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Senior Product Manager, Account-to-Account Payments
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Senior Product Manager, Account-to-Account Payments
£80k - £90K + Bonus + Equity Options + an unreal team = a Fantastic opportunity
Location: London (Hybrid)
Type: Full-time
About the company
A fast-growing payments business on a mission to modernise recurring payments, building account-to-account (A2A) products across Open Banking, Variable Recurring Payments, Direct Debit and e-money on a scalable, robust core platform. It is one of the firms at the front of the UK's move to commercial VRP, helping shape a payment method the market is still building.
The role
You'll own the account-to-account payments portfolio, spanning collections (Direct Debit and Open Banking payments, including sweeping and commercial VRP) and e-money. You'll take Open Banking payments and VRP from pilot to a repeatable product, own the Direct Debit capability, and shape the product implications of the firm's e-money permissions. The components sit at very different stages, so deciding what comes first and defending that call is the core of the job. You'll also work hand in hand with the card-acquiring partner to deliver a full, end-to-end subscription re-billing product across A2A and cards. Reports to the CTO.
A note on what matters most: this is a heavily regulated environment, covering Bacs scheme rules, Open Banking standards, PSD2 and PSD3, and the safeguarding obligations that come with holding customer funds. The product set can be taught. The A2A domain and regulatory knowledge is the part that cannot, so that is what we need you to bring.
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What you'll own
- Strategy: own the roadmap across collections and e-money, sequence Direct Debit, VRP and e-money, and make explicit calls on what comes first. Anticipate scheme and regulatory change, from the commercial VRP rollout to PSD3 and wider UK payments reform.
- Open Banking and VRP: take VRP from pilot to a repeatable product. Validate merchant demand before building, realise value incrementally, and own the bank authorisation journey (completion rate, coverage and app-to-app behaviour) as a product problem. Own the A2A success metrics.
- Direct Debit: own collection performance end to end, from mandate setup through to reducing failed payments and revenue leakage, and own recovery, retries and dunning to cut involuntary churn.
- E-money: define what the e-money permissions unlock commercially, own the product side of account structure, reconciliation and safeguarding with finance, compliance and engineering, and connect it to collections through settlement timing and funds flow.
- Embed and grow: help embed A2A payments across the business and make the proposition more dynamic, owning it as the subject matter expert.
- Regulated delivery and partners: own the product side of Bacs scheme rules, the Direct Debit Guarantee and Open Banking standards, and work with sponsor banks, indirect access providers, Open Banking providers and Pay.UK to expand the capability and find product partnerships.
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What you'll bring
- 5+ years in product management, ideally in payments, fintech or account-to-account payments.
- The essential piece we cannot teach: strong domain and regulatory knowledge of Open Banking payment initiation and Variable Recurring Payments. Depth in one A2A area matters more than covering all of them, and Direct Debit, Bacs and e-money are things we will support you to pick up.
- Comfort in a regulated environment: you have worked to a scheme rulebook or a regulatory permission (Bacs, Open Banking, safeguarding), or can show clear evidence of getting on top of one quickly.
- Strong analytical acumen: you structure complex business problems into validated product initiatives using data, working closely with Data and BI teams.
- Market-validation experience: a track record of proving demand for something customers had not yet adopted, using experiments, merchant conversations and pre-defined metrics, plus the judgement to know when to stop validating and take a bet.
- Portfolio prioritisation: you have held more than one product line at once and made defensible calls between them.
- Stakeholder management: you influence senior stakeholders by presenting the problem and the data-driven recommendation, balancing platform stability against commercial growth.
The details
Location: London
Type: Hybrid
Reports to: Chief Technology Officer
Salary: £80,000 to £90,000
Benefits: Equity Options
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