Senior Product Manager (eMoney)

XTB is a fintech company focused on developing internal financial systems, including accounting and ledger products, with a team-oriented and knowledge-sharing environment.

• 5+ years experience in fintech, banking, or payments with ledger, balances, and reconciliation ownership.
• 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 skills with multiple technical and business teams.
• High independence and self-starter attitude.
• High level of ownership and responsibility for implemented products.

Nice to have:

• Core-ledger build or migration experience.
• Experience with client money segregation.
• Experience with reporting and audit-focused platforms.

• 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 cross-team 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.
• Build a development strategy for the accounting system through close cooperation between the team and the accounting area.
• Prioritize the implementation of functionalities.
• Find a compromise between usability and system performance.
• Analyze data quality and data availability time using dedicated dashboards.
• Analyze processes for automation and acceleration without compromising quality.
• Translate product visions into specific steps and tasks for the development team.
• Coordinate activities with internal stakeholders such as finance, risk, and trading departments to ensure timely product launch.
• Own internal systems and solutions that influence the effective and efficient work of business teams in the company.