[Fiat] Principal Funds Product Specialist

About Us Established in 2018, Bybit is one of the world’s leading cryptocurrency exchanges and digital financial platforms, serving over 80 million users across more than 200 countries and regions. Powered by world-class technology and a user-first mindset, Bybit delivers a seamless ecosystem across trading, payments, wealth management, custody, institutional services, and Web3 — connecting users to the future of digital finance. Our core values define how we build. We listen, care and improve to create products and experiences that put users first. Backed by a global team of ambitious builders, problem-solvers, and innovators, we foster a high-performance and fast-moving environment where talent is empowered to drive real impact at the global scale. Supported by 24/7 multilingual customer service and a strong commitment to innovation, we are shaping the future of finance through technology, collaboration, and bold execution. Today, Bybit is recognized as one of the most trusted and transparent platforms in the digital asset industry, continuing to expand its global presence while building the infrastructure for the next generation of financial services. Responsibilities Own end-to-end design of fund flows including fiat deposits, withdrawals, refunds, channel settlement and clearing cycles, and fund mapping across internal ledger, channel statements, and clearing accounts Abstract complex, fragmented fund logic into standardised workflows, rule-based engines, and configurable reusable product capabilities Design and build the company-level reconciliation product system covering internal vs channel reconciliation, transaction/fund/balance reconciliation, state machines, exception detection and routing, and SLA management Drive continuous improvement in auto-reconciliation rates, reduction of manual intervention, and shorter settlement cycles; support monthly closing, audit requirements, and management-level fund reporting Work closely with Engineering, Finance, Risk, and Compliance to drive design and evolution of fund-related systems, balancing compliance, risk control, efficiency, and scalability Lead automation initiatives — process automation, rule engine standardisation, and systematic reduction of manual operations — with scalable operations as the core objective Requirements Bachelor's degree or above in Finance, Accounting, Economics, Computer Science, or related field 5+ years of product management experience, with at least 3 years in funds, payments, settlement, clearing, reconciliation, or fintech/financial infrastructure Solid system-level understanding of fund flows, settlement logic, reconciliation mechanisms, and fund lifecycle management Ability to independently conduct complex requirement analysis, design system solutions, and drive cross-functional execution Proficient in SQL for data analysis; strong data-driven decision-making capability Strong abstraction skills — able to convert people-driven operations into system + rules + automation Nice to Have Background in crypto exchanges, payment institutions, or clearing/settlement platforms Experience building reconciliation systems, settlement systems, or funds/finance middle platforms from 0 to 1 or leading major refactors Familiarity with audit, internal control, and fund compliance frameworks Why Join Us At Bybit, we are committed to fostering a supportive and enriching work environment. Our benefits include: - Study Growth Fund: We support your professional development and continuous learning. - Internal Events: Participate in regular team-building activities, workshops, and events designed to promote collaboration and innovation. - Global Collaboration: Be part of a diverse, international team, working alongside colleagues from around the world. - Career Advancement: Access opportunities for growth and advancement within a rapidly expanding global company. - Internal Mobility: Grow with us- Your long-term development is important to us. We offer internal…