Product Manager (Payments

About the Role

The Product Manager (Payments) is a core execution role within WEX's Health & Benefits digital organization. This role is responsible for driving the delivery and continuous improvement of WEX's payment products — including HSA debit card rails, claims reimbursement flows, ACH/RTP money movement, real‑time payment notifications, and spend authorization logic — that sit at the intersection of member experience and financial operations.

This PM operates with a strong bias for outcomes over output: they connect every feature decision to adoption, retention, cost‑to‑serve, or revenue impact. They bring domain fluency in healthcare payments and fintech, use AI‑enabled workflows as a default starting point for synthesis and analysis, and are trusted partners across engineering, compliance, operations, and external payment vendors. This role is the payments execution engine for H&B's product organization.

The right candidate is someone who is equally comfortable reviewing ACH return codes and presenting trade‑off recommendations to senior stakeholders — and who makes disciplined prioritization decisions with incomplete information.

Execution & Outcomes‑Oriented Delivery (60%): Own end‑to‑end execution for payment product features including HSA debit card rails, claims auto‑adjudication, ACH/RTP money movement, and real‑time payment notifications. Actively participate in and facilitate core Scrum ceremonies (e.g., Sprint Planning, Daily Standups, Refinement, Demos, Retrospectives), stepping up to lead ceremonies as needed. Drive short‑term delivery with a bias for speed, iterating quickly based on stakeholder feedback and outcome data.

Ensure delivery choices connect directly to adoption, revenue, and operational efficiency targets.

Discovery & Strategy Support (15%): Lead discovery for payments‑specific product problems — including spend authorization flows, payment partner integrations, and compliance‑adjacent money movement constraints. Synthesize customer insight, payment industry signals, and competitive intelligence into testable hypotheses. Use AI‑enabled research tools to accelerate synthesis while maintaining rigorous human judgment on conclusions.

Insights‑Driven Decision Making (10%): Navigate payment‑specific metrics including authorization rates, decline rates, transaction error rates, auto‑adjudication throughput, and cost‑per‑transaction. Use both qualitative and quantitative inputs to drive prioritization decisions. Cross‑check AI‑generated analysis against source data and apply appropriate rigor based on decision reversibility and risk.

Collaboration & Trusted Partnership (10%): Drive effective communication with engineering, compliance, finance, operations, and external payment partners (card networks, ACH processors, custodians). Clarify decision ownership, proactively resolve impediments, and ensure no ambiguity turns into delivery drift. Understand the H&B payment strategy and contribute grounded ideas on sequencing and trade‑offs.

Customer Obsession & Learning (5%): Identify friction in the member payment experience — from card declines and reimbursement delays to claims submission errors — and translate trends into actionable product improvements. Participate in customer empathy sessions with employers, members, and brokers. Apply a test‑and‑learn approach to validate payment UX hypotheses before full build.

• Payments Domain Expertise:
  Working knowledge of healthcare payment ecosystems: HSA/FSA/HRA debit card rails (Visa/Mastercard), ACH, RTP/Fed Now, and claims reimbursement workflows.
• Familiarity with payment compliance constraints: IRS 213(d) substantiation rules, IIAS, Reg E, and AML/KYC implications for benefits accounts.
• Understanding of payment partner ecosystem: card processors, custodial bank partners, clearinghouses, and third‑party payment APIs.
• Product Execution:
  Ability to own end‑to‑end delivery for complex, dependency‑heavy payment features across experience, technology, compliance, and operations.
• Strong prioritization discipline — can distinguish important from urgent, articulate feature trade‑offs in business terms,…