Senior Product Manager(Payments Expert)

Senior Payments Consultant / Payments Expert

Remote

Role Summary

We are looking for a Senior Payments Consultant / Payments Expert with deep knowledge of the end-to-end payments ecosystem and experience helping organizations design, implement, and optimize payment solutions.

The ideal candidate will have strong experience with payment processors, gateways, merchant acquiring, payment methods, transaction lifecycle, payment economics, reconciliation, and third-party payment integrations. In addition to deep payments expertise, the consultant should bring a strong business and customer perspective—understanding the problem being solved, evaluating options and economics, and helping take payment capabilities from discovery and strategy through implementation and launch.

The role requires someone who can communicate complex payment concepts in simple business terms and work effectively across business, technology, finance, operations, and external payment partners.

Key Responsibilities

·       Provide subject matter expertise across the end-to-end payment transaction lifecycle, including authorization, capture, settlement, funding, reconciliation, refunds, disputes, and chargebacks.

·       Evaluate and recommend payment processors, gateways, platforms, and third-party payment solutions.

·       Understand payment pricing and economics, including processing fees, transaction costs, interchange, gateway/processor fees, and other commercial considerations.

·       Partner with business and technology stakeholders to understand customer and business problems before recommending payment solutions.

·       Support the discovery, design, integration, implementation, and launch of new payment capabilities.

·       Work with external payment processors, gateways, vendors, and technology partners.

·       Identify payment processing issues and opportunities related to acceptance rates, transaction failures, reconciliation, fraud, costs, and customer experience.

·       Translate business requirements into payment capabilities and work with technical teams through implementation.

·       Help define priorities, requirements, and an MVP/iterative approach for new payment capabilities.

·       Support product strategy and roadmap discussions related to payments.

·       Work effectively in a fast-paced environment where requirements and priorities may evolve.

·       Clearly communicate payment recommendations, trade-offs, and business impacts to both technical and non-technical stakeholders.

Required Experience

·       Strong hands-on experience in the payments industry.

·       Deep understanding of payment processors, gateways, acquiring, merchant services, and payment platforms.

·       Strong understanding of credit/debit cards, digital wallets, ACH, and other payment methods.

·       Experience with payment integrations and end-to-end transaction processing.

·       Knowledge of payment pricing, processing fees, transaction costs, and payment economics.

·       Experience with settlement, reconciliation, refunds, disputes, chargebacks, and payment operations.

·       Experience working with third-party payment vendors and processors.

·       Strong problem-solving and analytical skills.

·       Ability to explain complex payment concepts clearly and in simple business terms.

·       Experience working directly with business, customer, and technology stakeholders.

Preferred Experience

·       Experience helping launch or implement new payment products or capabilities from discovery through implementation and launch.

·       Exposure to product management activities such as customer discovery, defining requirements, MVP development, prioritization, roadmaps, and product iteration.

·       Experience in franchise, multi-brand, marketplace, retail, hospitality, merchant, or other multi-party environments.

·       Experience with mobile or digital payment experiences.

·       Experience with Stripe or similar payment platforms is beneficial but not required.

·       Ability to demonstrate specific examples of payment problems solved and measurable business/customer outcomes.