The Job
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
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
You'll be responsible for:
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
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