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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 Salary Range - gross per month (ranges may vary based on skills and experience) €7.300—€8.800 EUR 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.

Senior / Lead iOS Engineer

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 As an iOS Engineer at Flo, you'll help shape the mobile experience for millions of people, and do genuinely meaningful work in women's health. Our app is trusted by 1 in 4 women aged 18–44 in the US and used across 100+ countries, with machine learning and AI powering accurate cycle predictions and personalised, medically credible health insights. We build large-scale mobile applications with rich, intuitive interfaces - optimised for speed, accessibility and privacy. You'll join a cross-functional team working across the full mobile lifecycle, from feature ideation through to release and iteration, with real ownership over value delivery end to end. We're not a feature factory. Our engineers are pragmatic problem-solvers who thrive in fast-moving environments and care about what they ship. You'll have genuine scope to experiment, lead ambitious product initiatives and implement solutions that matter - not just clear a backlog. Flo is a constantly evolving product, and we give our engineers the trust and autonomy to evolve it. Your Experience Must have: * 6+ years in software engineering, with at least 3 years focused on building, shipping, and maintaining production mobile applications. * Expert-level iOS development skills, with a proven track record of delivering high-quality apps at scale. * Hands-on experience building complex mobile applications with rich, performant UIs — experience in global consumer-facing products is a strong plus. * Deep proficiency in Swift; working knowledge of Objective-C and solid object-oriented design principles. * Strong familiarity with Apple's ecosystem — frameworks, HIG guidelines, and end-to-end App Store submission and maintenance processes. * Clear understanding of the mobile product lifecycle and comfortable working within Agile teams. * A collaborative, growth-oriented mindset with the drive to take ownership and deliver. Nice to have: * Solid understanding of UX and interaction design principles, with the ability to collaborate effectively with designers and advocate for quality user experiences. * Proven experience optimizing mobile app performance over constrained networks, including building and maintaining offline-first architectures. * Hands-on experience with mobile CI/CD pipelines, including build automation, automated testing, and release workflows. * Experience integrating with BI and analytics platforms, with familiarity in designing and interpreting A/B tests to drive product decisions. What you'll be doing You'll be responsible for: * Building and maintaining features using modern frameworks, libraries, and internal component systems, ensuring consistency, scalability, and code quality across the codebase. * Delivering polished, engaging user experiences that balance visual appeal with intuitive interaction design. * Owning and contributing to a robust Continuous Delivery pipeline, ensuring fast, reliable, and safe releases to production. #LI-Hybrid #LI-AJ1 Salary Range - gross per month (ranges may vary based on skills and experience) €6.500—€8.500 EUR 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.

Product Designer

TransferGo

TransferGo is a growing fintech scale-up on a mission to champion financial freedom with care. We strive to provide tailored, more affordable financial services that make people's hard-earned money go further. Now in our 14th year, with close to 400 employees in offices across Europe and the UK, we’re crafting a brilliant, relevant product that makes a difference in people's lives and the well-being of their families.  We’ve come this far by building a talented, diverse workforce on a fair culture and our strong values. Having this strong team of employees, we can serve those who really need our product to make their lives better.  Join us as a Product Designer and help shape the way money moves across the globe. You’ll be part of a smart, collaborative team focused on user activation, and the SME side of our business—designing experiences that are intuitive, impactful, and built to scale. Working closely with Product Managers, Data Analysts, Product Marketing, and fellow Designers, you’ll play a key role in crafting user journeys that drive real business outcomes and customer value. If you’re excited to make a meaningful impact in the fintech space, push the boundaries of what technology can do, and work alongside a team of curious, ambitious minds—we’d love to meet you. Here’s what you’ll do as a Product Designer: * Design and deliver thoughtful, user-centered end-to-end user experiences across web and mobile, from concept to launch * Translate product requirements into clear, elegant UX/UI solutions that solve real user problems * Collaborate with cross-functional teams—Product, Engineering, Data, and Marketing—to shape strategy and define user needs * Use research, experimentation, and data to inform design decisions and continuously improve the user experience. Communicate ideas and test hypotheses * Contribute to our design system by building reusable components and ensuring visual and functional consistency * Participate in design critiques and help foster a culture of feedback, learning, and shared ownership * Stay close to our users—understand their needs, pain points, and behaviors—and advocate for them in every design conversation You’ll report to our Director of Product Design. What you’ll bring: * 2–4 years of experience designing consumer-facing digital products, ideally in cross-functional product teams * A strong portfolio showcasing user-centered design solutions across web and/or mobile * Solid interaction and visual design skills, with attention to detail and consistency * Fluency with modern design tools (like Figma) and familiarity with design systems * Comfort working through the full design process—from research and ideation to execution and iteration * AI design fluency (at least basic knowledge) * Ability to build and organise design artefacts (flows, journey maps, wireframes, mockups, prototypes, specifications, related documentation); * Ability to communicate design decisions clearly and collaborate with a variety of stakeholders * Curiosity, empathy, and a drive to deeply understand user needs * A mindset of continuous learning, feedback, and improvement * Fluent English language skills And if you can also do this stuff, even better:  * Experience designing for fintech, SaaS, or other complex, data-heavy products * Comfort working across the full product lifecycle—from discovery and definition to delivery and iteration * Confidence in running usability tests, user interviews, or co-creation workshops * Hands-on experience contributing to or shaping a design system * Comfort making sense of ambiguity and bringing clarity to messy problem spaces What we believe At TransferGo, we offer competitive rewards to all people. We know that recognition is about more than just money, and we’ve fostered a culture of kudos to shine a light on the great work throughout the business, and the people making it all happen. We hold regular in person events to connect with each other and help all our TransferNauts to grow with a generous training allowance. We believe that empowering people makes for a happier and more effective workforce. This means we enable anyone who wants to pursue initiatives that deliver real value for our migrant customers.  What We Offer: * Competitive Salary: Starting from €3,100 - €4,660 (gross) per month, depending on experience. * Comprehensive Benefits: Including a generous holiday allowance, competitive healthcare insurance, and a wellbeing package from day one. * Annual Development Budget: €1,000 to invest in your personal and professional growth. * Hybrid Working Environment: Flexibility to work from home and in the office, with most team members in the office two days a week. * Pet-Friendly Office: If you’re near one of our offices, bring your furry friend along! * Inclusive Culture: Regular in-person events, fostering a strong sense of community and collaboration. * Empowerment and Ownership: We believe in empowering our people to take initiative and drive meaningful change. At TransferGo, we are committed to the equal treatment of all current and prospective employees. We will not tolerate discrimination on the basis of age, disability, sex, sexual orientation, pregnancy and maternity, race or ethnicity, religion or belief, gender identity,  marriage, civil partnership or any other protected category. We are proud of our diverse and inclusive culture and we strongly encourage suitably qualified applicants from a wide range of backgrounds to apply and join TransferGo. We look forward to meeting you! Please note that all data collected will be handled in accordance with our candidates privacy policy (https://www.transfergo.com/privacy-policy/overview) and will only be used for the purpose of evaluating your candidacy. The data will be securely stored and deleted according to retention timeframe set in the candidates privacy policy. If you have any questions or concerns regarding this, please feel free to reach out by replying or via dpo@transfergo.com