Xero
Senior Product Manager - Payments
US: San Mateo (1875 South Grant Street) · Senior
Sponsorship not specifiedDetected 1 day ago
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About the role
- This role requires a payments generalist who has directly built both: - Customer-facing payment products for merchants, payers or consumers. - Back-end payment capabilities supporting the end-to-end movement and processing of money.
- Your impact will be measured through customer, operational and commercial outcomes, including payment adoption, transaction success, time to money, reliability, customer satisfaction and payments revenue.
- You should understand how customer-facing payment experiences connect to the underlying movement of money, transaction states, processor integrations, risk decisions, operational workflows and financial records.
Responsibilities
- Own products across the complete payment journey, from merchant onboarding and payment acceptance through authorization, processing, funds availability, settlement, payouts, refunds, disputes and reconciliation.
- Ensure that customer experiences and underlying platform capabilities are designed together as one cohesive product.
- Develop simple, trusted and intuitive experiences that help small businesses accept payments, understand transaction status, access their funds and reconcile payments with their accounting records.
- Lead customer research to understand the needs of merchants, payers and operational users.
- Partner closely with Design and Engineering to create high-quality experiences across web, mobile and embedded payment surfaces.
- Partner with Engineering on the architecture and evolution of Xero's payments platform.
- As a Senior Product Manager in Xero's Payments team, you will help build the products and platform that enable millions of small businesses to get paid and move money securely, reliably and effortlessly.
- You will own complex payment capabilities from end to end-spanning both the customer-facing experience and the underlying payments platform.
- This includes experiences such as merchant onboarding, payment acceptance, transaction visibility, funds availability, refunds and reconciliation, as well as the platform capabilities that support payment processing, pay-ins, payouts, settlement, orchestration and integration with payment processors and financial networks.
- Your mission will be to help Xero deliver a modern, resilient and processor-agnostic payments experience that meets customer needs while improving transaction performance, reliability, time to money and commercial outcomes.
Requirements
- Deep, hands-on experience in the payments industry is essential for this role.
- You must have demonstrated experience building and operating payment products across both customer-facing experiences and back-end payments infrastructure.
- Significant Product Management experience in a software development environment.
- A strong track record of addressing customer needs through the innovative use of technology.
- Demonstrated ability to operate in technically complex and highly ambiguous product environments.
- Strong product judgement and the ability to make decisions with incomplete information.
- Experience defining and measuring customer, commercial, operational and technical outcomes.
- Demonstrated ability to influence decisions at all levels of an organisation.
- Strong understanding of payment system concepts, transaction flows and payment-provider integrations.
- Ability to translate customer and business needs into clear product requirements and technical specifications.
Compensation
- Take an active role in annual and quarterly planning, including funding, prioritisation and resourcing discussions.
Benefits
- Develop the vision, strategy and roadmap for customer-facing payment products and the platform capabilities required to support them.
- Manage products from early-stage research and ideation through launch, scaling, ongoing operation and eventual retirement.
- Define and monitor the operational health of the products and payment flows you own.
Company info
- SENIOR PRODUCT MANAGER - PAYMENTS OUR PURPOSE At Xero, we're here to supercharge small businesses.
This listing is sourced directly from Xero's careers page and normalized into a canonical job model.