Who we are

We are building the future of banking in Africa.

Today, less than 30% of African consumers have access to adequate banking services. While mobile money has emerged as the primary means of consumer finance due to its superior accessibility and lower costs, it does not offer the financial services that create wealth and financing opportunities, which are essential pillars of long-term financial stability.

In November 2020, we launched a revolutionary financial app, offering a full range of services encompassing payments, transfers, as well as savings and investments. To date, more than one million Djamo users across Ivory Coast and Senegal have had access to radically cheaper and better financial services.

We are proud to have secured the backing of world-class investors, including Y Combinator, Partech, Janngo Capital, Enza Capital, and Oikocredit, underlining our potential and commitment to reshape the financial services landscape in Africa.

Role Overview

We are looking for a Senior Product Manager – Payments to lead our payments roadmap end-to-end. In the context of the “Paiements Instantanés” (instant payments) launch in the WAEMU region, this role is critical in shaping the infrastructure, user experience, and partner ecosystem that power our payment flows. You’ll work at the intersection of technology, compliance, operations, ensuring our payments platform is fast, reliable, compliant, and innovative.

You will own core money-movement experiences such as domestic and cross-border transfers, direct debits, subscription, bill payments, card payments and instant payments.

You’ll be reporting to the Head of Product, and work closely with the Head of Payment.

What You’ll Do

Strategy & Roadmap

• Define and own the payments product vision and strategy, aligned with the company’s growth objectives
• Build a 3–12 month roadmap balancing user needs, business objectives, compliance, and operational efficiency
• Identify emerging opportunities in real-time payments, subscriptions, partnerships, network integrations (Visa) and other rails
• Drive Djamo payment service expansion to new countries across Western Africa

Execution & Delivery

• Translate strategy into clear product requirements, PRDs, and user stories
• Partner closely with Engineering, Design, Legal, Payments, Risk and Operations teams to deliver high-quality features on time
• Prioritize ruthlessly using data-driven decision-making, ensuring we solve the most impactful problems first
• Ensure regulatory and scheme compliance in all payment flows

Customer Focus & Growth

• Leverage user and market research to deeply understand consumer needs
• Drive conversion, reliability, and speed improvements in payment experiences
• Collaborate with Marketing and Data teams to test and scale new payment features

Operational Excellence

• Monitor KPIs such as payment success rates, processing times, cost per transaction, fraud and dispute rates
• Work with Payments, Operations and Finance teams to optimize payment costs and partner performance
• Lead incident reviews and implement continuous improvements to enhance a culture of zero defect across your team
  

What We’re Looking For

• 5–8+ years of Product Management experience and 3+ years in Payments / FinTech / Banking / Mobile Money
• Deep understanding of payment rails, card acquiring/issuing, real-time payments, FX, cross-border flows, and risk/compliance considerations
• Proven experience launching and scaling payment products at a fintech, neobank, or payment processor
• Experience working in highly regulated financial environments and collaborating with Legal & Compliance

• Exceptional communication and stakeholder management skills—able to influence across engineering, ops, compliance, and executive leadership
• Familiar with the agile methodology, prior experience leading a squad of engineers
• Capable of getting your hands dirty, cut corners and ready to lift any blocker on the way of delivering value to the users and business growth
• Strong analytical mindset; comfortable with SQL and A/B testing
• Fluent in English; professional proficiency in French is a strong plus.

Nice to Have

• Experience integrating with card schemes (Visa, Mastercard) or payment networks
• Technical background or hands-on experience with APIs and payment gateways.
• Experience with generative AI platforms and LLMs to support product prototyping, software development and productivity enhancements at all stages of development
• Prior experience in Western Africa or other emerging markets.

What We Offer

• Competitive salary & equity package
• Opportunity to define the future of payments for millions of customers
• A fast-paced, high-impact environment with world-class colleagues
• Flexible working environment and remote-first culture
• Professional development budget and mentorship opportunities
• A role with room to evolve into senior leadership as the company grows

Why Join Djamo

Payments are the backbone of everything we do—from a customer’s first top-up to international transfers. As a Senior Product Manager for Payments, you’ll be at the center of driving financial inclusion and seamless money movement, shaping how people experience banking on a daily basis.

You will also enjoy

• Working in an ethical, collaborative and stimulating environment that enhances a strong team spirit
• Having a positive impact on millions of people by offering simple and fair banking services being at the forefront of international expansion in Western Africa
• Developing your skills and learning how to balance autonomy and collaboration, insight and intuition

We will consider all applications on the same basis. Djamo is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. You don't tick all the boxes, and you don't think you have the unique skills we don't realise we need. Apply anyway; we're always looking to recruit great people at all levels.