Product Manager, Payment Optimization

• Own Fraud Mitigation product or product line from conception through end of life, including product management, development, and business development
• Manage, track, and report product performance throughout its lifecycle
• Drive product development and improvements, including roadmap and statement-of-direction development
• Own market-specific playbooks for issuer preferences, 3DS exemptions, network token adoption, routing rules, and retry windows
• Tune strategies for NA, EU, LATAM, APAC, and MENA
• Lead peers and dotted-line relationships through the project lifecycle
• Own incident runbooks, root-cause analysis, and reliability KPIs with on-call partners
• Prioritize features by quantified ROI and set OKRs tied to conversion lift and approval rate
• Author PRDs and sequence diagrams for gateway integrations
• Develop business cases for new product recommendations
• Manage product development from concept, design, testing, and production deployment through commercialization
• Negotiate between internal departments and clients to resolve problem statements and use cases

• 4+ years within the fraud payments ecosystem, including cards or digital wallets
• 4+ years of experience as a product manager
• Proven experience leading complex projects and driving product roadmaps
• Experience with Visa, Mastercard, and American Express card networks
• Experience with network tokens, vault/tokenization, and Apple Pay or Google Pay
• End-to-end payment processing workflow expertise, including authorization, capture, void, refund, success/decline codes, settlement, and reconciliation
• Experience designing A/B and multivariate tests for payment-method selection, routing, and retries
• Ability to quantify experimentation impact on authorization rate
• Ability to define and track approval, capture, and chargeback rates and issuer/PSP performance KPIs
• Ability to build Looker, Tableau, or Power BI dashboards and self-service views is a plus
• Ability to monitor global trends and manage approval strategies by territory
• Proficiency with analytical tools such as SQL, Snowflake, and Splunk
• Proficiency with APIs
• Must currently possess valid and unrestricted U.S. work authorization
• Temporary visa holders, including F-1, OPT, CPT, STEM, H-1B, H-2, and TN, and candidates requiring current or future sponsorship will not be considered

Demonstrates expertise in managing the full product lifecycle for Fraud Mitigation solutions, including product development, performance tracking, and strategic roadmap execution. Proficient in analyzing payment processing workflows and utilizing analytical tools to drive product improvements and optimize approval rates.