a wish for something we want someday; it is a non-negotiable value of who we are today.

We embrace inclusion, plurality, and respect, and to achieve this, we rely on the governance of the Diversity Committee, which works alongside HR, our leadership, and identity groups—99Adapta, 99Afro, 99Colors, 99Womem, and 99Familys.

This is our ongoing journey, with much more still to come.