At a Glance
- Tasks: Lead product strategy for Direct Debit and alternate payments in a dynamic fintech environment.
- Company: Join Xplor Technologies, a leader in innovative payment solutions.
- Benefits: Enjoy flexible working, paid parental leave, and mental health support.
- Other info: Be part of a diverse team that values innovation and collaboration.
- Why this job: Make a real impact on the future of payments while working remotely.
- Qualifications: 3+ years in product management with a focus on fintech and payments.
The predicted salary is between 72000 - 88000 £ per year.
Xplor Technologies powers the experiences at the heart of everyday life.
Through modern vertical software, embedded payments, and AI-powered capabilities, we help businesses in fitness, recreation, golf and club, field services, laundry, education, and othermembership-based andservice-basedindustriessimplify operations, uncover insights, and elevate customer and member experiences.
About the opportunity
Xplor Pay is building the payments infrastructure of the future — embedded, intelligent, and designed for the verticals we serve.
As Product Manager for Direct Debit & Alternate Payments, you will own the end-to-end product strategy and execution for our UK (Bacs) and EU (SEPA) Direct Debit rails, while simultaneously leading our expansion into Open Banking, account-to-account (A2A), and emerging payment methods across the UK and European markets.
What You'll Do
- Direct Debit Product Ownership (UK & EU)
- Own and evolve the product roadmap for Bacs Direct Debit (UK) and SEPA (EU), balancing merchant experience, operational efficiency, and regulatory compliance.
- Reduce failure rates, improve reconciliation flows, and drive down cost-per-transaction through product-led initiatives.
- Partner with Compliance and Legal to ensure adherence to UK FCA rules, EU PSD2/PSD3, GDPR, and scheme rules from Bacs, SEPA, and Pay. UK.
- Work with the Commercial team to package and price Direct Debit as a competitive embedded payment option for Xplor's vertical Saa S partners.
- Open Banking & Alternate Payments
- Lead the product development of Open Banking payment initiation (PIS) and account information (AIS) services under UK Open Banking standards and EU PSD2/PSD3 requirements.
- Define the roadmap for A2A payments, Variable Recurring Payments (VRP), and Request-to-Pay (Rt P) as these rails mature in the UK and EU.
- Evaluate and integrate alternate payment methods (e. g., i DEAL, Bancontact, SEPA Instant, Pay To equivalents) relevant to Xplor's merchant base.
- Roadmap & Strategy
- Define quarterly and annual plans for the Direct Debit and Alternate Payments portfolio; maintain and communicate a rolling 12-month roadmap.
- Conduct competitive analysis across incumbent acquirers, neo-banks, and specialist payment providers operating in UK/EU markets.
- Present strategy, progress, and investment cases to the Embedded Payments executive leadership team.
- Delivery & Stakeholder Management
- Drive agile delivery with cross-functional squads — engineering, design, data, and QA — using clear PRDs, user stories, and acceptance criteria.
- Build strong relationships with external scheme operators, banks, and open banking infrastructure providers.
- Serve as the internal centre of excellence on UK/EU payment rails — educating sales, customer success, and commercial teams.
- Monitor product health via dashboards covering transaction volumes, failure rates, settlement times, and revenue contribution.
- AI-Augmented Product Practice
- Embed AI tools into every stage of the product lifecycle: use LLMs for rapid synthesis of merchant interview transcripts, competitor teardowns, and PRD first drafts; use AI coding assistants to prototype flows and validate API responses without full engineering overhead.
- Champion AI adoption within the Embedded Payments product team — document effective prompting patterns, share workflows, and help upskill peers.
- Use AI-powered analytics tools to monitor performance dashboards, surface anomalies in transaction data, and generate plain-language summaries for stakeholder updates.
- Stay current with the evolving AI tooling landscape relevant to product management — proactively evaluate and propose new tools that can increase team velocity.
This role is fully remote across the UK, with occasional meet-ups at our Newcastle office. You must have full working rights.
What would make me a good candidate?
We are looking for curious and empathetic people.
We also love to hear from people who are motivated by meaningful work, resonate with our four core values, have a positive outlook, are comfortable with ambiguity and thrive working in an ever-evolving and complex environment.
We are inspired by meeting big picture thinkers and doers, people who can be both tactical and strategic, aim high and put people first in everything they do.
Required Technical Skills & Experience
- 3+ years of product management experience in fintech, payments, or financial services.
- Deep hands-on knowledge of Bacs Direct Debit (UK) — scheme rules, mandate management, AUDDIS/ARUDD processing, indemnity claims.
- Solid understanding of SEPA Direct Debit, payment rails, and EU clearing cycles.
- Demonstrated experience with Open Banking — either as a PM building PIS/AIS products or in a closely adjacent commercial or technical role.
- Fluency in PSD2, PSD3 (in progress), and UK Open Banking regulatory frameworks.
- Track record of shipping B2B or embedded payment products from discovery through to production at scale.
- Excellent written and verbal communication — able to write crisp PRDs, present to executives, and explain complex payment flows to non-technical stakeholders.
- Strong commercial instinct: comfortable with unit economics, pricing models, and revenue forecasting.
Desirable
- Experience with Variable Recurring Payments (VRP) or Request-to-Pay (Rt P) in the UK.
- Exposure to SEPA Instant Credit Transfer (SCT Inst) or SEPA Payment Account Access (SPAA).
- Familiarity with GDPR data handling requirements as they apply to payment data.
- Prior experience in a scale-up or multi-market fintech environment.
At Xplor, we believe the best innovation and ideas happen at the intersections of our differences — across cultures, generations, disciplines and lived experiences.
So even if you do not tick every box, we still encourage you to apply.
Values and Life at Xplor
Our five core values guide us from how we hire and recognise our team members to how we interact with our customers day to day:
- Find a better way
- Do the right thing
- Say it straight
- Win together
- Own the outcome
If these values sound like you and describe people you want to work with, you will thrive at Xplor.
As an Xplorer, you will be part of a global network of talented colleagues who will support your success.
We look for commonalities and shared passions and give people the tools they need to deliver great work and grow at speed.
Some of our perks and benefits are
- Paid Parental Leave benefit programs
- #Give Back Days/Commitment to social impact – 3 extra days off to volunteer and give back to your local community
- Ongoing dedication to Diversity & Inclusion initiatives such as D&I Council, Global Mentorship Program
- Access to free mental health support
- Flexible working arrangements
- More about us
More than 130,000 businesses in 72+ countries rely on Xplorto run their day and get paid, processing over $47 billion in payments annually.
Ourconnected ecosystemhelps operators spend less time managing complexity and more time delivering the experiences that matter most.
Xplorisbacked by world-class investors Advent International, Battery Ventures, and Silver Lake.
Good to know
To be considered for employment, you must be legally authorised to work in the location (country) you're applying for.
Xplor does not sponsor visas, either at the time of hire or at any later time.
EEO and Artificial Intelligence
We believe in transparent hiring.
We use an applicant tracking system that includes artificial intelligence enabled features to assist with the screening and assessment of job applications, such as candidate scoring or ranking.
These tools support our recruitment process, but all hiring decisions are made by our recruitment team following human review.
We do not rely on artificial intelligence to make final hiring decisions.
Find our Candidate AI Usage guidelines here.
Xplor is dedicated to attracting, retaining and developing our people regardless of gender identity, ethnicity, sexual orientation, disability and age.
Applications are encouraged from all sectors of the community.
We make it a priority to respond to every applicant.
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Product Manager - Direct Debit & Alternate Payments in England employer: Xplor
At Xplor, we pride ourselves on being an exceptional employer that champions personal and professional growth within a collaborative and supportive work culture. Our commitment to employee development is evident through unparalleled learning opportunities, flexible work arrangements, and a strong focus on mental health support, making it an ideal environment for those looking to thrive in their careers while contributing to meaningful technology solutions for small and medium-sized businesses across the UK, Australia, and New Zealand.
StudySmarter Expert Advice🤫
We think this is how you could land Product Manager - Direct Debit & Alternate Payments in England
✨Tip Number 1: Tap Into Professional Networks
The finance world loves a good connection, so jump into industry-specific groups on platforms like LinkedIn where you can find discussions on financial controlling. Engaging in these communities can expose you to hidden job leads that aren't openly advertised!
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Consider writing articles or sharing insights related to financial controlling or industry trends. Publish these on platforms like LinkedIn to establish yourself as a knowledgeable player in the field. This not only increases your visibility but also catches the attention of recruiters from Xplor.
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We think you need these skills to ace Product Manager - Direct Debit & Alternate Payments in England
Some tips for your application 🫡
Show Off Your Numbers Game:In financial controlling, detail is everything! Make sure your CV showcases your proficiency with numbers—highlight any relevant experience in budgeting, forecasting, or working with financial software. Quantifying your past achievements will make you stand out, so don’t be shy about flaunting those impressive percentages or cost savings you've implemented.
Tailored Cover Letter is Key:Your cover letter is a chance to shine, especially for a full-time role. Use it to express your genuine interest in Xplor and the specific impact you hope to make in financial controlling. Mention any relevant qualifications or experiences that align with the company’s goals, and don’t forget to show that you're ready for a long-term commitment!
Certifications Matter:List relevant certifications such as ACCA or CIMA on your CV. These qualifications not only showcase your dedication to the field but also your technical competence in financial principles. If you have any ongoing training or courses, make sure to mention those as well to demonstrate your commitment to continual learning in financial controlling.
Don’t Overlook Soft Skills:While numbers are crucial, so are those soft skills! Financial controllers need strong communication and analytical reasoning abilities. We recommend embedding examples of these skills in your CV and cover letter, like how you’ve successfully delivered financial reports to stakeholders or collaborated with teams to improve processes. Let’s show Xplor how you can be a team player!
How to prepare for a job interview at Xplor
✨Brush Up on Technical Skills
Make sure you're comfortable with key financial concepts, especially around forecasting, budgeting, and variance analysis. Sometimes, interviewers may throw in technical questions or case studies, so practicing these types of scenarios will help you shine!
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If you've had experience with specific financial software like SAP or Oracle, make it known! Be ready to discuss how you used these tools to improve processes or reporting, as this hands-on knowledge can really set you apart in a full-time role with Xplor.
✨Know Your Numbers
In full-time interviews, especially in financial controlling, be prepared for numerical reasoning tests or questions. Brush up on your mental maths and understand how to interpret and analyse financial statements on the spot, as this may come up during the assessment.
✨Connect with Company Goals
Familiarise yourself with Xplor's financial objectives and any recent developments. During the interview, try to weave your understanding of their business model and challenges into your answers—this shows your genuine interest and alignment with their goals!
