Product Owner - Checkout & Payments

Who are OnBuy?

OnBuy are an online marketplace who are on a mission of being the best choice for every customer, everywhere. We have recently been named one of the UK's fastest-growing tech companies in the Sunday Times 100 Tech list. All achievements we are very proud of, but we don't let that go to our head. We are all laser focused on our mission and understand the huge joint effort ahead of us needed to succeed.

Working at OnBuy:

We are a team of driven and motivated people who thrive when working at pace. To succeed at OnBuy you need to take charge and fully own your responsibilities, rolling your sleeves up when needed to 'get it done'. Working at OnBuy you are surrounded by so much opportunity, but you must possess the ability to stay focused and prioritise ruthlessly. Most importantly, you will thrive in an ever-changing environment as we are constantly evolving. At OnBuy, you're not just a number or another cog in a machine. We are creating something really special, and you have the opportunity to affect meaningful change and have your voice heard. We are a close team, who have the opportunity to learn and grow as OnBuy evolves.

About the Role

• Own the end-to-end buyer journey from basket through to successful order placement across multiple brands and markets, ensuring checkout is fast, trusted, resilient, and commercially effective across 21 markets.
• Checkout & Payments is critical to conversion and international growth, covering basket, account creation, payment methods, alternative payment methods (APMs), wallets, payment performance, local payment preferences, fraud considerations, currency and localisation requirements, translated buyer-facing journeys where required, and the customer experience of completing a purchase with confidence across multiple brand and market contexts.

Product Strategy and Vision

• Define and own the product vision and roadmap for basket, checkout, account creation, payment methods, APMs, wallets, payment performance, and payment localisation across multiple brands and markets, aligned to company strategy and business goals.
• Translate buyer friction, payment data, market performance, payment method gaps, APM suitability, operational needs, risk considerations, local payment preferences, language and currency needs, and commercial priorities into clear problem statements, user stories, and measurable outcomes.
• Continuously prioritise and refine the backlog based on conversion impact, payment success, APM coverage, customer trust, operational efficiency, brand priorities, local market needs, and business value.

Delivery and Execution

• Work closely with engineering, QA, design, data, risk, finance, international, customer service, payment partners, acquiring partners, and PSPs to deliver high-quality checkout and payment experiences across brands and markets.
• Lead sprint planning, reviews, and backlog refinement to maintain clarity, alignment, and focus for your squad.
• Balance delivery speed with long-term scalability, technical health, payment reliability, APM scalability, compliance requirements, currency and language localisation, brand consistency, and operational efficiency.
• Focus on outcomes over outputs, ensuring delivery directly improves checkout conversion, payment success, trust, and business value across multi-brand and international market journeys.

Customer and Stakeholder Engagement

• Champion the voice of the customer using checkout analytics, payment insight, customer feedback, and research to inform decision-making.
• Partner with commercial, operations, finance, risk, customer service, marketing, international teams, localisation stakeholders, and payment providers to ensure alignment and adoption of new features across brands and markets.
• Communicate product performance, progress, risks, trade-offs, and impact against goals and key metrics clearly and consistently across all levels.

Data and Outcomes

• Define clear goals and key metrics for checkout conversion, payment authorisation, payment failure rate, payment method uptake, APM adoption, drop-off, fraud/risk outcomes, order completion, and performance by brand and market.
• Use analytics and insight to measure performance, track progress, identify friction, and prioritise opportunities for improvement across multi-brand and 21 market experiences.
• Make evidence-based decisions combining data, customer feedback, operational insight, partner input, and experimentation.
• Continuously iterate to improve checkout speed, payment choice, local market relevance, buyer confidence, resilience, and satisfaction through data-driven learning.

Requirements

• Proven experience as a Product Owner or Product Manager in a digital, eCommerce, marketplace, fintech, payments, multi-brand, multi-market, or SaaS environment.
• Familiarity with Agile tools such as Jira and Confluence and BI tools such as Looker Studio, GA4, payment analytics, or similar.
• Experience in Checkout Optimisation, Payments & APMs, Localisation & Market Readiness, Conversion & Funnel Analytics.
• Strong understanding of Agile delivery, backlog management, and cross-functional squad leadership.
• Excellent communication and stakeholder management skills, able to influence without authority across technical, commercial, finance, risk, and operational teams.
• The confidence and curiosity to act as the subject matter expert and go-to contact for checkout and payments across the buyer journey, brands, and markets.
• A focus on measurable outcomes with a clear ability to link checkout and payment improvements to conversion, order completion, and commercial impact.
• You are a strategic thinker who simplifies complexity and drives delivery at pace. You combine a commercial mindset with empathy for customers and a collaborative approach to problem-solving. You treat your product like your own business, taking ownership of its growth, performance, and success. You take pride in delivering exceptional experiences and have a hunger to drive impact through innovation, precision, and continuous improvement.

Desirable Experience

• Checkout Optimisation: Experience improving basket, checkout, account creation, delivery, payment selection, and order completion journeys.
• Payments & APMs: Strong understanding of card payments, digital wallets, alternative payment methods, authorisation rates, payment failures, refunds, payment method routing, local payment preferences, and payment provider integrations across multiple markets.
• Localisation & Market Readiness: Experience shaping checkout and payment experiences for multiple countries, including currency, language, translated content, local payment expectations, legal/compliance constraints, and market-specific conversion barriers.
• Conversion & Funnel Analytics: Ability to use drop-off data, payment performance, experimentation, and customer behaviour insight to identify and prioritise improvements.
• Risk, Trust & Compliance Awareness: Appreciation of fraud, chargebacks, customer trust, regulatory considerations, and operational controls within checkout and payments.

Benefits

The salary on offer for this role is up to £75000 per annum depending on experience. We also offer the following benefits:

• Company Equity - In return for helping us to grow, we’ll offer you company equity, meaning you own a piece of this business we are all working so hard to build.
• 25 days annual leave + Bank Holidays
• 1 extra day off for your Birthday
• Employee Assistance Programme
• Perks at Work benefit platform
• Opportunities for career development and progression

This role is UK remote or Hybrid if you live near our Manchester or Bournemouth's offices. You must have the right to live and work in the UK to be considered. We are unable to provide sponsorship for this role.

Our Commitment

OnBuy is an equal opportunities employer. We are dedicated to creating a fair and transparent workforce, starting with a recruitment process that does not discriminate on the basis of gender, sexual orientation, marital or civil partnership status, pregnancy or maternity, gender reassignment, race, colour, nationality, ethnic or national origin, religion or belief, disability, or age.

Just a heads up — we never use WhatsApp or any messaging apps to contact candidates. If someone reaches out this way, it isn’t us and let the recruitment team know.