Senior Product Manager, Authorization Optimization

At the company, we help merchants confidently grow their businesses by building trusted relationships with their customers. Our advanced technology, combined with a team genuinely invested in our clients’ success, creates frictionless shopping experiences, approving more good orders, protecting revenue, and keeping customers happy.

Trusted by thousands of leading merchants across more than 100 countries, we securely process billions of transactions each year. Our people are the heart of everything we do, driving our mission forward with commitment, empathy, and creativity. Join us on our mission to empower confident, fraud-free commerce by helping online retailers provide superior customer experiences and eliminate fraud. Learn about our company values here !

About the role

We are looking for a Senior Product Manager to own our authorization optimization product area, where payments and fraud decisioning meet. You will own authorization rate improvement for legitimate transactions. Set the strategy, prioritize the highest-value opportunities, and drive delivery across existing capability teams.

This is a hands-on, technical product role. You will translate strategy into precise requirements, define the data and API interfaces that connect us with merchants, payment service providers and issuers, and be the product voice in architecture discussions. You will work daily with engineering and data science, and alongside go-to-market teams who bring the product to merchants.

What you'll do

• Own the authorization optimization roadmap end to end: set priorities, sequence delivery, make tradeoffs, and communicate the plan and its rationale to leadership, engineering and go-to-market teams.

• Determine where the company should build, orchestrate, partner or influence issuers directly, informed by issuer behavior, merchant needs and regional payment dynamics.

• Write detailed technical specifications, user stories and acceptance criteria, and manage the backlog with engineering.

• Define and evolve the APIs, data models and integration points through which authorization and decline data flows between merchants, PSPs, issuers and our platform.

• Identify, evaluate and develop new partnerships (such as PSPs, gateways, acquirers, issuers and data or technology providers) that expand our coverage and deliver measurable value to merchants.

• Build issuer/BIN intelligence covering authorization performance, decline patterns and treatment effectiveness. Maintain a quantified opportunity map to prioritize recoverable revenue.

• Drive issuer-specific decisioning across step-ups, 3DS, decline recovery and intelligent retries; inform routing where merchants have multiple PSP or acquirer options.

• Work with data science to define requirements for risk-aware decisioning, balancing approval gains against fraud and chargeback exposure.

• Own measurable authorization uplift and recovered merchant revenue. Demonstrate treatment impact through merchant proofs of value and issuer/BIN-level reporting.

• Partner with sales, solutions and customer success to bring merchant feedback into the roadmap and support adoption.

• Stay current on card network rules, regulation and industry practice, and use that knowledge to sharpen requirements.

What you'll bring (required)

• 5+ years in a product management role, including ownership of a roadmap and end-to-end delivery.

• Hands-on payments product experience spanning issuer authorization behavior, with a deep understanding of decline recovery and retries, 3DS, PSD2/SCA frameworks (including the upcoming transition to PSD3/PSR), and demonstrated improvements in authorization performance.

• Experience writing detailed technical specs and defining APIs or data interfaces in partnership with engineering (backend or high-volume transaction systems a plus).

• Strong analytical skills, with comfort working from transaction-level data and defining success metrics.

• Experience working closely with data science or analytics teams and translating insights into product requirements.

• Proven ability to influence cross-functional stakeholders without direct authority.

• Clear written and verbal communication with technical and non-technical audiences.

Preferred

• Experience at a payment processor, PSP, acquirer, card network, issuer or fraud/risk vendor.

• Exposure to fraud, risk or digital identity products, including the false-decline versus fraud-loss tradeoff.

• Experience defining requirements for ML-driven decisioning.

• Familiarity with 3DS/EMVCo, tokenization, ISO 8583 and PSD2/SCA.

• B2B SaaS or enterprise e-commerce merchant experience.

#LI-Remote

Benefits in our US offices

• Discretionary Time Off Policy (Unlimited!)

• 401K Match

• Stock Options

• Annual Performance Bonus or Commissions

• Paid Parental Leave (12 weeks)

• On-Demand Therapy for all employees & their dependents

• Dedicated learning budget through Learnerbly

• Health Insurance

• Dental Insurance

• Vision Insurance

• Flexible Spending Account (FSA)

• Short Term and Long Term Disability Insurance

• Life Insurance

• Company Social Events

• the company Swag

Compensation

In the United States, each work location is assigned a specific pay zone, which determines the salary range for a given position. The starting base salary for the selected candidate will be based on a variety of factors, including job-related skills, experience, qualifications, geographic location, and current market conditions.

Base Salary Ranges by Pay Zone

• Tier 1 (NYC/SF Bay Area/Seattle): $165,000 – $205,000 annually

• Tier 2 (DC Metro/Austin/Chicago/Denver/Boston/Los Angeles/San Diego): $155,000 – $195,000 annually

• Tier 3 (US - All Other): $145,000 – $185,000 annually

Equity: This role is eligible for a stock option grant of 7,000 stock options, based on the position level and internal compensation guidelines.

Bonus: This role is eligible for an annual performance bonus of up to 10% of base salary.

We want to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the  hiring  process.

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