Director, Product Management, Card Not Present Payments

Fiserv•Sunnyvale, CA

About The Position

The Director, Product Management, Card Not Present Payments owns the strategy, roadmap, and global execution for Clover’s Card Not Present (CNP) payments portfolio. The portfolio includes e-commerce APIs and integrations, payment links, invoicing, recurring billing, alternative payment methods, authorization optimization, fraud management, dispute automation, and payment system compliance. The role supports Clover’s omni-channel strategy and is responsible for growing merchant accounts, processing volume, and high-margin revenue while delivering seamless digital payment experiences. The Director leads a team of product managers and collaborates with engineering, product design, marketing, developer relations, sales channels, and other teams. The position develops product strategy and multi-year roadmaps, guides product development from ideation through launch, supports global expansion, and helps commercialize Clover’s CNP capabilities. It also oversees product KPIs, customer and market research, compliance planning, and team development.

Requirements

At least 8 years of product management experience, including at least 5 years dedicated to card-not-present payments, e-commerce, or payment gateway platforms.
At least 5 years of people management experience.
Deep knowledge of developer APIs, RESTful web services, and mobile SDKs for e-commerce integration.
Thorough understanding of the online payments ecosystem, including acquirers, gateways, fraud management, and PCI compliance.
Strong analytical and commercial instincts, including comfort with market sizing, cost-benefit tradeoffs, build/buy/partner decisions, and business case development.
Excellent cross-functional leadership and ability to align engineering, design, sales, operations, and commercial teams around a shared roadmap.
Bachelor’s degree required.
Ability to travel domestically up to 10% of the time, depending on business needs.

Nice To Haves

Proven experience with major e-commerce platforms and shopping cart integrations, such as Shopify, WooCommerce, or Magento.
Familiarity with alternative payment methods, including Pay by Bank, digital wallets, and Buy Now Pay Later solutions.
Experience with SMB or merchant-facing products.
International product experience in EMEA, APAC, or LATAM.
MBA or engineering background.

Responsibilities

Develop a CNP product strategy aligned with Clover’s mission, business priorities, vertical markets, and growth targets.
Create a product vision and multi-year roadmap across Clover’s e-commerce, mobile, and API/SDK products.
Identify emerging online payment trends and technologies, including alternative payment methods, to drive competitive differentiation.
Define the e-commerce integration and developer partner strategy across key platforms and third-party developer solutions.
Develop a strategy to migrate legacy merchants from legacy gateways and drive new merchant acquisition.
Represent the CNP product team in executive reviews, partner negotiations, and strategic planning cycles.
Lead the end-to-end product development lifecycle from ideation through launch, ensuring timely, high-quality delivery of secure and scalable online payment capabilities.
Understand Clover’s target merchant segments and translate their needs into CNP product roadmaps.
Collaborate with engineering, architecture, and design teams to define technical requirements and payment API/SDK specifications.
Manage semi-annual card brand compliance mandates, PCI requirements, and regional payment and security rules.
Plan global CNP expansion across international markets, incorporating localized payment methods and regulatory standards.
Translate product delivery into measurable revenue growth, high-margin transaction volume, and improved authorization rates.
Partner with product marketing, commercialization, sales channels, and developer relations to train sales teams and educate the market on Clover’s CNP capabilities.
Support third-party developers building on Clover e-commerce APIs in collaboration with developer outreach and partner teams.
Conduct market and user research into merchant and consumer pain points and the competitive landscape.
Analyze customer feedback, operational data, decline rates, fraud rates, and other data to identify improvement opportunities.
Deliver secure, compliant, and reliable payment experiences that support customer satisfaction and retention.
Foster data-informed decision-making based on target merchant needs and organizational financial goals.
Manage and develop a high-performing team of product managers focused on CNP product lines and core platforms.
Define and track product KPIs, including CNP processing volume, authorization rates, platform uptime, API adoption, and merchant retention.