AI Product Shipper - Payments

About the role

The AI Product Builder — Payments role at Nymbus is responsible for helping define and build the next generation of payment capabilities. This includes support for multiple payment rails, networks, message standards, settlement models, and integration patterns. The role involves transforming complex payment-domain problems into working, production-ready software, designing system behavior, authoring implementation-ready specifications, shaping APIs and data models, prototyping solutions, and participating directly in implementation.

Responsibilities

• Help define and execute the product vision for modern, extensible payment capabilities supporting multiple payment rails.
• Translate payment strategies, client needs, network rules, operational realities, and regulatory constraints into buildable platform capabilities.
• Design payment flows spanning initiation, validation, enrichment, authorization, routing, clearing, settlement, posting, notification, reconciliation, returns, reversals, disputes, and investigations.
• Define common payment concepts and patterns while preserving the scheme-specific behavior required by individual payment networks.
• Develop a cohesive vision for how payment capabilities should work together rather than treating each rail as an isolated integration.
• Design and build capabilities for payment initiation, routing, orchestration, message validation, enrichment, transformation, and delivery.
• Define behavior for synchronous and asynchronous payment flows, including long-running and indeterminate transaction states.
• Design controls for idempotency, duplicate detection, sequencing, retries, timeouts, reversals, compensating actions, and replay.
• Build APIs and event-driven interactions that expose clear, predictable payment behavior to internal and external consumers.
• Ensure payment status and transaction history remain explainable and traceable across services, integrations, and payment rails.
• Design operational tooling that enables support and payment-operations teams to inspect, understand, repair, and resolve transactions safely.
• Apply deep expertise across payment networks, standards, and integration patterns, including ISO 8583, ISO 20022, ACH, domestic and international wires, Real-Time Payments, FedNow, Card and payment-network flows, etc.
• Partner with banking, treasury, finance, risk, and operations stakeholders to translate liquidity and settlement requirements into automated platform behavior.
• Provide transparency into current and projected payment positions, queued transactions, settlement obligations, and operational exposure.
• Own end-to-end product design from problem definition through system behavior, implementation, and production validation.
• Create clear, testable, implementation-ready specifications using AI-assisted, spec-driven workflows.
• Create API contracts, event definitions, message maps, state-transition models, sequence diagrams, data models, validation rules, error models, and operational scenarios.
• Define requirements with enough technical and domain precision that they can be implemented and tested without losing critical payment behavior.
• Prototype and validate solutions before committing to full implementation.
• Use AI-assisted development tools, including Kiro and Claude, as primary components of the product-development workflow.
• Participate directly in implementation depending on your background, which may include writing production code, modifying services, creating prototypes, reviewing pull requests, inspecting logs and traces, or working alongside engineers at the code level.
• Design payment capabilities for correctness, availability, auditability, security, scalability, and operational resilience.
• Build or help build automated tests for payment state transitions, message transformations, network responses, failure conditions, and exception scenarios.
• Ensure sufficient logging, tracing, metrics, alerting, and transaction-level observability are designed into every capability.
• Participate in diagnosing production issues through transaction traces, payment messages, events, and other diagnostic tools.

Requirements

Hands-on software development experience is strongly preferred. We will also consider an exceptionally technical payments expert who has demonstrated the ability to design buildable software systems, reason at the code and data-model level, and work directly with engineers through implementation. The ideal candidate may have previously operated as a principal engineer, payments architect, payment-platform builder, technical product leader, or deeply technical payments operator. Regardless of title, you have personally helped build or substantially shaped sophisticated payment infrastructure.

Qualifications

You understand how money moves—not only at the feature or requirements level, but at the system, message, transaction, settlement, and operational levels. You should be able to trace a payment from initiation through validation, routing, clearing, settlement, posting, reconciliation, and exception handling. You understand that the difficult parts of payments live in timeouts, duplicate messages, reversals, returns, cutoffs, partial failures, unavailable endpoints, liquidity constraints, and ambiguous transaction states.

Skills

You must understand how money moves—not only at the feature or requirements level, but at the system, message, transaction, settlement, and operational levels. You should be able to trace a payment from initiation through validation, routing, clearing, settlement, posting, reconciliation, returns, reversals, disputes, and investigations.

Benefits

Nymbus offers a competitive compensation package, including a comprehensive benefits program that includes health insurance, retirement plans, paid time off, and more. As a remote-first company, we offer flexibility to work from anywhere in the world, with occasional travel required for team collaboration or client engagement.

Pay

We offer a market-competitive salary and bonus structure, with opportunities for equity participation based on performance.

Schedule

This is a full-time position with flexible working hours to accommodate remote work and personal commitments. Occasional travel may be required for team collaboration or client engagement.