Payments Optimization Product Manager

This is a fully remote position, open to applicants in United States.

📋 Description

• Lead the subscription and payments platform while optimizing its performance.

• Manage platform migrations, retry and dunning strategies, authorization and decline rate performance, gateway routing, failover processes, chargeback systems, and revenue recovery from involuntary churn.

• Detect issues in payment data, hypothesize alterations, and draft engineering requirements.

• Oversee the complete retry and dunning strategy, which includes retry cadence, recovery lifecycle, handling of hard versus soft declines, and the entire failed-payment cycle within Scentbird businesses.

• Take ownership of decline and authorization rate performance at the processor, gateway, region, and BIN levels.

• Transform analysis into actionable routing, retry, or fraud rule modifications.

• Develop execution processes that maximize safety while facilitating rapid changes, logging, analysis, and management.

• Manage the payments operating cadence, which encompasses failed-payment queues, decline and authorization rate monitoring, and gateway health assessments.

• Act as the initial responder when there is a decline in payment performance.

• Maintain recovery metrics and baselines, including dunning recovery rate, authorization rate, chargeback rate, and payment cost as a percentage of processed volume.

• Oversee authorization-rate levers such as account updater, network-token coverage, retry timing, and failover coverage for customer-initiated transactions.

• Collaborate with Financial Systems, CX, CRM, and Retention teams to synchronize dunning messaging, billing waves, fulfillment, and CX capacity.

• Regularly present payment performance reports to Product, Finance, and leadership teams.

• Define the evolving requirements for the payments and billing platform.

⛳️ Requirements

• Over 7 years of experience in payments, billing, or subscription operations at a recurring revenue business, with direct responsibility for dunning, retry, or authorization rate outcomes.

• Profound understanding of 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.

• Practical configuration experience in a subscription billing platform and with a gateway or PSP.

• Proficiency with BI tools and the ability to generate reports that identify problems and opportunities.

• Capability to write clear requirements for engineers, including success metrics and acceptance criteria, and to advocate for prioritization.

• Strong measurement skills, including the ability to demonstrate the effectiveness of retry or routing changes and differentiate genuine improvements from seasonality, mix shifts, or a successful month.

• Experience with multi-brand, multi-currency, and multi-country operations.

• Skilled in utilizing AI agents and LLMs for synthesis, pattern discovery, red teaming, and automating routine tasks, while ensuring cardholder data remains within compliance boundaries.

• Awareness of margins and the ability to assess trade-offs among recovered payments, fraud rules, and false declines.

• Comfort with ambiguity and the ability to influence without authority across Engineering, Financial Systems, CX, and CRM teams.

• Experience working in a PCI-DSS Level 1 environment is advantageous.

• Familiarity with reconciliation, settlement, or ERP-side finance work is a plus.

• Background in subscription businesses involving physical goods, logistics, or inventory constraints is a plus.

• Only overseas, non-U.S. applicants will be considered; domestic U.S. applications will not be accepted.

🏝️ Benefits

• Competitive base salary.

• Bonus program.

• Paid Time Off.

• Work From Home flexibility.

• A dynamic, creative, and energetic work atmosphere.