职位描述 (JD)

【岗位职责】

1. 产品规划与设计：负责公司全球化稳定币支付底座中 On/Off-ramp（法币与加密货币双向兑换）、外汇 (FX) 交易产品 以及 全球流动性/LP 渠道接入 的核心产品线规划与全生命周期管理。
2. 兑换与外汇交易引擎设计：主导外汇与加密货币兑换交易系统的产品设计，支持市价单、限价单、多币种报价、点差管理、汇率对冲与滑点控制，满足全天候、高并发的兑换需求。
3. 自营头寸管理与风险轧差：针对自营（Principal）做市或承接兑换风险的场景，设计全方位的头寸管理系统（Position & Risk Management）。实现多币种、多账户、多LP的实时敞口监控、自动轧差、风险限额预警与对冲策略配置。
4. On/Off-ramp 与 LP 渠道接入：主导海内外主流流动性供应商 (LP)、做市商、银行间 FX 渠道及合规 On/Off-ramp 服务商的商务技术对接。设计标准化的 LP 接入网关，实现多通道智能路由、最优报价（Best Execution）选择与自动容灾切换。
5. 合规、清结算与业务赋能：协同风控与财务团队，在反洗钱 (AML)、资金隔离与跨境合规框架下，优化资金清结算流程，支撑跨境贸易、企业出海、薪酬代发等多元化场景的稳定运行。

【任职要求】

1. 教育背景：统招本科及以上学历，金融、计算机、数学、统计学等相关专业优先。
2. 工作年限：3-5年及以上互联网金融、持牌支付机构、外汇交易平台或 Web3 领域产品经验。
3. 核心经验（深度匹配以下维度）：

• 外汇与交易系统经验：精通外汇（FX）交易产品设计，熟悉 Spot/Forward 等交易逻辑、报价分发机制、点差及费率模型。
• 自营头寸与风险管理经验：具备自营场景（Principal Mode）下的头寸管理、净敞口计算、实时风控及对冲策略产品设计经验，对汇率波动风险和资金占用成本有深刻理解。
• On/Off-ramp 与 LP 接入经验：主导过加密货币出入金或跨境支付系统的建设，有主流流动性供应商（LP）、做市商（Market Maker）或上游 FX 渠道的深度接入与 API 对接经验，熟悉 Smart Order Routing (SOR) 路由逻辑。

1. 专业能力：

• 深刻理解货币兑换底层逻辑，具备极强的系统架构思维，能将复杂的清结算、头寸轧差与资金流转抽象为高扩展性的产品模块。
• 具备优秀的跨团队协作与项目推动能力，能高效协同技术、量化、合规、商务等多方资源。
• 熟悉 Web3 生态，对稳定币（USDT/USDC等）的发行、销毁、链上结算与链下法币的联动机制有深入认知。

1. 加分项：

• 具备全球多地金融/支付牌照（如香港MSO、美国MSB、新加坡MAs、欧洲EMI等）相关系统合规落地经验者优先。
• 具有做市商（Market Making）系统或高频交易风控系统产品设计背景者优先。

Job Description (JD)

【Key Responsibilities】

1. Product Planning & Design: Lead the product lifecycle planning for core product lines in the company's global stablecoin payment infrastructure, including On/Off-ramp (fiat-to-crypto and crypto-to-fiat dual conversion), Foreign Exchange (FX) trading products, and global liquidity/LP channel integration.
2. FX & Exchange Engine Design: Spearhead the product design of foreign exchange and cryptocurrency conversion trading systems, supporting market orders, limit orders, multi-currency quoting, spread management, currency hedging, and slippage control to meet 24/7, high-concurrency conversion demands.
3. Proprietary Position Management & Risk Netting: Design comprehensive Position & Risk Management systems tailored for proprietary (Principal) market-making or risk-taking conversion scenarios. Enable real-time exposure monitoring across multi-currency, multi-account, and multi-LP setups, automated netting, risk limit alerts, and hedging strategy configuration.
4. On/Off-ramp & LP Channel Integration: Lead the business and technical integration of mainstream global liquidity providers (LPs), market makers, interbank FX channels, and compliant On/Off-ramp service providers. Design standardized LP gateway interfaces to achieve smart order routing (SOR), best execution pricing, and automated failover switching.
5. Compliance, Clearing, & Business Empowerment: Collaborate with risk management, compliance, and finance teams to optimize capital clearing and settlement workflows within anti-money laundering (AML), funds segregation, and cross-border regulatory frameworks, empowering diverse scenarios such as cross-border trade, corporate global payout, and payroll distribution.

【Requirements】

1. Education: Bachelor's degree or above in Finance, Computer Science, Mathematics, Statistics, or related fields.
2. Experience: 3–5+ years of product management experience in internet finance, licensed payment institutions, foreign exchange trading platforms, or the Web3 sector.
3. Core Expertise (Deep experience in the following dimensions):

• FX & Trading Systems: Proficient in FX trading product design, familiar with Spot/Forward trading logic, quote distribution mechanisms, and spread/fee models.
• Proprietary Position & Risk Management: Experienced in product design for position management, net exposure calculation, real-time risk control, and hedging strategies under proprietary (Principal) modes, with a deep understanding of exchange rate volatility risks and capital occupation costs.
• On/Off-ramp & LP Integration: Spearheaded crypto fiat-on/off-ramp or cross-border payment system development, with deep experience integrating mainstream liquidity providers (LPs), market makers, or upstream FX channels via APIs, and familiar with Smart Order Routing (SOR) logic.

1. Professional Competencies:

• A profound understanding of the underlying logic of currency exchange, with strong system architecture thinking capable of abstracting complex clearing, position netting, and fund flows into highly extensible product modules.
• Excellent cross-functional collaboration and project driving capabilities, able to efficiently coordinate engineering, quantitative, compliance, and business resources.
• Familiarity with the Web3 ecosystem, with deep insights into the issuance, redemption, on-chain settlement, and off-chain fiat linkage mechanisms of stablecoins (USDT/USDC, etc.).

1. Preferred Qualifications:

• Experience with compliance system implementation for global financial/payment licenses (e.g., Hong Kong MSO, US MSB, Singapore MAS, European EMI).
• Background in product design for market-making systems or high-frequency trading risk control systems.

General Culture and Benefits of RD Technologies

• Exciting and collaborative startup environment.
• Give your best while having fun and grow professionally.
• A flat structure: your ideas get heard by the right people very quickly.
• Creating your own profile in the startup ecosystem.
• Casual dress code.
• Free coffee, tea, drinks and snacks daily.
• In-house gym facilities.
• Regular and fun company activities.
• Comprehensive Medical & Life insurance
• Other leaves in addition to annual leaves, e.g. marriage leave, birthday leave, compassionate leave.