dLocal is a leading cross-border payment processor specializing in emerging markets across Latin America, Asia, and Africa. The company provides a single API platform that enables global enterprise merchants to accept and send payments using local methods, serving major tech giants like Amazon, Microsoft, and Google. As a publicly traded company on NASDAQ, dLocal operates at a massive scale, facilitating complex financial transactions in high-growth regions. In Spain, dLocal maintains a strategic hub in Madrid that serves as a key center for its European and global operations. The company is highly relevant for international professionals due to its multicultural workforce and English-centric business environment. Their Madrid office offers a dynamic fintech atmosphere where employees work on global-scale infrastructure, making it an ideal destination for expats looking to build a career in international finance and technology.

Founded in 2016 in Montevideo, Uruguay, dLocal was created to solve the complexity of payments in emerging markets. It became Uruguay's first unicorn in 2020 and successfully launched its IPO on NASDAQ in 2021.

Senior Product Manager — Balance

dLocal

Requisitos

What skills do I need?

PM depth. 5+ years in product management, owning the full lifecycle, discovery through delivery and optimization.

Domain expertise. Fintech background: you've worked on payments infrastructure, ledger systems, settlement, treasury, or credit products. You know what a balance engine actually does.

Technical fluency. Technical fluency: you've worked hands-on with REST APIs, read system design docs, and can make architecture trade-offs without engineering holding your hand.

Autonomous by default. You set your own priorities, unblock dependencies, and push projects forward, especially in a complex, multi-team environment.

Bias for action. You move, decide, and ship. The balance system has real merchants waiting on real features.

Cross-functional ownership. You bring structure to messy, multi-team initiatives and keep them moving. Treasury, Risk, Finance, Engineering, Revenue, you coordinate all of them.

IC mindset. Comfortable and motivated as an IC today, with real leadership potential for tomorrow.

Work permit. EU citizen; This is a hard requirement. no exceptions.

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Why should you join dLocal?

dLocal enables the biggest companies in the world to collect payments in 40 countries in emerging markets. Global brands rely on us to increase conversion rates and simplify payment expansion effortlessly. As both a payments processor and a merchant of record where we operate, we make it possible for our merchants to make inroads into the world's fastest-growing, emerging markets.

By joining us you will be a part of an amazing global team that makes it all happen. Being a part of dLocal means working with 1000+ teammates from 30+ different nationalities and developing an international career that impacts millions of people's daily lives. We are builders, we never run from a challenge, we are customer-centric, and if this sounds like you, we know you will thrive in our team.

What's the Opportunity?

Every payin and payout at dLocal runs through Balance. It's not a feature it's the core infrastructure that determines whether a merchant can process a transaction at all. The Balance squad owns the engine that sits behind every currency, every country, every settlement window, and every overdraft decision across the platform.

We are looking for a Senior Product Manager to own and evolve the Balance squad. Your mission: make dLocal's balance system the most reliable, flexible, and intelligent merchant money engine in emerging markets one that powers multi-currency balances, a structured overdraft product, and the post-transactional logic that drives split payments and complex settlement flows.

What will I be doing?

Balance architecture. Own the balance strategy end-to-end: define how merchant funds are tracked, held, and made available across currencies, countries, and settlement windows. This is foundational infrastructure, decisions here ripple through every product in the platform.

Overdraft product. Build and launch the overdraft product: design the pricing framework (daily negative balance fees, credit lines, availability charges), set guardrails in coordination with Treasury, Risk, and Revenue, and expose configuration to commercial teams via Fee Manager. Overdraft is already live informally, your job is to make it a real, scalable, monetizable product.

Multi-balance. Define and implement multi-balance capabilities: allow merchants to hold and operate independent balances per currency (e.g., USD + LCY), ensuring payouts, FX conversions, and withdrawals pull from the right bucket at the right moment, without manual accounting hacks.

Post-transactional flows. Own post-transactional flows including split payments: define how funds are allocated at the balance layer after settlement (BNPL flows, split models, PSP-to-merchant settlement). Coordinate with Platforms and Finance to ensure transactional balance accuracy matches real fund flows.

Reconciliation. Drive balance reconciliation and operational accuracy: work with Finance and Engineering to ensure the balance engine reconciles daily, surfaces discrepancies early, and reduces manual interventions.

Cross-functional ownership. Lead cross-functional squads, Engineering, Treasury, Finance, Risk, Revenue, and Compliance, to deliver. Bring structure to multi-team dependencies and keep things moving without formal authority.

Product specs & technical depth. Write tight specs and work directly with Engineering on architecture decisions. The balance layer is complex and tightly coupled, you need to understand the system well enough to make confident calls.

Measure what matters. Define success metrics, measure outcomes, and iterate. Ship fast, learn fast.

What do we offer?

Besides the tailored benefits we have for each country, dLocal will help you thrive and go that extra mile by offering you:

- Flexibility: we have flexible schedules and we are driven by performance.

- Fintech industry: work in a dynamic and ever-evolving environment, with plenty to build and boost your creativity.

- Referral bonus program: our internal talents are the best recruiters - refer someone ideal for a role and get rewarded.

- Learning & development: get access to a Premium Coursera subscription.

- Language classes: we provide free English, Spanish, or Portuguese classes.

- Social budget: you'll get a monthly budget to chill out with your team (in person or remotely) and deepen your connections!

- dLocal Houses: want to rent a house to spend one week anywhere in the world coworking with your team? We've got your back!

Flexibility in how you work: We focus on impact and productivity over fixed hours. This means our teams have flexible schedules and, depending on your role and location, you will combine self‑managed focus time with moments of in‑person connection in our collaboration hubs.

What happens after you apply?

Our Talent Acquisition team is invested in creating the best candidate experience possible, so don't worry, you will definitely hear from us. We will review your CV and keep you posted by email at every step of the process!

Also, you can check out our webpage, Linkedin and Youtube for more about dLocal!