Investment Product Lead

About the Role / About the Job
This role involves defining and executing the overall investment products strategy for the company Pay to align with the company's broader growth objectives. The Manager – Investment Products will develop a multi-year roadmap for various investment products, including traditional, digital, and tokenized options. The position requires a focus on simplifying complex investment products for mass-market customers while evaluating opportunities based on customer value and regulatory feasibility.

Key Accountabilities

• Investment Product Strategy

  • Define the company Pay's overall investment products strategy and vision in alignment with the company's broader growth strategy.
  • Develop a clear multi-year investment products roadmap covering traditional, digital, and tokenized investment products.
  • Identify the priority customer segments, investment needs, and use cases for the company Pay.
  • Develop clear product propositions that make traditionally complex investment products simple and accessible to mass-market customers.
  • Evaluate opportunities based on customer value, commercial potential, strategic fit, regulatory feasibility, and speed to market.
  • Continuously monitor global and regional trends in wealthtech, fintech, brokerage, digital assets, tokenization, and embedded investment.

• Product Roadmap and Portfolio Management

  • Own and maintain the end-to-end Investment Products Roadmap.
    • Prioritize initiatives based on strategic value, revenue potential, customer demand, complexity, regulatory requirements, and delivery timelines.
    • Develop the business case for each new product or investment proposition.
    • Define product economics, revenue models, pricing, and commercial KPIs.
    • Establish a clear build, buy, or partner strategy for each investment product.
    • Maintain a pipeline of future products and opportunities.
  • The initial roadmap is expected to include products such as:
    • Digital Gold and Digital Silver
    • Digital precious metals
    • Savings products
    • Fixed-income and bond products
    • Fractional equities
    • ETFs and investment funds
    • Tokenized assets and real-world assets
    • Digital assets and other innovative investment propositions

• Product Development and Delivery

  • Lead the full product lifecycle from concept through launch and ongoing optimization.
  • Translate business, customer, and market requirements into clear product requirements and specifications.
  • Prepare product requirements documents, user journeys, user stories, and acceptance criteria.
  • Work closely with Technology, Engineering, and UX teams to deliver intuitive and scalable customer experiences.
  • Manage the investment products backlog and prioritize development activities.
  • Define Minimum Viable Products and ensure an effective balance between speed to market, customer experience, commercial objectives, and operational requirements.
  • Coordinate end-to-end testing, including functional testing, partner integration testing, and customer acceptance testing.
  • Ensure products are operationally ready before launch.
  • Lead product launches and post-launch optimization.

• Strategic Partnerships and Ecosystem Development

  • Build an investment ecosystem through strategic partnerships.
  • Identify and evaluate potential partners, including:
    • Asset managers
    • Banks and financial institutions
    • Brokerage and trading platforms
    • Precious metals providers
    • Custodians
    • Investment technology providers
    • Digital asset platforms
    • Tokenization platforms
    • Licensed investment and financial institutions
  • Lead product and commercial discussions with external partners.
  • Support the negotiation of commercial models, product structures, and customer propositions.
  • Evaluate partner technology and API capabilities.
  • Develop clear criteria for partner selection.
  • Coordinate the integration of external investment products into the company Pay ecosystem.
  • Monitor partner performance, service levels, product economics, and customer outcomes.
  • The successful candidate must be comfortable working with external partners and capable of translating complex partner capabilities into simple and compelling company Pay customer experiences.

• Regulatory, Risk, and Compliance Coordination

  • Work closely with Legal, Compliance, Risk, and external regulated partners to ensure that all investment products are designed and launched within the applicable regulatory framework.
  • Ensure regulatory requirements are incorporated into product design from the earliest stages of development.
  • Understand and manage key product requirements relating to:
    • Customer suitability and appropriateness
    • Investor disclosures
    • Customer onboarding
    • KYC and AML
    • Risk disclosures
    • Product governance
    • Custody
    • Safeguarding of customer assets
    • Market conduct
    • Customer communications
  • Coordinate product approvals and governance processes internally and with external partners.
  • The role is not expected to replace Compliance or Legal functions, but the successful candidate must have sufficient regulatory and financial-services knowledge to design products that are commercially attractive and operationally and regulatorily viable.

• Customer Experience and Product Design

  • Develop simple, intuitive, and highly digital investment journeys.
  • Remove unnecessary complexity from traditionally complex investment products.
  • Define the end-to-end customer journey from discovery through onboarding, investment, portfolio monitoring, and redemption.
  • Work closely with UX and Design teams to create a best-in-class mobile experience.
  • Use customer research, behavioral data, and feedback to continuously improve the product proposition.
  • Ensure appropriate customer education and product transparency.
  • A key objective will be to make investment accessible to customers who may be first-time or inexperienced investors, without compromising transparency or responsible product design.

• Commercial Performance

  • Define and manage product KPIs and OKRs.
  • Monitor performance across:
    • Customer acquisition
    • Product adoption
    • Assets under management
    • Investment volumes
    • Revenue
    • Conversion
    • Customer retention
    • Customer engagement
    • Average investment value
    • Partner economics
  • Identify opportunities to improve unit economics and profitability.
  • Develop cross-sell and engagement opportunities across the company Pay ecosystem.
  • Regularly present product performance, risks, priorities, and recommendations to senior management.

Qualifications, Experience, and Skills

• Bachelor's degree in Finance, Business, Economics, Technology, Engineering, or a related discipline.
• MBA, CFA, CAIA, or relevant professional qualifications would be advantageous but are not mandatory.
• 5–8+ years of experience in product management, fintech, wealthtech, investment platforms, brokerage, asset management, or digital financial services.
• Proven experience owning a financial product from concept to launch.
• Experience developing investment, savings, wealth, trading, or digital asset products.
• Strong understanding of one or more of the following:
  • Equities
  • ETFs
  • Investment funds
  • Fixed income
  • Savings products
  • Precious metals
  • Digital assets
  • Tokenized assets
• Experience working with financial institutions, asset managers, brokers, custodians, or fintech infrastructure providers.
• Experience managing external technology and financial-services partnerships.
• Experience working in a regulated financial-services environment.

Key Competencies

• Product Leadership
  • Ability to develop a compelling product vision.
  • Strong roadmap and prioritization skills.
  • Ability to move from strategy to execution.
• Commercial Acumen
  • Ability to build product business cases.
  • Understanding of product economics and revenue models.
  • Strong understanding of partnership economics.
• Investment Knowledge
  • Solid understanding of investment products and financial markets.
  • Ability to understand how financial products are structured, distributed, and serviced.
• Partnership Management
  • Strong ability to engage with asset managers, financial institutions, and fintech partners.
  • Commercial negotiation and stakeholder management capabilities.
• Technology and Integration
  • Understanding of APIs and digital financial-services integrations.
  • Ability to work effectively with engineering and technology teams.
• Execution
  • Strong program and delivery management skills.
  • Ability to operate effectively in a fast-paced environment.
  • Comfortable managing ambiguity and changing priorities.
• Communication
  • Excellent written and verbal communication skills.
  • Ability to present complex investment products in a simple and compelling way.
  • Ability to communicate effectively with senior executives and external partners.