At a Glance
- Tasks: Lead the strategy and execution of Flo's payments platform across Web, iOS, and Android.
- Company: Join a mission-driven team at Flo, focused on health and innovation.
- Benefits: Competitive salary, performance incentives, paid leave, and professional growth opportunities.
- Other info: Collaborative hybrid work environment with a focus on diversity and inclusion.
- Why this job: Shape the future of payments in a high-impact role that drives global growth.
- Qualifications: Significant product management experience in payments and strong analytical skills required.
The predicted salary is between 92000 - 115000 £ per year.
We're looking for a Senior Product Manager (Payments) to own the strategy and execution of Flo's payments and subscription platform across Web, iOS, and Android. This is a high-impact, high-visibility role at the intersection of monetisation, platform, and operations, working closely with the VP of Product (Revenue) to shape the payment foundation that will support Flo's next stage of global growth.
You will work across Product, Engineering, Data, Finance, Legal/Compliance, Support, and commercial stakeholders to build payment experiences and platform capabilities that are reliable, scalable, compliant, and growth-oriented. Payments are a core part of Flo’s growth engine and a critical platform capability for the business. As we continue to scale globally, we need strong product leadership in this area to ensure our payment stack, subscription systems, and monetisation mechanics are robust, efficient, and ready for the next stage of growth.
As Senior Product Manager, Payments Platform, you will play a central role in shaping that foundation.
Your Experience
- Significant product management experience, with strong exposure to payments, billing, subscriptions, or financial platform products
- Deep understanding of online payment systems and subscription mechanics, ideally in a B2C subscription or consumer app environment
- Experience with mobile subscription ecosystems, including Apple and Google billing environments
- Experience with web payment providers and billing platforms such as Stripe, Adyen, Braintree, RevenueCat, or similar
- Experience managing fraud and dispute processes, including chargeback mitigation and refund strategy
- Strong grasp of key payments concepts such as:
- Payment flows
- SCA / 3DS
- Tokenisation
- Issuer declines
- Retries and dunning
- Refunds and disputes
- Reconciliation
- Subscription lifecycle and entitlement logic
- Working knowledge of indirect tax compliance (VAT/GST) and how it intersects with subscription billing and multi-market operations
- Experience working closely with engineers on platform or infrastructure-heavy product areas
- Proven track record of delivering complex cross-functional initiatives in fast-paced environments
- Strong analytical skills and ability to use data to diagnose performance issues, evaluate trade-offs, and drive decisions
- Excellent stakeholder management, with the ability to work effectively across Product, Engineering, Data, Finance, Legal/Compliance, and Support
- Ability to balance strategic thinking with hands-on execution and operational detail
Nice to have:
- Experience building in-house billing capabilities or implementing payment orchestration layers
- Familiarity with tax determination platforms such as Avalara, TaxJar, or Vertex
- Experience defining payment flows for external partner programmes (e.g., sponsored access, partner perks, third-party app stores)
- Exposure to payment automation and AI applications in payments contexts (e.g., intelligent retry logic, decline prediction, dispute automation)
What you'll be doing
- Own the product roadmap for Flo’s payments and billing platform across Web, iOS, and Android
- Define and improve the end-to-end subscription and billing journey, including:
- Purchase and checkout flows
- Entitlement and receipt validation
- Renewals, retries, grace periods, cancellations, and refunds
- Payment failure recovery and dunning
- Partner with Engineering and Data to improve the performance and resilience of our payment stack, including:
- Acceptance rate optimisation
- Issuer decline analysis
- SCA / 3DS flows
- Tokenisation and retry logic
- Payment method coverage and routing
- Build the product capabilities, internal tooling, and automations required to support scalable and audit-friendly payment operations
- Work closely with Finance and Operations teams to improve reconciliation, reporting accuracy, and process efficiency
- Own the tax compliance product surface, working with Finance and Legal to ensure correct tax determination, indirect tax handling (VAT/GST), and compliance with marketplace facilitator obligations across our key markets
- Identify and drive monetisation opportunities linked to the payments experience, such as checkout optimisation, refunds strategy, pricing mechanics, promos, and payment method expansion
- Lead fraud and dispute management strategy, including chargeback reduction, fraud detection tooling, and refund policy optimisation
- Establish clear frameworks for experimentation and decision-making, including A/B testing, KPI definitions, and performance dashboards
- Align stakeholders across multiple teams and functions, balancing growth, reliability, compliance, and user experience
- Act as the subject matter expert for payments and subscription platform topics within the product organisation
How we work
We’re a mission-led, product-driven team. We move fast, stay focused and take ownership – from brief to build to impact. Debate is encouraged. Decisions are shared. We care about craft, ship with purpose, and always raise the bar. You’ll be working with people who take their work seriously, not themselves. It takes commitment, resilience, and the drive to keep going when things get tough. Because better health outcomes are worth it.
What you'll get
- Competitive salary and annual reviews
- Opportunity to participate in Flo’s performance incentive scheme
- Paid holiday, sick leave, and female health leave
- Enhanced parental leave and pay for maternity, paternity, same-sex and adoptive parents
- Accelerated professional growth through world-changing work and learning support
- In-person collaboration and work in a hybrid model, with 3 days per week spent in the office
- 5-week fully paid sabbatical at 5-year Floversary
- Flo Premium for friends & family, plus more health, pension and wellbeing perks
Diversity, equity and inclusion
Our strength is in our differences. At Flo, hiring is based on merit, skill and what you bring to the role – nothing else. We’re proud to be an equal opportunity employer, and we welcome applicants from all backgrounds, communities and identities.
Annual Salary Range: £92,000 – £115,000 GBP
Senior Product Manager - Payments in London employer: FLO
Flo is an exceptional employer that fosters a dynamic and inclusive work culture, where innovation and collaboration are at the forefront. As a Senior Product Manager in Payments, you will have the opportunity to lead impactful projects that drive global growth while benefiting from competitive salaries, generous leave policies, and a commitment to professional development. With a focus on employee well-being and a supportive environment, Flo empowers its team members to thrive both personally and professionally.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Product Manager - Payments in London
✨Join Product Management Meetups
Get involved in local product management meetups or workshops. These events are perfect for meeting industry folks, sharing ideas, and staying updated on trends. Plus, you never know who might be hiring—it's a fantastic way to make connections that could lead to a job at places like FLO!
✨Show Off Your Product Sense
Create case studies or mini-projects showcasing your product management skills, and share them on platforms like Medium or LinkedIn. This not only puts your skills on display but also boosts your visibility in the product community. Imagine how impressed the hiring team at FLO would be by your initiative!
✨Utilise Online Communities
Dive into online product management communities like Product Coalition or Mind the Product. Engage in discussions, ask questions, and share your insights. These platforms are goldmines for networking and finding hidden job opportunities—many companies often scout talent from within these circles.
✨Leverage Your University Network
If you’ve recently graduated or are still in uni, tap into your alumni network for connections in product management. Many universities have their own job boards and affinity resources to help graduates land roles. Don't forget to keep an eye out for job openings at FLO through your school's career services!
We think you need these skills to ace Senior Product Manager - Payments in London
Some tips for your application 🫡
Show Off Your Product Passion:When applying for a product management role like Senior Product Manager - Payments, let your passion for developing products shine through in your cover letter. Share specific examples of products you've managed, how you solved user needs, and any successful outcomes you've achieved. This is your chance to showcase your understanding of the product lifecycle!
Highlight Your Cross-Functional Skills:Product management isn't just about understanding the product; it’s about collaborating with different teams! Make sure to emphasise your experience working with developers, designers, and marketers. Use your CV to showcase your ability to bridge gaps between these areas, and include relevant experiences that demonstrate your communication and leadership skills!
Include Your Metrics and Achievements:In a full-time product management application, data speaks volumes! Quantify your achievements wherever possible. Did you increase user retention by a certain percentage? Launch a product ahead of schedule? Include these metrics in your CV to paint a picture of your impact and effectiveness in previous roles.
Tailor Your CV to the Role:Make sure your CV is tailored for the Senior Product Manager - Payments position at FLO. Use keywords from the job description and ensure your relevant experiences are front and centre. Highlight any certifications or relevant training you’ve completed that will make you stand out as a strong candidate for the role. And remember, we’re excited to see your application on our website!
How to prepare for a job interview at FLO
✨Understand the Product Life Cycle
As a product management candidate, we need to get our head around the complete product life cycle. Be prepared to discuss real-world examples of how you’ve managed product development from ideation to launch. Bring specific insights on tools like JIRA or Trello that can help streamline these processes.
✨Showcase Your Cross-Functional Skills
Product management is all about collaboration. We should be ready to highlight how we’ve worked across teams—think marketing, engineering, and design. Prepare to discuss scenarios where you had to mediate differing opinions and how you got everyone on board with a shared vision.
✨Prepare for Case Studies
In a full-time role, we can expect to encounter case study questions during our interviews. Practise solving hypothetical product problems on the spot, such as prioritising features for a new app or improving user engagement metrics. This will show our analytical thinking and decision-making skills.
✨Know Your Metrics
Let’s face it, numbers are our best friends in product management. We should prepare to discuss key performance indicators (KPIs) and how we've used analytics to inform product decisions. Dive into examples where data has driven our strategy for improvements or justified product changes.
