Payments Optimization Product Manager

Job Description:

• Serve as the subscription and payments platform lead and optimize the platform
• Own platform migrations, retry and dunning strategy, decline and authorization rate performance, gateway routing and failover, chargeback systems, and revenue recovered from involuntary churn
• Identify problems in payment data, hypothesize changes, and write engineering requirements
• Own retry and dunning strategy end to end, including retry cadence, recovery lifecycle, hard versus soft decline handling, and the full failed-payment cycle across Scentbird businesses
• Own decline and authorization rate performance at processor, gateway, region, and BIN levels
• Convert analysis into routing, retry, or fraud rule changes
• Create execution processes that maximize safety while enabling rapid change, logging, analysis, and management
• Run the payments operating cadence, including failed-payment queues, decline and authorization rate monitoring, and gateway health
• Act as first responder when payment performance degrades
• Own recovery metrics and baselines, including dunning recovery rate, authorization rate, chargeback rate, and payment cost as a percentage of processed volume
• Own authorization-rate levers such as account updater, network-token coverage, retry timing, and failover coverage for customer-initiated transactions
• Partner with Financial Systems, CX, CRM, and Retention to align dunning messaging, billing waves, fulfillment, and CX capacity
• Regularly report payment performance to Product, Finance, and leadership
• Define what the evolving payments and billing platform must do

Requirements:

• 7+ years in payments, billing, or subscription operations at a recurring revenue business, with direct ownership of dunning, retry, or authorization rate outcomes
• Real domain fluency: decline codes and issuer behavior, BIN-level analysis, MIT versus CIT and stored credential mandates, exemption handling, network tokens and account updater, interchange, and the chargeback lifecycle
• Hands-on configuration experience in a subscription billing platform and in a gateway or PSP
• Comfort with BI tools and generating reporting to uncover problems and opportunities
• Ability to write requirements engineers can build from, including success metrics and acceptance criteria, and defend prioritization
• Measurement rigor, including proving retry or routing changes worked and distinguishing real lift from seasonality, mix shift, or a good month
• Multi-brand, multi-currency, and multi-country exposure
• Proficient at using AI agents and LLMs for synthesis, pattern discovery, red teaming, and automation of rote tasks, while keeping cardholder data inside the compliance boundary
• Margin awareness and ability to size trade-offs across recovered payments, fraud rules, and false declines
• Comfort operating with ambiguity and influencing without authority across Engineering, Financial Systems, CX, and CRM
• Experience operating inside a PCI-DSS Level 1 environment is a plus
• Exposure to reconciliation, settlement, or ERP-side finance work is a plus
• Experience with subscription businesses involving physical goods, logistics, or inventory constraints is a plus
• Overseas, non-U.S. applicants only; domestic U.S. applications will not be considered

Benefits:

• Competitive base compensation
• Bonus program
• Paid Time Off
• Work From Home
• A fun, creative and energetic work environment