Senior Product Manager (eMoney)

XTB is a global company from the financial industry, focusing on online trading of financial instruments. We are the largest FinTech in Poland and a leader in Central and Eastern Europe, and the range of our operations covers several countries, including Asia and South America. At XTB, we focus on the development of our employees, giving them opportunities to gain knowledge and skills in various fields, as well as offering a number of training and development programs. If you are looking for challenges and want to gain valuable experience in an international business environment, XTB is the right place for you. We are a certified Great Place to Work company.

Who is the Product Manager at XTB?

• You are responsible for the shape of the product: the vision for the future and the selection of KPIs that correspond to the KPIs of the area and the company.

• Key Responsibilities: Building a development strategy for the accounting system through close cooperation between the team and the accounting area; prioritizing the implementation of functionalities; finding a compromise between usability and system performance; analyzing data quality and data availability time using dedicated dashboards.

• The accuracy of data and processes is the most important thing for you - you look at processes, analyze how they can be automated and accelerated without compromising their quality.

• You are responsible for operationalizing the product vision: you translate visions into specific steps and tasks for the development team.

• You are responsible for cooperation with internal stakeholders such as the finance department (accounting, tax), risk department, and trading: you coordinate activities so that the product can be launched on time.

• You are the owner of internal systems and solutions that influence the effective and efficient work of business teams in the company.

Responsibilities

• Own the Ledger domain at XTB: set product vision, strategy, and roadmap spanning today’s internal Cash Manager service and the target state core ledger.

• Lead end-to-end product delivery for the ledger (stability, scalability, auditability, SLAs), balancing regulatory, operational, and customer impact priorities.

• Drive crossteam integration: define APIs/events/contracts, onboarding standards, and delivery plans with Payments, Trading, Back Office, Risk, Compliance, Finance, Data, and Customer Operations.

• Define and deliver a double entry core ledger capable of end-to-end accounting for XTB financial services, including client money segregation, internal accounts, and full traceability.

• Ensure money movement correctness for deposits/withdrawals: posting rules, fees, FX, reversals/chargebacks, cutoffs, idempotency, and reconciliation across payment providers and banks.

• Support data quality and reconciliation outcomes: daily balances, break management, settlement workflows, and alignment between ledger, bank statements, and downstream finance/BI systems.

• Define migration and rollout approach to core ledger (incremental adoption, backfills, parallel runs), with measurable KPIs for accuracy, latency, and incident reduction

Requirements

• Mandatory: 5+ years experience in fintech/banking/payments with ledger/balances/reconciliation ownership and strong knowledge of double-entry ledger and money movement (deposits/withdrawals, reversals). 

• Proven ability to handle roadmap dependencies, and cross-functional leadership in fintech.

• Excellent communication with multiple technical and business teams and coordinating work between them.

• High independence, self-starter attitude.

• High level of ownership and responsibility for the implemented products.

Nice-to-have:

• core-ledger build/migration experience, client money segregation, and reporting/audit-focused platforms.

What we offer

• Work in an experienced team that is happy to share its knowledge,

• A clear vision of development thanks to regular feedback and clear career paths,

• A training budget for courses and conferences that interest you,

• Regular team-building meetings.

Benefits

• An extra day off on your birthday,

• An extra day off for parents,

• Equipment tailored to your needs,

• Private medical care and group insurance,

• Access to an e-learning platform for learning English and a benefits platform,

• Access to a wellbeing platform and the opportunity to take advantage of workshops and private therapy sessions,

• Remote work, from the office in Warsaw or from a coworking space in your city.