Senior Product Manager, Authorization Optimization

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

📋 Description

• Take ownership of the authorization optimization roadmap from start to finish: establish priorities, sequence delivery, make trade-offs, and clearly communicate the plan and its rationale.

• Assess where Signifyd should build, orchestrate, collaborate, or directly influence issuers.

• Create comprehensive technical specifications, user stories, and acceptance criteria, while managing the engineering backlog effectively.

• Define and refine APIs, data models, and integration points that connect merchants, PSPs, issuers, and Signifyd.

• Identify, assess, and cultivate partnerships with PSPs, gateways, acquirers, issuers, and technology or data providers.

• Develop issuer/BIN intelligence that covers authorization performance, decline patterns, and the effectiveness of treatment strategies.

• Lead issuer-specific decision-making related to step-ups, 3DS, decline recovery, and intelligent retries; guide routing for merchants using multiple PSPs or acquirers.

• Collaborate with data science on risk-aware decisioning requirements, balancing the need for approval gains with fraud and chargeback risks.

• Be accountable for measurable authorization improvements and recovered revenue for merchants; showcase impact through merchant proofs of value and issuer/BIN-level reporting.

• Work in partnership with sales, solutions, and customer success teams to integrate merchant feedback and facilitate adoption.

• Stay updated on card network regulations, rules, and industry practices.

⛳️ Requirements

• Over 5 years of experience in a product management role, including responsibility for a roadmap and full delivery cycle.

• Practical experience with payments products that cover issuer authorization behaviors, with a strong grasp of decline recovery, retries, 3DS, PSD2/SCA frameworks (including the forthcoming transition to PSD3/PSR), and demonstrated enhancements in authorization performance.

• Proven track record in writing detailed technical specifications and defining APIs or data interfaces in collaboration with engineering teams (experience with backend or high-volume transaction systems is a plus).

• Strong analytical capabilities, comfortable working with transaction-level data and defining success metrics.

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

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

• Excellent written and verbal communication skills suitable for both technical and non-technical audiences.

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

• Preferred: Familiarity with fraud, risk, or digital identity products, including the balance between false declines and fraud losses.

• Preferred: Experience in defining requirements for machine learning-driven decisioning.

• Preferred: Understanding of 3DS/EMVCo, tokenization, ISO 8583, and PSD2/SCA.

• Preferred: Experience with B2B SaaS or enterprise e-commerce merchants.

🏝️ Benefits

• 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

• Signifyd Swag