Senior Product Manager - Payments

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.

Your Experience

• Must have:
• 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.

Read our privacy notice for job applicants.

Annual Salary Range: £92,000 – £115,000 GBP