Product Manager [Consumer Payments]

Senior Product Manager - Payments

Flo Health

500M+ downloads. 80M+ monthly users. A decade of building – and we’re still accelerating. Flo is the world’s #1 health & fitness app worldwide on a mission to build a better future for female health. Backed by a $200M investment led by General Atlantic, we became the first product of our kind to reach a $1B valuation in 2024 – and we’re not slowing down. With 7M paid subscribers and the highest-rated experience in the App Store’s health category, we’ve spent 10 years earning trust at scale. Now, we’re building the next generation of digital health – AI-powered, privacy-first, clinically backed – to help our users know their body better. 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 #LI-Hybrid #LI-AJ1 Annual Salary Range (ranges may vary based on skills and experience) £92,000—£115,000 GBP 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 We support impact with meaningful reward. Here’s what that looks like: * 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.

Forward Deployed Engineer

Ophelos

OUR MISSION At Ophelos, we believe in a different way to deal with debt. One that puts empathy and understanding front and centre, approaching our customers as individuals — no matter what they’re going through. For too long, people in debt have borne the brunt of poor industry practices. Intimidating tactics, time-consuming customer service and a one-size-fits-all approach that overlooks the reasons anyone can fall into debt in the first place. Meanwhile, businesses suffer too. Poor customer experience translates to poor customer satisfaction, high churn rates, bad brand reputation and ultimately missed opportunities. That’s why we’re taking a radically different approach. Pioneering an industry-first AI-native collections platform, we build products that help individuals clear their debts in a way that suits them, whilst providing businesses with an improved customer experience and game-changing insights into their customer base. Since our launch in 2021, we’ve worked with some of the UK’s leading companies, including Octopus, Scottish Power and Philips — helping millions of people move toward a more stable, debt-free future. In 2023, we were acquired by Intrum, Europe’s biggest credit management service and have begun the next phase in our growth — expansion into 17 European markets over the next two years. FORWARD DEPLOYED ENGINEER London-based with European travel (UK, France, Portugal and beyond) ABOUT THE ROLE Ophelos is at a pivotal moment. We've built a market-leading, AI-first debt resolution platform — and now we're deploying it at scale across Intrum's European business. As our Forward Deployed Engineer, you'll lead that effort. Intrum, our parent company and one of Europe's largest credit management businesses, manages debt on behalf of a wide range of merchant clients — retailers, telcos, financial institutions, and more — across multiple European markets. Your job is to onboard those clients onto the Ophelos platform: understanding their data, their business logic, their customer portfolios, and their contractual and regulatory context, and making sure Ophelos works correctly for each of them. Every client is different. They come with different data formats and quality standards, different definitions of what a debt case looks like, different regulatory obligations depending on their sector and market, and different expectations of how their customers should be treated. Your job is to absorb all of that, map it clearly, and translate it into a solution that works — at scale, across many clients, across multiple countries. This role sits at the intersection of solution architecture, technical consulting, and product partnership. You'll spend as much time in discovery conversations and design workshops as you will in configuration files and integration specs. You'll need to be equally credible with a compliance lead in Paris, a data engineer in Lisbon, and a product manager in London. WHAT YOU'LL DO Onboard merchant clients onto Ophelos Each client Intrum brings to Ophelos has its own data structures, business rules, and portfolio characteristics. You'll lead the technical onboarding — understanding their data, designing the ingestion and mapping layer, and ensuring Ophelos represents their cases accurately and operates correctly on their behalf. Navigate localisation and regulatory complexity Operating across European markets means dealing with materially different regulatory frameworks, debt collection norms, and consumer protection requirements — which vary by country, and sometimes by client sector. You'll develop deep fluency in what those differences mean technically, and design the configuration and solution patterns that allow Ophelos to serve each context correctly. Design solutions, not just integrations You'll translate complex, sometimes ambiguous client requirements into clean solution designs — mapping existing data structures, business logic, and operational processes to Ophelos's platform. This isn't just about getting data from A to B; it's about understanding the business intent behind every field and flow, and making sure nothing gets lost in translation. Own the data ingestion layer A significant part of this role involves designing and owning how each client's data arrives into Ophelos — in the right shape, with the right validation, from the right sources. You'll work across varying data formats, system conventions, and quality standards, and build patterns that make future onboarding progressively more efficient. Close the feedback loop You're Ophelos's eyes and ears in the field. When you encounter a recurring client need, a gap in our product, a bug that only surfaces in a specific market context, or a feature that would unlock onboarding for a whole segment of clients — you bring that back clearly and systematically. You'll log issues, articulate feature requests with context and business case, and act as a structured conduit between the real world and Ophelos's product and engineering teams. Build the onboarding playbook Document what you learn. Build reusable patterns, data mapping frameworks, and localisation guides that make each subsequent client onboarding faster and more predictable than the last. Use LLM tooling as a force multiplier Like all Ophelos engineers, you'll work in an AI-first way — using Claude Code, Codex, and OpenSpec to accelerate integration work, draft specs, and explore solutions faster than traditional approaches allow. THE OPHELOS PLATFORM You'll need to develop deep familiarity with our stack — not necessarily to build core features, but to understand its capabilities, constraints, and integration surface thoroughly: * Languages: TypeScript, Python, Ruby * Backend frameworks: FastAPI, Ruby on Rails * Data: PostgreSQL (via PlanetScale), Databricks * Workflow orchestration: Temporal * Financial ledger: TigerBeetle * Infrastructure: AWS, Kubernetes * Observability: Datadog * LLM tooling: Claude Code, OpenSpec, Codex ABOUT YOU You're a systems thinker with technical depth and strong commercial instincts. You've probably worked in fintech, financial services, or enterprise SaaS — in a role that required you to get inside a client's world, understand it thoroughly, and design solutions that actually fit. You might come from a solutions engineering, implementation consulting, or technical architecture background. What matters is that you're equally comfortable shaping a solution design and getting hands-on with the data or configuration to make it real. You're energised by variety — different clients, different markets, different problems — rather than unsettled by it. You'll likely have: * Experience in a solutions architect, forward-deployed engineer, technical consultant, or implementation lead role — ideally at a fintech, payments, or financial services company * Strong systems thinking: you naturally map business processes, data flows, and client-specific logic into coherent technical designs * Comfort with data — understanding schemas, transformation logic, validation rules, and ingestion pipelines at a practical level * Experience navigating regulatory or compliance requirements that vary across markets, sectors, or client types * The ability to communicate complex technical concepts clearly to non-technical stakeholders, and business context clearly to engineers * A structured approach to discovery: you ask good questions, document rigorously, and turn ambiguity into clarity * Willingness to travel regularly across Europe (primarily UK, France, and Portugal, with further markets to follow) Bonus points for: * Background in debt management, credit, collections, or payments — understanding the domain accelerates everything * Working knowledge of French * Experience onboarding multiple enterprise clients with divergent data models or business logic onto a shared platform * A track record of feeding structured product feedback from deployments back into a product organisation WHY THIS ROLE This is a rare opportunity to operate at the centre of a major European expansion — with real complexity, real stakes, and direct influence over how a genuinely impactful product gets adopted across a continent. You'll develop a breadth of domain knowledge, technical context, and stakeholder experience that's hard to find anywhere else. And you'll be helping Ophelos do what it exists to do: support households and businesses in breaking the cycle of problem debt. WORKING ARRANGEMENTS Based in London, with regular travel across Europe — primarily UK, France, and Portugal, with other markets to follow as the rollout expands. Ophelos operates on a hybrid model with three days per week in our office near Liverpool Street; during active client onboardings, on-site presence will be required. Ophelos is an equal opportunities employer. We are committed to building a diverse and inclusive team.   ABOUT OUR TEAM Ophelos launched in June of 2021, backed by investors such as AlbionVC, Connect Ventures and Fly Ventures. In 2023, we were acquired by Intrum, Europe’s biggest credit management service. Our growing team has team helped build some of the world’s most successful businesses, including the likes of Monzo, Google, Oracle, ASAPP, IBM and more — in addition to pioneering innovative products, sitting at the intersection of enterprise, financial technology, artificial intelligence and academia, working with institutions such as Oxford University, the University of Amsterdam and the University of Hong Kong. OUR VALUES Supporting customers and businesses to improve their financial health is a long-term mission. Our company values act as our north star, steering our every move as an organisation and are the backbone of our unique company culture. Our values and culture allow us to stay true to our larger purpose, even as we continue to grow at a rapid pace. Customers and Clients first – We exist to help real people move through debt and to get clients paid back. This commitment drives how we design products, deliver services, and interact with customers and clients daily. Dream big – We have ambition and drive to succeed - we’re not just raising the bar, we’re confidently asserting ourselves as the benchmark. Get it done – We’re decisive and embrace a sense of urgency; we don’t let opportunities get away from us. We’d rather act quickly and take informed risks, iterating and learning as we go.  Win as one - We work as one team, supporting each other and aiming for shared goals. At Ophelos, the team isn’t just individual departments - it’s all of us together.  We challenge and support each other because we care about everyone’s growth and success.  Ophelos is committed to creating a diverse work environment and is proud to be an equal opportunity workplace, providing equal employment and advancement opportunities to all team members. We are building an environment where every Ophelos team member can thrive, feel a sense of belonging, and do the best work of their careers. We value diversity and recruit, hire, and promote individuals solely based on talent, qualifications, competence, and merit. We evaluate candidates without regard to race, colour, religion, age, sex, sexual orientation, gender identity, national origin, disability, or other protected characteristics as required by law and as a matter of our company values. GDPR NOTICE  When you apply to a job on this site, the personal data contained in your application will be collected by Ophelos ("Controller"), located at 1 Finsbury Ave, London EC2M 2PF, and can be contacted by emailing support@ophelos.com. Controller's data protection contact is Kofi Barnes, who can be contacted at support@ophelos.com. This notice explains how we process your personal data throughout our recruitment process, including at the interview stage described below. Applying for a role with Ophelos is subject to the practices described in this notice — it is not a separate agreement you sign, but a description of how the recruitment process works. You won't be given a separate notice at each stage; Ophelos retains discretion over which of the described tools and processes are applied to any given application or interview, within the purposes set out below. This discretion does not extend to introducing automated decision-making without human review — that is addressed separately below. What we use your data for Your personal data will be processed for the purposes of managing Controller's recruitment-related activities, which include reviewing applications, setting up and conducting interviews and tests, evaluating and assessing the results, and as is otherwise needed in the recruitment and hiring process. As part of this process, we use software tools — including AI-assisted tools — to help us organise, screen, and evaluate applications and interviews. This includes: * Automated analysis of CVs and application materials to identify relevant skills and experience * Automated analysis of interview transcripts to help summarise and score responses (see "Interviews" below) * Generating scores, summaries, or insights to assist our recruiters Currently, these AI-assisted outputs are advisory only. A human recruiter reviews every application and every AI-generated score or summary before any decision is made, and no application is filtered out or rejected by an automated process alone. We may in future use automated tools to make, or take part in making, decisions about your application without human review at that stage, if we do so in a way that complies with applicable law at the time — for example, by obtaining your explicit consent, or where the decision is necessary for entering into a contract with you, and in either case only with appropriate safeguards, including your ability to request human review of, and to contest, that decision. If we intend to introduce this, we will update this notice and separately inform you before it applies to your application — this notice alone does not authorise it. We also use historical, aggregated recruitment data to improve our processes generally — for example, to better understand which factors tend to be associated with successful hires. Where this involves data from past applicants, it is anonymised or aggregated before use, and is not used to make any decision about a specific individual. Such processing is legally permissible under Art. 6(1)(f) UK/EU GDPR as necessary for the legitimate interests pursued by the Controller: the solicitation, evaluation, and selection of applicants for employment, and the improvement of Controller's recruitment processes. Interviews — recording and transcription If you're invited to an interview conducted by video or phone call, it will be recorded and automatically transcribed as a standard part of our recruitment process — this is described in this notice, which applies to your application as explained above. Where an interview is recorded: * The interview will be recorded and transcribed using our video-calling provider (Google Meet). * The transcript will be processed by AI tools (including models provided by Anthropic and Google) to help generate a summary and structured notes for the interview panel, and to help train and improve our own recruitment tools as described above. * The recording, transcript, and any AI-generated summary will be stored on Ophelos's systems (hosted via Cloudflare) and in Greenhouse. * A human interviewer/panel always reviews the AI-generated summary as part of forming their own assessment — it is a starting point for the panel, not a decision in itself. Recording and transcribing interviews in this way is necessary for us to evaluate all candidates fairly and consistently, and is carried out under our legitimate interests (Art. 6(1)(f) GDPR) in running a fair, well-documented recruitment process. Who we share your data with Your personal data will be shared with the following processors, engaged by Controller to help manage its recruitment and hiring process: * Greenhouse Software, Inc. — applicant tracking system (United States) * Google LLC — video interview hosting/recording (Google Meet), and AI models used to help analyse application and interview materials (United States) * Anthropic, PBC — AI models used to help analyse and summarise application and interview materials (United States) * Cloudflare, Inc. — infrastructure and data storage supporting our recruitment tools [confirm storage region before publishing] We use application and interview data, including through AI-assisted tools, to train and improve our own internal recruitment tools and models — for example, to refine how we identify relevant skills and experience, and to better understand what tends to be associated with successful hires. This is part of how we evaluate and improve our recruitment process on an ongoing basis. The third-party AI providers who process this data on our behalf do not use it to train their own general-purpose AI models — it is used only to generate the specific outputs described in this notice. International data transfers Because the above providers are located in or transfer data to the United States, if you are located outside the United States, your personal data will be transferred to the United States once you submit it or once your interview is processed. Where the European Commission has not made an adequacy determination covering such a transfer, it is subject to appropriate safeguards, including Standard Contractual Clauses and/or the EU-U.S. Data Privacy Framework where the recipient is certified. You can obtain a copy of the relevant safeguards by contacting support@ophelos.com. How long we keep your data Your personal data, including any interview recordings, transcripts, and AI-generated summaries, will be retained for the duration of the recruitment process and for 24 months afterwards, to allow us to consider you for other roles and manage any related legal claims, after which it will be deleted or anonymised. You can request earlier deletion at any time by contacting support@ophelos.com. Your rights Under the GDPR, you have the right to request access to your personal data, to request that it be rectified or erased, and to request that processing be restricted. You also have the right to data portability and the right to object to processing based on legitimate interests, including interview recording — though for the reasons explained above, we may not be able to progress an application where a candidate objects to standard recording of the interview stage. In addition, you may lodge a complaint with an EU or UK supervisory authority (in the UK, the Information Commissioner's Office).

Engineering Manager

Sumup

About the team: At SumUp, we're on a mission to bring merchants and consumers closer together and help local communities thrive. With SumUp Consumer, we're building a rewarding banking experience that connects people to the small businesses they love while enabling free transactions for our merchants. SumUp Consumer helps consumers manage their money with ease and get more from everyday spending. It offers seamless payment experiences and financial tools designed for modern life—spanning banking, cards, savings, and open banking. This is a high-impact Engineering Manager role where you'll lead a cross-functional team of backend, iOS, and Android engineers building the systems and experiences that power SumUp Consumer. You'll be responsible for the reliability, quality, and pace of delivery across features that consumers interact with every day—while growing a team that takes real ownership of what they ship. You'll work closely with Product and Design to turn ambitious ideas into production-grade products, and you'll help shape the technical direction of a consumer experience that's still defining itself. This is a role for someone who stays close enough to the technology to make good calls, and cares enough about people to make the team genuinely good at what they do.   What you’ll do: * Lead and build a high-performing team by coaching, mentoring, and supporting engineers in their growth and development. * Stay hands-on with technology—contributing to system design, reviewing code, and guiding technical decisions to ensure high-quality, scalable solutions. * Partner closely with Product and Design to define goals, translate user needs into technical solutions, and deliver impactful features. * Drive execution and delivery, balancing speed and quality while ensuring reliable and scalable backend systems. * Collaborate cross-functionally with engineering, product, and business teams to align priorities and make thoughtful trade-offs. * Shape the engineering culture by promoting best practices, ownership, and continuous improvement. * Advocate for the user, ensuring we build products that truly improve the experience for local merchants and consumers.   You’ll be great for this role if you have: * A strong backend or mobile engineering background, with hands-on experience building distributed systems, APIs, and scalable services. * Proven experience as an Engineering Manager (2+ years), with a track record of leading, mentoring, and growing high-performing engineering teams. * A hands-on mindset—you enjoy staying close to the code, contributing to technical decisions, and tackling complex challenges, not just managing from a distance. * Experience with modern technologies such as Go, Kotlin, Python, or similar, along with cloud-native environments (e.g., AWS, Docker, Kubernetes) or relevant mobile engineering tools. * A product-oriented approach, with the ability to make pragmatic decisions and thoughtful trade-offs in a fast-paced environment. * Strong communication skills, with the ability to bring clarity, alignment, and influence across both technical and non-technical stakeholders. * An empathetic leadership style, with a focus on team well-being, continuous feedback, and professional growth. * Adaptable and action-oriented, comfortable navigating ambiguity and shifting priorities with confidence.   Why you should join SumUp: * Opportunity to work with a truly global, multicultural team from our central London Bridge location, wrapped in historic charm and modern flair. This involves an office-first setup * Commitment to Diversity and Inclusion: be part of a workplace that values and promotes diversity, fostering an inclusive environment where everyone's perspectives are respected and embraced * Enrolment onto our VSOP program: you will own a stake in SumUp’s future success * Generous time off: enjoy 28 days of paid leave, plus bank holidays and special leaves * Health matters: Vitality health cover, including optical and dental * Life made easier: salary-sacrifice commuter benefits via Gogeta * Financial security: retirement scheme (SumUp matches 7% when you contribute 5%) * Peace of mind: life insurance from MetLife for 2× your salary * Break4me: 1-month sabbatical after 3 years of service * Referral Bonus: earn additional rewards by referring talented individuals to join the SumUp team   About us: Be empowered to do more that matters. At SumUp, we're on a mission to empower small businesses across the globe by providing simple and affordable tools that allow them to thrive. Today, over 4 million businesses in 36 markets rely on SumUp as their financial partner to manage payments, finance and customer relationships. Our commitment to small businesses is reflected in our diverse team of over 3,000 SumUppers from over 90 nationalities, united by global collaboration and an innovative mindset. Our core values lay the foundation for who we are and what we stand for, shaping our work culture and driving our success. We foster inclusivity and a continuous learning culture, providing a safe space for personal and professional growth. Our differences make us unique and strong as we strive to create an environment where everyone belongs and feels supported, no matter how they identify.  SumUp is proud to be an Equal Employment Opportunity employer, actively seeking and embracing diversity in our workforce. We don't make hiring or employment decisions based on race, colour, religion or religious belief, ethnic or national origin, nationality, sex, gender, gender identity, sexual orientation, disability, age or any other basis protected by applicable laws or prohibited by company policy. Our commitment extends beyond recruitment to creating a safe and respectful workplace where harassment of any form is strictly prohibited. Explore career opportunities with us and join a team driven by collaboration, innovation, and a shared vision of creating a world where everyone can build a thriving business. Discover more about our vibrant and inclusive work culture and how we work on our careers website, and follow our journey on LinkedIn and Instagram. Job Application Tip We recognise that candidates feel they need to meet 100% of the job criteria in order to apply for a job. Please note that this is only a guide. If you don’t tick every box, it’s ok too because it means you have room to learn and develop your career at SumUp.