SR Product Manager

## SR Product Manager - Payments NYC Jersey City (USA)
· Full-time
· Intermediate#### About The Position Matrix is seeking a
** Senior Product Manager, Payments
** with deep, hands-on experience building, managing, and scaling payment products and payment platform integrations.

This role will own the strategy, roadmap, and execution of payment capabilities across the platform, including
** credit and debit cards, ACH, Money Gram and other alternative payment methods, lockbox services, recurring/autopay, and online payments**.The ideal candidate brings strong payments-domain expertise combined with senior-level product leadership, technical fluency, and the ability to drive complex initiatives across Product, Engineering, Architecture, Design, QA, Finance, Operations, Compliance, and external payment partners.

Key Responsibilities
* Own the
** payment product strategy, roadmap, prioritization, and execution
** across the platform.
* Lead payment initiatives end-to-end, from discovery and requirements definition through development, testing, launch, and post-launch optimization.
* Drive improvements across
** payment acceptance, conversion, reliability, settlement, reconciliation, refunds, reversals, returns, disputes, and customer payment experiences**.
* Manage and evolve integrations with
** payment processors, gateways, banks, payment networks, lockbox providers, Money Gram and other fintech partners**.
* Partner with Engineering and Architecture to design scalable, secure payment workflows, APIs, data flows, integrations, and transaction-processing capabilities.
* Collaborate with Finance, Operations, Support, and Compliance to ensure accurate
** settlement, reconciliation, reporting, controls, and operational processes**.
* Analyze transaction data, payment trends, customer feedback, support issues, and operational metrics to identify friction points and prioritize product improvements.
* Translate complex payment requirements and technical constraints into clear
** product requirements, user stories, acceptance criteria, process flows, and business rules**.
* Lead cross-functional delivery using Agile/Scrum methodologies while maintaining visibility into scope, dependencies, risks, and launch readiness.
* Serve as a
** payments subject-matter expert
** and establish product best practices across the organization.

Required Payments Experience This position requires substantial hands-on experience with
** payment products, payment platforms, or payment processing ecosystems**. Candidates should understand both the customer-facing payment experience and the underlying technical and operational lifecycle.

Required experience includes:
* ** Credit and debit card payments:
** authorization, capture, settlement, refunds, chargebacks/disputes, tokenization, and card-on-file.
* ** ACH payments:
** account validation, payment initiation, returns, settlement timing, status management, and exception handling.
* ** Alternative and cash payment methods:
** Money Gram or comparable bill-payment and cash-payment networks.
* ** Lockbox processing:
** remittance data, payment matching, exception management, posting, and reconciliation.
* ** Digital payment experiences:
** one-time payments, scheduled payments, recurring payments, autopay, and stored payment methods.
* ** Payment integrations:
** processors, gateways, banks, fintech partners, and payment networks using APIs, webhooks, batch files, or other transaction-processing mechanisms.
* ** Payment operations:
** transaction lifecycle management, settlement reporting, reconciliation, troubleshooting, and resolution of payment failures or discrepancies.
* ** Payment security and risk:
** understanding of fraud, risk, compliance, security, and payment-control…