Senior Product Manager, Payments
Instacart
Senior Product Manager, Payments
Job Description
Responsibilities
- Own the global payments roadmap and strategy across authorization, routing, retries, tokenization, chargebacks/disputes, and refunds/partial captures, with clear KPIs for conversion, cost, latency, and reliability.
- Design and scale a multi-PSP platform, including smart routing, failover, experimentation frameworks, and performance monitoring to continuously improve auth rates and reduce processing costs.
- Expand payment methods in the US and internationally, including wallets, local payment methods, EBT SNAP, HSA/FSA, and other emerging options, ensuring compliance with regional and network requirements.
- Partner closely with engineering (working with approximately 10–20 engineers) to define PRDs, scope systems, manage delivery timelines, and uphold high standards for availability, security, and PCI compliance.
- Collaborate across Platform, Fraud, Order Management, Loyalty, Pricing/Discounting, Shopper (for payouts), and Instacart+ (for subscriptions) to support nuanced flows like post-order changes, substitutions, partial captures, and disbursements.
- Manage external relationships with PSPs and card networks—driving performance reviews, negotiating favorable terms, running vendor evaluations, and ensuring SLAs and compliance are consistently met.
Required Qualifications
- 6+ years of product management experience, including 3+ years focused on payments, ecommerce, or financial platform products.
- Proven track record optimizing payment stacks at scale, including improving authorization rates, reducing processing costs, and integrating or scaling multi-PSP platforms.
- Hands-on experience delivering core payments capabilities such as routing and retries, tokenization/vaulting, 3DS/payer authentication, chargebacks/disputes, and refunds/partial captures.
- Proficiency with data and experimentation (e.g., SQL and analytics tools) to define KPIs, diagnose issues, and drive A/B tests or holdouts that inform product decisions.
- Demonstrated success working cross-functionally with engineering, operations, finance, legal, and compliance, as well as externally with PSPs and card networks.
- Working knowledge of PCI DSS, card network rules, and regional payments regulations and privacy standards.
- Bachelor's degree in business, engineering, computer science, or a related field; equivalent practical experience considered.
Preferred Qualifications
- Experience building for multi-sided marketplaces and/or core platform domains such as order management systems, loyalty programs, pricing/discounting, fraud prevention, or subscription models.
- Familiarity with EBT SNAP, HSA/FSA, wallets, BNPL, and local payment methods across international markets.
- Experience managing PSP/vendor relationships, advocating for product needs, and negotiating commercial terms.
- Background supporting payouts/disbursements for contractors or shoppers and related reconciliation flows.
- MBA or advanced technical/strategy degree.
Required Skills
- Product management
- Payments optimization
- Multi-PSP platforms
- Routing and retries
- Tokenization/vaulting
- 3DS/payer authentication
- Chargebacks/disputes
- Refunds/partial captures
- SQL and analytics tools
- A/B testing
- Cross-functional collaboration
- PCI DSS
- Card network rules
- Regional payments regulations
Benefits
- Highly market-competitive compensation
- New hire equity grant as well as annual refresh grants
- Flex First remote work policy
- Regular in-person events
Locations
- United States, United States (Remote)
Salary
Estimated Salary Rangemedium confidence
220,000 - 400,000 USD / yearly
Source: ai estimated
* This is an estimated range based on market data and may vary based on experience and qualifications.
Skills Required
- Product managementintermediate
- Payments optimizationintermediate
- Multi-PSP platformsintermediate
- Routing and retriesintermediate
- Tokenization/vaultingintermediate
- 3DS/payer authenticationintermediate
- Chargebacks/disputesintermediate
- Refunds/partial capturesintermediate
- SQL and analytics toolsintermediate
- A/B testingintermediate
- Cross-functional collaborationintermediate
- PCI DSSintermediate
- Card network rulesintermediate
- Regional payments regulationsintermediate
Required Qualifications
- 6+ years of product management experience, including 3+ years focused on payments, ecommerce, or financial platform products. (experience)
- Proven track record optimizing payment stacks at scale, including improving authorization rates, reducing processing costs, and integrating or scaling multi-PSP platforms. (experience)
- Hands-on experience delivering core payments capabilities such as routing and retries, tokenization/vaulting, 3DS/payer authentication, chargebacks/disputes, and refunds/partial captures. (experience)
- Proficiency with data and experimentation (e.g., SQL and analytics tools) to define KPIs, diagnose issues, and drive A/B tests or holdouts that inform product decisions. (experience)
- Demonstrated success working cross-functionally with engineering, operations, finance, legal, and compliance, as well as externally with PSPs and card networks. (experience)
- Working knowledge of PCI DSS, card network rules, and regional payments regulations and privacy standards. (experience)
- Bachelor's degree in business, engineering, computer science, or a related field; equivalent practical experience considered. (experience)
Preferred Qualifications
- Experience building for multi-sided marketplaces and/or core platform domains such as order management systems, loyalty programs, pricing/discounting, fraud prevention, or subscription models. (experience)
- Familiarity with EBT SNAP, HSA/FSA, wallets, BNPL, and local payment methods across international markets. (experience)
- Experience managing PSP/vendor relationships, advocating for product needs, and negotiating commercial terms. (experience)
- Background supporting payouts/disbursements for contractors or shoppers and related reconciliation flows. (experience)
- MBA or advanced technical/strategy degree. (experience)
Responsibilities
- Own the global payments roadmap and strategy across authorization, routing, retries, tokenization, chargebacks/disputes, and refunds/partial captures, with clear KPIs for conversion, cost, latency, and reliability.
- Design and scale a multi-PSP platform, including smart routing, failover, experimentation frameworks, and performance monitoring to continuously improve auth rates and reduce processing costs.
- Expand payment methods in the US and internationally, including wallets, local payment methods, EBT SNAP, HSA/FSA, and other emerging options, ensuring compliance with regional and network requirements.
- Partner closely with engineering (working with approximately 10–20 engineers) to define PRDs, scope systems, manage delivery timelines, and uphold high standards for availability, security, and PCI compliance.
- Collaborate across Platform, Fraud, Order Management, Loyalty, Pricing/Discounting, Shopper (for payouts), and Instacart+ (for subscriptions) to support nuanced flows like post-order changes, substitutions, partial captures, and disbursements.
- Manage external relationships with PSPs and card networks—driving performance reviews, negotiating favorable terms, running vendor evaluations, and ensuring SLAs and compliance are consistently met.
Benefits
- general: Highly market-competitive compensation
- general: New hire equity grant as well as annual refresh grants
- general: Flex First remote work policy
- general: Regular in-person events
Tags & Categories
Senior Product Manager, Payments
Instacart
Senior Product Manager, Payments
Job Description
Responsibilities
- Own the global payments roadmap and strategy across authorization, routing, retries, tokenization, chargebacks/disputes, and refunds/partial captures, with clear KPIs for conversion, cost, latency, and reliability.
- Design and scale a multi-PSP platform, including smart routing, failover, experimentation frameworks, and performance monitoring to continuously improve auth rates and reduce processing costs.
- Expand payment methods in the US and internationally, including wallets, local payment methods, EBT SNAP, HSA/FSA, and other emerging options, ensuring compliance with regional and network requirements.
- Partner closely with engineering (working with approximately 10–20 engineers) to define PRDs, scope systems, manage delivery timelines, and uphold high standards for availability, security, and PCI compliance.
- Collaborate across Platform, Fraud, Order Management, Loyalty, Pricing/Discounting, Shopper (for payouts), and Instacart+ (for subscriptions) to support nuanced flows like post-order changes, substitutions, partial captures, and disbursements.
- Manage external relationships with PSPs and card networks—driving performance reviews, negotiating favorable terms, running vendor evaluations, and ensuring SLAs and compliance are consistently met.
Required Qualifications
- 6+ years of product management experience, including 3+ years focused on payments, ecommerce, or financial platform products.
- Proven track record optimizing payment stacks at scale, including improving authorization rates, reducing processing costs, and integrating or scaling multi-PSP platforms.
- Hands-on experience delivering core payments capabilities such as routing and retries, tokenization/vaulting, 3DS/payer authentication, chargebacks/disputes, and refunds/partial captures.
- Proficiency with data and experimentation (e.g., SQL and analytics tools) to define KPIs, diagnose issues, and drive A/B tests or holdouts that inform product decisions.
- Demonstrated success working cross-functionally with engineering, operations, finance, legal, and compliance, as well as externally with PSPs and card networks.
- Working knowledge of PCI DSS, card network rules, and regional payments regulations and privacy standards.
- Bachelor's degree in business, engineering, computer science, or a related field; equivalent practical experience considered.
Preferred Qualifications
- Experience building for multi-sided marketplaces and/or core platform domains such as order management systems, loyalty programs, pricing/discounting, fraud prevention, or subscription models.
- Familiarity with EBT SNAP, HSA/FSA, wallets, BNPL, and local payment methods across international markets.
- Experience managing PSP/vendor relationships, advocating for product needs, and negotiating commercial terms.
- Background supporting payouts/disbursements for contractors or shoppers and related reconciliation flows.
- MBA or advanced technical/strategy degree.
Required Skills
- Product management
- Payments optimization
- Multi-PSP platforms
- Routing and retries
- Tokenization/vaulting
- 3DS/payer authentication
- Chargebacks/disputes
- Refunds/partial captures
- SQL and analytics tools
- A/B testing
- Cross-functional collaboration
- PCI DSS
- Card network rules
- Regional payments regulations
Benefits
- Highly market-competitive compensation
- New hire equity grant as well as annual refresh grants
- Flex First remote work policy
- Regular in-person events
Locations
- United States, United States (Remote)
Salary
Estimated Salary Rangemedium confidence
220,000 - 400,000 USD / yearly
Source: ai estimated
* This is an estimated range based on market data and may vary based on experience and qualifications.
Skills Required
- Product managementintermediate
- Payments optimizationintermediate
- Multi-PSP platformsintermediate
- Routing and retriesintermediate
- Tokenization/vaultingintermediate
- 3DS/payer authenticationintermediate
- Chargebacks/disputesintermediate
- Refunds/partial capturesintermediate
- SQL and analytics toolsintermediate
- A/B testingintermediate
- Cross-functional collaborationintermediate
- PCI DSSintermediate
- Card network rulesintermediate
- Regional payments regulationsintermediate
Required Qualifications
- 6+ years of product management experience, including 3+ years focused on payments, ecommerce, or financial platform products. (experience)
- Proven track record optimizing payment stacks at scale, including improving authorization rates, reducing processing costs, and integrating or scaling multi-PSP platforms. (experience)
- Hands-on experience delivering core payments capabilities such as routing and retries, tokenization/vaulting, 3DS/payer authentication, chargebacks/disputes, and refunds/partial captures. (experience)
- Proficiency with data and experimentation (e.g., SQL and analytics tools) to define KPIs, diagnose issues, and drive A/B tests or holdouts that inform product decisions. (experience)
- Demonstrated success working cross-functionally with engineering, operations, finance, legal, and compliance, as well as externally with PSPs and card networks. (experience)
- Working knowledge of PCI DSS, card network rules, and regional payments regulations and privacy standards. (experience)
- Bachelor's degree in business, engineering, computer science, or a related field; equivalent practical experience considered. (experience)
Preferred Qualifications
- Experience building for multi-sided marketplaces and/or core platform domains such as order management systems, loyalty programs, pricing/discounting, fraud prevention, or subscription models. (experience)
- Familiarity with EBT SNAP, HSA/FSA, wallets, BNPL, and local payment methods across international markets. (experience)
- Experience managing PSP/vendor relationships, advocating for product needs, and negotiating commercial terms. (experience)
- Background supporting payouts/disbursements for contractors or shoppers and related reconciliation flows. (experience)
- MBA or advanced technical/strategy degree. (experience)
Responsibilities
- Own the global payments roadmap and strategy across authorization, routing, retries, tokenization, chargebacks/disputes, and refunds/partial captures, with clear KPIs for conversion, cost, latency, and reliability.
- Design and scale a multi-PSP platform, including smart routing, failover, experimentation frameworks, and performance monitoring to continuously improve auth rates and reduce processing costs.
- Expand payment methods in the US and internationally, including wallets, local payment methods, EBT SNAP, HSA/FSA, and other emerging options, ensuring compliance with regional and network requirements.
- Partner closely with engineering (working with approximately 10–20 engineers) to define PRDs, scope systems, manage delivery timelines, and uphold high standards for availability, security, and PCI compliance.
- Collaborate across Platform, Fraud, Order Management, Loyalty, Pricing/Discounting, Shopper (for payouts), and Instacart+ (for subscriptions) to support nuanced flows like post-order changes, substitutions, partial captures, and disbursements.
- Manage external relationships with PSPs and card networks—driving performance reviews, negotiating favorable terms, running vendor evaluations, and ensuring SLAs and compliance are consistently met.
Benefits
- general: Highly market-competitive compensation
- general: New hire equity grant as well as annual refresh grants
- general: Flex First remote work policy
- general: Regular in-person events
Tags & Categories