Product Manager Senior - Payments

Job description

**This position is listed on behalf of a partner company, which manages all applications and next steps. Our partner is looking for a Product Manager Senior - Payments based in Brazil.** As a Senior Product Manager specializing in Payments, you will drive the strategy, development, and optimization of payment products designed to simplify financial operations for businesses across Brazil. You will oversee the customer journey across card issuance, payment processing, and merchant acquiring, identifying opportunities to improve conversion, activation, and engagement. Through data-driven decision-making and continuous experimentation, you will uncover customer needs, reduce friction, and deliver seamless payment experiences. You will collaborate closely with engineering teams, business stakeholders, partners, and specialists in Growth, CRM, and Customer Experience to translate insights into impactful product improvements. This role combines strategic product thinking, analytical rigor, and hands-on execution in a fast-paced technology environment. It offers the opportunity to shape innovative financial solutions that help entrepreneurs manage and grow their businesses more efficiently. ### Accountabilities: - **Manage payment products:** Lead the product lifecycle for payment solutions, defining priorities and coordinating initiatives that improve usability, adoption, and business performance. - **Drive conversion and activation:** Design, implement, and evaluate experiments to increase conversion rates, customer activation, engagement, and ongoing product usage. - **Optimize the end-to-end payment journey:** Analyze the complete lifecycle of card issuance, transaction processing, and merchant acquiring to identify customer pain points, operational bottlenecks, and opportunities for improvement. - **Conduct product discovery:** Lead discovery activities with internal and external customers, partners, and ecosystem stakeholders to understand needs, validate assumptions, and identify high-value product opportunities. - **Define business requirements:** Establish business rules and functional requirements for new features, integrations, card products, and payment acceptance devices, ensuring alignment with customer needs and business objectives. - **Monitor product performance:** Track and analyze key performance indicators, including card issuance, conversion, drop-off rates, delinquency, costs, activation, and customer engagement. - **Understand customer behavior:** Investigate customer segments that fail to activate payment products or discontinue usage, identifying underlying causes and developing targeted improvement strategies. - **Collaborate with engineering teams:** Work closely with technical squads to refine user stories, clarify requirements, validate proposed solutions, and ensure successful implementation. - **Coordinate cross-functional initiatives:** Partner with CRM, Growth, and Customer Experience teams to develop initiatives that improve product adoption, retention, and engagement. - **Promote continuous improvement:** Use customer feedback, quantitative analysis, and experimentation results to refine product strategy, validate hypotheses, and deliver measurable business outcomes. ## Requirements: - **Product management experience:** Experience managing digital products, ideally involving financial services, payment products, card issuance, payment processing, or merchant acquiring. - **Payments knowledge:** Understanding of financial products and payment flows, particularly card transactions and acquiring processes. - **Data-driven decision-making:** Strong analytical skills and the ability to interpret product funnels, conversion metrics, performance indicators, and engagement data to guide prioritization. - **Product discovery expertise:** Experience conducting customer interviews, framing problems, validating hypotheses, and translating research findings into actionable product opportunities. - **Experimentation and optimization:** Ability to develop and test hypotheses, design experiments, and identify solutions that improve conversion, activation, engagement, and retention. - **Customer-centric mindset:** Ability to understand customer behavior, identify friction points, and translate customer needs into practical product improvements. - **Communication and collaboration:** Strong interpersonal skills and the ability to work effectively with engineering teams, business stakeholders, external partners, and cross-functional teams. - **Organization and prioritization:** Ability to manage competing priorities, structure complex initiatives, and coordinate product delivery in a dynamic environment. - **Adaptability and problem-solving:** Comfort navigating changing requirements, evaluating different scenarios, and developing creative solutions to complex product challenges. - **Additional experience (preferred):** Direct experience with payment methods, card products, and merchant acquiring. - **Payment integrations (preferred):** Familiarity with payment service providers (PSPs), payment gateways, fraud prevention systems, and digital wallets. - **Payments metrics (preferred):** Knowledge of digital payment performance indicators, billing metrics, transaction flows, and payment-related customer behavior. - **B2B financial products (preferred):** Experience developing financial products, payment solutions, or billing and collections platforms for business customers. ## Benefits: - **Healthcare coverage:** Medical insurance through Bradesco Saúde and dental insurance through Amil Dental. - **Mental health and well-being:** Access to a dedicated mental health platform and telemedicine services. - **Financial protection:** Life insurance through Prudential. - **Pharmacy benefit:** Assistance with eligible pharmacy expenses. - **Fitness support:** Gym allowance to encourage an active and healthy lifestyle. - **Flexible meal benefits:** Flexible meal voucher to support everyday food expenses. - **Remote work assistance:** Home-office allowance to support remote working arrangements. - **Birthday leave:** A dedicated day off to celebrate your birthday. - **Family support:** Childcare assistance to help eligible employees manage family responsibilities. - **Transportation benefits:** Public transportation assistance and company shuttle services, subject to applicable arrangements. - **Discounts and partnerships:** Access to discounts and offers through platforms such as Allya, SwileShop, and Dell. - **Educational benefits:** Access to learning and education-related benefits to support professional development. - **Travel benefits:** Access to travel-related discounts and partner offers. - **Pet healthcare:** Pet health insurance to support the well-being of your companion animals. - **Additional lifestyle benefits:** Access to SESC programs and services. - **Performance incentives:** Participation in the PPRR program, subject to applicable company policies and eligibility criteria. - **Inclusive work environment:** A collaborative culture that values trust, transparency, diversity, continuous learning, and professional growth.