Principal Product Manager, Payments (B2B2C Vertical SaaS)

SQUIRE is the leading business management system designed for the needs of barbers, shop owners, and their communities. They are seeking a Principal Product Manager, Payments to lead the strategy and execution of their embedded payments platform within a B2B2C vertical SaaS ecosystem, ensuring payments act as a growth engine for the company.

Responsibilities:

• Define and own the payments product vision and multi-year roadmap for a B2B2C vertical SaaS platform
• Lead strategy across embedded payments, onboarding, pricing, settlement, payouts, refunds, disputes, and reconciliation
• Ensure payments are tightly integrated into core SaaS workflows, driving merchant adoption, retention, and ARPU
• Evaluate and launch new capabilities such as industry-specific payment flows, financing, subscriptions, and value-added services
• Deeply understand the needs of platform customers (businesses) and their end users (consumers)
• Design intuitive experiences for merchant onboarding, configuration, reporting, and cash flow visibility
• Optimize checkout and payment flows to maximize conversion, authorization rates, and customer satisfaction
• Partner with engineering to deliver highly reliable, scalable payment systems that support peak volumes and growth
• Translate complex platform requirements into clear PRDs, APIs, and success metrics
• Coordinate across risk, compliance, finance, operations, sales, and customer success to deliver end-to-end solutions
• Lead launches, migrations, and platform upgrades with minimal disruption to merchants
• Own the product partnership with Risk, Compliance, and Legal to meet requirements including PCI, AML, KYC/KYB, and card network rules
• Balance friction and fraud prevention across merchant onboarding and end-customer payment flows
• Drive proactive improvements to disputes, chargebacks, and fraud tooling and processes
• Define and track KPIs including payment adoption, take rate, authorization rate, payment success rate, fraud loss, and settlement SLAs
• Use data, experimentation, and customer insights to prioritize roadmap decisions
• Partner with finance and GTM teams on pricing, monetization, and payments-led growth strategies
• Serve as the payments domain expert within the product organization
• Mentor PMs and raise the bar for platform thinking and execution
• Influence senior leaders with clear narratives around tradeoffs, risk, and opportunity

Requirements:

• 8+ years of product management experience, including significant ownership of embedded or platform payments
• Proven experience building products in a B2B2C, marketplace, or vertical SaaS environment
• Hands-on experience with merchant onboarding, settlement, and reconciliation at scale
• Strong understanding of the payments ecosystem (processors, networks, acquiring, issuing)
• Comfort operating in regulated environments and partnering closely with compliance and risk teams
• Ability to balance long-term platform investments with near-term revenue and customer needs
• Experience monetizing payments within vertical software
• Familiarity with small business payment workflows
• Experience expanding payments into new verticals or geographies