Head of Product, Payment Optimisation in London

Are you passionate about using data, technology, and payments expertise to drive tangible customer value? We’re looking for an experienced and commercially minded Head of Product, Payments Optimisation to lead the evolution of our optimisation and orchestration products, scaling them to the next level. You’ll operate at the intersection of Product, Data Science, and Commercial teams, translating analytical insights into measurable business outcomes for our customers and for APEXX. This role is ideal for someone who enjoys connecting complex technical capabilities with commercial value, inspiring cross‑functional alignment, and ensuring optimisation becomes a core growth driver for the company. If you thrive on solving complex payment challenges, shaping intelligent optimisation products, and communicating value with clarity and conviction, we’d love to hear from you.

WHAT YOU'LL BE DOING

• Product Strategy & Commercial Ownership: Define and drive the long‑term strategy and roadmap for APEXX’s Optimisation and Orchestration suite, ensuring clear differentiation and customer value. Establish the commercial framework for optimisation, working with Finance, Sales, and Product Marketing to design value‑based pricing models. Lead the evolution of optimisation from a capability into a scalable product line, influencing its positioning, packaging, and monetisation. Provide thought leadership across the organisation on the role of AI and data‑driven optimisation in payments.
• Cross‑Functional Collaboration & Delivery: Partner with Engineering and Data Science to develop AI/ML‑powered optimisation features that improve authorisation, reduce cost, and drive measurable performance gains. Work closely with Sales, Relationship Management, and Marketing teams to articulate product value and support commercial success across the portfolio. Drive alignment across teams, ensuring strategic intent translates into customer‑ready, high‑impact product delivery.
• Customer Value, Growth & Commercial Enablement: Translate model performance and analytical insights into ROI‑focused, commercially compelling narratives for customers and internal stakeholders. Enable Sales and Relationship Managers to position and sell optimisation as a premium, value‑generating product. Be the subject‑matter expert on Interchange and Scheme fee pricing and optimisation opportunities. Partner with customers to identify where data, AI, and automation can unlock incremental efficiency, acceptance rates, or cost reduction. Contribute directly to upsell and cross‑sell opportunities, helping turn product performance into revenue growth.
• Product Excellence & Evidence Driven Decision Making: Define success metrics, experimentation frameworks, and governance around optimisation performance. Promote strong product management discipline — discovery, validation, delivery, and measurement — across optimisation workstreams. Use data and evidence to balance strategic ambition with operational focus, ensuring decisions are measurable and outcomes are sustainable.

ABOUT YOU

• You have demonstrable experience in Product Management within Payments, with a proven record of leading and scaling complex, data‑driven payment or financial products with clear commercial outcomes.
• You have deep understanding of payment transaction lifecycle, including authorisation, authentication (3DS), settlement, fraud, and chargebacks.
• You have detailed working knowledge of Interchange and Scheme fees and their application.
• You are commercially astute, able to craft value propositions and communicate financial impact confidently to senior and external audiences.
• You are a natural influencer who can inspire cross‑functional teams and align stakeholders around a common product vision.
• You are strategic yet hands‑on, capable of operating at both portfolio and execution level in a fast‑moving environment.

WHY JOIN US

You’ll help shape the future of payments optimisation at APEXX, building products that directly impact merchant performance and profitability. You’ll work with talented teams across product, data, and engineering, driving measurable improvements in one of the most dynamic spaces in FinTech. You’ll have the opportunity to shape the strategic direction of optimisation products and influence product management practices across the team.

PERKS & BENEFITS

• Health: Private Medical Insurance with AXA. Life Insurance 4x salary & 5 years' salary protection for critical illness.
• Holiday: 25 days holiday plus bank holidays. Additional paid holiday for your birthday (26 days). Holiday increases a day each year after 3 years and the option to carry 5 days holiday over to the following year.
• Work: We aim at bringing the team into the office three days a week. Our HQ is in the popular Fintech hub of Farringdon, London. We also give you the option of working 2 weeks a month abroad!

ABOUT APEXX

APEXX is a dynamic Fintech scale‑up founded in 2016 with the goal of creating cutting‑edge payment technology. Our vision is to be the payment industry's most merchant‑centric provider. Through our platform a merchant can connect via a simple API connection to the world’s payment ecosystem, increasing conversion at lower cost and satisfying their entire payments needs. We excel at bringing transparency, efficiency, and competition to the payments market. The team is incredibly committed and enthusiastic about what we are building — top‑of‑the‑class payments solutions and a valuable business. This is infectious and creates a wonderful office atmosphere. We have a supportive, relaxed yet high‑performing, and high‑trust culture.

APEXX is an equal opportunities employer committed to encouraging equality, diversity, and inclusion among our employees and eliminating discrimination. We do not accept speculative CVs or candidate profiles from Recruitment Agencies.