Senior Product Manager, Payments

Job description

At Mudflap, we're modernizing the $1 trillion trucking industry, the backbone of the U.S. economy. By helping over 100,000 underserved small businesses save over $1 billion on fuel, Mudflap has quickly grown into a profitable fintech platform that processes billions in annual payment volume. As the Sr. Product Manager, Payments, you’ll own Mudflap’s payments platform end-to-end, shaping how money moves through the product and driving authorization rates, reliability, and spend across card usage. The focus is on improving transaction flows, controls, and performance while exploring new ways payments and fintech capabilities can create differentiated value for fleets and drivers. Success in this role requires strong product judgment, a deep understanding of payment systems and emerging fintech trends, and the ability to navigate tradeoffs like risk versus conversion. It combines strategic thinking with hands-on execution, using transaction-level data and customer insight to identify high-impact opportunities and continuously evolve the payments experience. Work Location: This role is based in Palo Alto, CA and involves a hybrid work approach, balancing in-office collaboration with the ability to work remotely. To support our team, we offer: - Commuter benefits to ease your travel - Lunches and snacks to keep you fueled - A collaborative, high-growth environment where you’ll work closely with talented teammates across the company Expectations (In this role, you will): - Own Mudflap’s payments platform end-to-end, including card, transaction flows, and partner integrations, with a focus on driving volume, reliability, and margin. - Identify and execute on high-impact opportunities to improve authorization rates, transaction success, and spend per user. - Develop a deep understanding of payment systems and stay current on fintech trends to inform product direction and unlock new capabilities. - Drive product decisions using transaction-level data, customer insight, and strong product judgment. - Partner cross-functionally to build scalable, high-reliability systems that power every transaction with accuracy and trust. - Own key product surfaces such as card controls, transaction visibility, and pricing logic. - Manage external partners including networks and processors to expand acceptance, improve economics, and shape the payments roadmap. - Define and track core payments metrics, and iterate quickly while maintaining a high bar for correctness in a high-stakes domain. - Leverage AI tools to accelerate analysis and improve the payments experience. Experience (What we look for): - 5+ years of product management experience with ownership of high-impact, customer-facing or platform products. - Experience working on payments, fintech, or transaction-heavy systems (e.g. cards, billing, risk, or financial infrastructure). - Strong product judgment with the ability to identify high-leverage opportunities that drive volume, reliability, or margin. - Comfort working with data, including transaction-level analysis, funnel drop-offs, and system performance metrics. - Ability to navigate complex systems and tradeoffs (e.g. risk vs. conversion, speed vs. accuracy, flexibility vs. control). - Track record of shipping high-quality products in cross-functional environments involving engineering, finance, risk, and operations. - Strong execution skills, with the ability to break down ambiguous problems into actionable plans and deliver results. - Clear and direct communication, with the ability to influence stakeholders across technical and non-technical teams. - Experience working with external partners (e.g. processors, networks, or enterprise partners) is a plus. - Hands-on experience using AI tools to accelerate analysis, decision-making, or product development. Please note: We are unable to provide employment visa sponsorship or transfer existing employment visa sponsorship for this position at this time. Perks and Benefits (What we offer): - Competitive salary and equity in a high-growth startup - Multiple health benefit options - Responsible Time Off - 401(k) matching - Opportunities and support for major career growth - Annual Company offsite event (Mudfest!) The salary range for this role is $195,000 - $215,000 + equity. This information reflects a base salary range for this position based on current market data, which may be subject to change as new market data becomes available. The candidate's skills, experience, and other relevant factors will determine the exact compensation. Company Overview (Who we are): Mudflap is on a mission to transform the trucking and logistics industry by leveling the playing field for owner operators and small fleets. Backed by top-tier venture investors, including QED, Matrix Partners, Commerce Ventures, NFX, and 500 Startups and included in the Forbes Fintech 50 list, Mudflap offers fleet fuel management solutions. Our core team hails from Disney, Uber, Procore, DoorDash, Google, Meta, Capital One, Affirm and Brex. Here are the core values that we believe in and look for in new teammates: - Be Customer Obsessed: We deeply understand customer needs and put our customers at the center of everything we do - Make it Count: Act like an owner by focusing on the impact of your work - Find a Way: Be a creative problem solver who pushes past roadblocks to win for our customers and our teammates - Sweat the Details: We keep our standards high and achieve them by paying attention to every detail - Be Curious: Use a growth mindset to question assumptions, take calculated risks and stretch the boundaries of what’s possible