Sr. Product Manager, Payment Processing

The Company

PayPal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy.

We operate a global, two-sided network at scale that connects hundreds of millions of merchants and consumers. We help merchants and consumers connect, transact, and complete payments, whether they are online or in person. PayPal is more than a connection to third-party payment networks. We provide proprietary payment solutions accepted by merchants that enable the completion of payments on our platform on behalf of our customers.

We offer our customers the flexibility to use their accounts to purchase and receive payments for goods and services, as well as the ability to transfer and withdraw funds. We enable consumers to exchange funds more safely with merchants using a variety of funding sources, which may include a bank account, a PayPal or Venmo account balance, PayPal and Venmo branded credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products such as gift cards, and eligible credit card rewards. Our PayPal, Venmo, and Xoom products also make it safer and simpler for friends and family to transfer funds to each other. We offer merchants an end-to-end payments solution that provides authorization and settlement capabilities, as well as instant access to funds and payouts. We also help merchants connect with their customers, process exchanges and returns, and manage risk. We enable consumers to engage in cross-border shopping and merchants to extend their global reach while reducing the complexity and friction involved in enabling cross-border trade.

Our beliefs are the foundation for how we conduct business every day. We live each day guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Together, our values ensure that we work together as one global team with our customers at the center of everything we do – and they push us to ensure we take care of ourselves, each other, and our communities.

Job Description Summary:

Meet our team

PayPal Complete Payments Platform (PPCP) powers PayPal’s Unbranded and Gateway payments acceptance solutions and payment services. We're launching a new era of growth for PPCP by uniting our payment brands with a wealth of payment options, risk and experience tools, and cutting-edge monetization experiences. We are looking for a Product Manager, Unbranded Payment Processing to lead in this new era of growth.

As the Senior Product Manager for the Unbranded Card Payments, you will play a pivotal role in development, rollout and adoption of Card processing services that are a part of the PPCP product suite. Your responsibilities will include leading strategic initiatives to optimize payment processing, drive market expansion, and expand PPCP adoption by existing and new merchants.

You will collaborate with stakeholders in Payments, Risk, Onboarding, GTM, Sales and others to bring payment processing capabilities to PayPal's vast network of SMB and mid-market direct, and partner managed/ marketplaces merchants.

Your day to day

• Own one or more payment processing capabilities and products.

• Build and execute on the merchant payment acceptance roadmap.

• With minimal guidance, develop a product strategy and lead end to end program execution.

• Partner with engineering teams, business analytics, program managers, sales and card relationships teams to rollout out capabilities globally.

• Identify goals, define metrics and setup observability to drive prioritization, product goals.

• Work closely with development teams in an agile environment.

Product Development and Management

• Lead the product lifecycle from ideation to launch, including requirements gathering, prioritization, development, and release.

• Collaborate with engineering, design, and other cross-functional teams to deliver high-quality products on time.

• Ensure that products meet security, compliance, and performance standards.

Customer Focus and Stakeholder Management

• Act as the voice of the customer, ensuring that customer needs and feedback are central to the product development process.

• Build and maintain strong relationships with key stakeholders, including clients, partners, and internal teams.

• Develop and present business cases, product proposals, and performance reports to senior management.

Technical Expertise

• Maintain a solid understanding of CNP processing, 3ds, CIT/ MIT framework, payment gateways, tokenization, and other related technologies.

• Expertise in design and build of REST APIs, js SDKs, webhooks.

• Experience in leading merchants through platform migrations and integration changes to take advantage of latest capabilities we have to offer.

• Provide guidance and support to the Sales, merchant services team in helping merchants (re)integrate with newer payment acceptance capabilities.

• Stay up to date with industry trends, standards, card network mandates and global regulatory changes.

What do you need to bring

• 7+ years of experience in product management within the payment industry, with a focus on CNP processing and checkout flows.

• Strong technical background with a deep understanding of card processing, 3DS, CIT/MIT framework, tokenization, and payment networks.

• Experience working in product-centric companies, with significant cross functional internal and external dependencies.

• Outstanding communication, presentation, and interpersonal skills to influence internal and external stakeholders and geographical-dispersed teams in support new product initiatives.

• Breadth and depth of industry experience in executing partnership strategies, prioritizing product backlog by balancing short term goals and long-term plans.

Why Join Us

• Opportunity to work with a dynamic and innovative team in the payment industry.

• Competitive salary and benefits package.

• Professional development opportunities and career growth.

• Flexible work environment and a commitment to work-life balance.

Additional Job Description:

Subsidiary: PayPal

Travel Percent: 0

PayPal is committed to fair and equitable compensation practices. Actual Compensation is based on various factors including but not limited to work location, and relevant skills and experience. The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits.

The U.S. national annual pay range for this role is $64000 to $156750.

For the majority of employees, PayPal's balanced hybrid work model offers 3 days in the office for effective in-person collaboration and 2 days at your choice of either the PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.

Our Benefits:

At PayPal, we’re committed to building an equitable and inclusive global economy. And we can’t do this without our most important asset—you. That’s why we offer benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you.

We have great benefits including a flexible work environment, employee shares options, health and life insurance and more.

Who We Are:

Click Here to learn more about our culture and community.

Commitment to Diversity and Inclusion

PayPal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state, or local law. In addition, PayPal will provide reasonable accommodations for qualified individuals with disabilities. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at talentaccommodations@paypal.com.

Belonging at PayPal:

Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging. Belonging at PayPal means creating a workplace with a sense of acceptance and security where all employees feel included and valued. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal.

Any general requests for consideration of your skills, please Join our Talent Community.

We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don’t hesitate to apply.