Junior Product Manger

About Us:

ACE Money Transfer is a UK-based multinational company headquartered in Manchester, United Kingdom. ACE Money Transfer provides online remittance services to individuals in 28 countries across UK, Europe, Canada, and Australia, enabling them to send money across borders in over 100 countries.

Role Purpose:

The Junior Product Manager is responsible for supporting the build, scaling, and optimisation of EMI products by translating product strategy into sprint-level execution that improves unit economics. The role focuses on owning well-defined product areas and decisions that reduce operational cost, unlock revenue, and enable scalable distribution, while operating within regulatory and operational constraints. This is a hands-on ownership role designed to develop strong product decision-making skills rather than acting as a feature coordinator.

Product Strategy Foundations:

All product decisions are guided by four foundational pillars.

• Customer Centricity Focus on solving high-impact customer problems in core journeys such as onboarding, accounts, payments, and cards. Prioritise work that removes friction, improves activation and usage, and reduces customer confusion and support dependency.
   
• Database prioritisation and decisions on measurable signals, including funnel performance, failure rates, operational cost drivers, and revenue metrics. Success must be defined upfront and validated post-release.
   
• Innovation Apply innovation pragmatically through automation, simplification, and controlled experimentation. Innovation is expected to either reduce cost, mitigate risk, or unlock new monetisation or distribution opportunities.
   
• Distribution Design products to scale through partners, platforms, and reusable capabilities, and avoid bespoke or one-off solutions that do not compound adoption or revenue.

Key Responsibilities:

Strategy to Sprint Prioritisation:

• Own defined EMI product areas under guidance, including accounts, cards, payments, onboarding, limits, pricing, and controls. Translate strategic pillars into sprint-level priorities with support from senior product leadership. Ensure every backlog item is clearly framed as cost-saving, revenue-generating, risk-reducing, or foundational with an explicit economic unlock. Actively challenge work that does not materially improve unit economics.
   
• Product Delivery and Execution Write clear PRDs, user stories, acceptance criteria, and functional specifications. Partner with engineering to plan, prioritise, and deliver roadmap items. Support UAT, release readiness, and post-launch validation. Ensure compliance, operational, and technical constraints are addressed early. EMI and Payments.
   
• Ownership Work across EMI accounts and wallets, card issuance, controls, and lifecycle, inbound and outbound payment flows, and fees, limits, and pricing logic. Build a working understanding of safeguarding, settlement, reconciliation, and ledgering. Collaborate closely with compliance on KYC, KYB, AML triggers, and control design.
   
• Commercial and Cost Awareness understand key cost drivers across processing, vendors, operations, and support. Identify opportunities to reduce manual effort, failure rates, and exceptions. Support revenue growth through improved conversion, usage, and monetisation. Work with Finance to validate assumptions and track impact.
   
• Stakeholder and Partner Collaboration Act as a product point of contact for engineering, compliance, operations, finance, and commercial teams. Support integrations with sponsor banks, processors, and third-party vendors. Assist in partner requirement gathering and API-level discussions. Contribute to clear ownership boundaries and RACI models.
   
• Sprint Prioritisation Principles Sprint decisions are driven by low-effort, high-impact cost reductions, low-effort, high-confidence revenue uplift, medium-effort initiatives with strong data-backed upside, and foundational work only where it clearly unlocks future cost savings or revenue. Innovation without a clear economic path does not enter a sprint.

          ACE Money Transfer Profile: https://acemoneytransfer.com/company-profile