Senior Product Associate - Payment Processing

Unleash your expertise in product development and optimization by leveraging user research, analyzing metrics, and collaborating across one of the world's most innovative financial organizations.

As a Senior Product Associate in Payment Processing, you contribute to the team by leveraging your expertise in product development and optimization to make a significant impact, supported by user research and customer feedback to fuel the creation of innovative products and continuously improve existing offerings.

Collaborate closely with cross-functional teams and play a crucial role in shaping the future of our products and ongoing success.

As a Senior Product Associate - Payment Processing (Card Present & Card Not Present) in Acquiring Platforms & Rails, you drive product development and optimization across Card Present and Card Not Present payment channels, translating customer needs and payment performance insights into prioritized roadmaps and shipped capabilities.

Success looks like measurably higher authorization rates, lower fraud and chargebacks, resilient platform performance at scale, and clear alignment across product, engineering, risk, and commercial stakeholders to deliver end-to-end payment processing value globally.

Job responsibilities



* Partner with the Product Manager to define and deliver Card Present and Card Not Present product capabilities across in-store and digital commerce journeys


* Translate user research, client feedback, and merchant pain points into clear requirements, epics, and user stories with channel-specific acceptance criteria


* Drive adoption of network tokenization and Card Not Present authentication features such as 3D Secure 2 to improve approval rates and reduce fraud


* Coordinate integration of fraud screening and decisioning capabilities to balance customer experience, losses, and compliance requirements


* Plan and manage upstream and downstream impacts of new features on authorization routing, decline management, chargebacks, and reconciliation


* Monitor and improve key payment metrics including approval rates, transaction latency, decline rates, fraud ratios, and conversion outcomes


* Collaborate with card networks and external partners to support product changes, certification needs, and rule compliance across payment rails


* Partner with risk, compliance, and legal teams to ensure adherence to applicable standards and regulations including PCI-DSS and PSD2 where relevant


* Work with settlement and funding teams to support global settlement currency needs, funding flows, and operational readiness for new launches


* Support interchange and cost optimization initiatives by aligning product design, routing strategies, and network programs to business goals


* Communicate product trade-offs, launch plans, and performance results to stakeholders, maintaining clear documentation and decision logs

Required qualifications, capabilities, and skills

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