Product Manager – Payments and Refund Processing

Role Overview

• Own the strategy, vision and roadmap for payment and refund processing — engaging users, stakeholders and commercial partners to define, validate and iterate it continuously, using competitive intelligence and AI tools to inform positioning.
• Drive internationalisation of payment capabilities, ensuring the platform supports compliant payment processing across each regulatory jurisdiction without bespoke builds.
• Make evidence-based prioritisation decisions, estimating the effort and value of roadmap items, using AI-powered estimation tools to improve accuracy, and discussing trade-offs transparently with stakeholders.
• Define and track key product outcomes — implementing dashboards for real-time performance visibility, running A/B and multivariate test and learn, and using data to drive continuous improvement in quality and user experience.
• Represent users confidently in internal discussions, advocating for research across all user types and leveraging AI-powered research tools (e.g. Dovetail AI, User Testing AI) to accelerate insight generation at scale.
• Advocate for product-led thinking within your team, consult with stakeholders to protect the team from unnecessary directional changes, and champion AI tool adoption.
• Create and maintain a prioritised roadmap, working with your team to validate what adds value now and in future, drafting PRDs and specifications.
• Build long-term stakeholder relationships, implementing communications strategies and influencing effectively to drive alignment and outcomes.

Requirements

• Proven experience as a Product Manager in a SaaS business, ideally within fintech or payments, with a track record of shipping payment or financial products at scale
• Demonstrable experience owning and delivering a payment management capability end-to-end within a SaaS platform
• Experience scaling a product across multiple markets or regulatory jurisdictions while maintaining a coherent platform
• Experience of using AI and data to drive product decisions, with a vision for how AI can transform payment and refund processing at scale
• Strong understanding of digital payment methods including Direct Debit (BACS), card payments, Open Banking/Pay by Bank, prepayment, and emerging real-time payment rails (Faster Payments, CHAPS)
• Global payments knowledge including international card schemes (Visa, Mastercard), cross-border payment methods, SEPA (for European context), and awareness of global digital wallet ecosystems (Apple Pay, Google Pay, PayPal)
• Experience working with payment gateways, PSPs (Payment Service Providers), and banking APIs; ability to evaluate and manage third-party payment technology partners and integrations
• Experience working in an agile environment; strong analytical skills with the ability to use data to drive product decisions and measure the performance of payment features through relevant metrics
• Familiarity with experimentation platforms and AI productivity tools is advantageous
• Familiarity with UK energy industry payment methods and debt management processes, including Smart Prepayment Meters (PPM), Fuel Direct, Payment Matching, and Debt Assignment Protocol (DAP); experience with Ofgem and FCA compliance requirements as they relate to customer payments is advantageous
• Experience managing complex stakeholder relationships, including senior commercial partners.

Tech Stack

• Ruby on Rails

Benefits

• 25 days’ holiday + bank holidays
• Option to buy or sell 5 extra annual leave days per year
• Vitality Health Insurance, including private healthcare, virtual GP access, mental‑health support and wellbeing perks (50% off gym memberships -Virgin Active, Nuffield, PureGym)
• Pension with 5% matched contribution
• Regular team‑wide and company‑wide events
• 2 volunteering days per year to give back
• Remote‑first working environment with offices in London and Nottingham