Senior Product Manager - B2B Payments

AppZen•San Jose, CA

1d•Onsite

About The Position

AppZen is a leader in autonomous spend-to-pay software, utilizing patented artificial intelligence to process information from numerous data sources for enterprise spend analysis and decision-making. The company's solutions integrate with existing accounts payable, expense, and card workflows to read, understand, and make real-time decisions based on a company's unique spend profile, aiming to reduce processing times and prevent fraud or wasteful spending. AppZen's invoice, expense, and card transaction solutions are used by global enterprises, including a third of the Fortune 500, to automate manual finance processes and enhance business agility. The company values candidates who actively use AI tools to boost productivity, automate tasks, and solve problems efficiently. This specific role focuses on defining how AppZen integrates with external payment infrastructure providers, enabling customers to transition from approved financial obligations to completed, reconciled payments. The position involves identifying and selecting partners, managing integrations end-to-end, and designing a payment experience that complements an AI-driven finance workflow. The ideal candidate has prior experience in this area, understands the payments landscape, can evaluate providers, navigate complex integrations, and bring an enterprise-grade payments capability to market.

Requirements

5+ years of product management experience, including meaningful time focused on payments, fintech, or payment infrastructure
Direct, hands-on experience building or integrating B2B payment capabilities into a software product
Experience evaluating and selecting payment processors, banks, networks, or other payment infrastructure providers
Experience taking at least one payment product or integration from concept through production launch
Strong understanding of core payment lifecycle concepts — authorization, settlement, reconciliation, and exception handling
Comfortable working directly with engineering and provider technical teams on complex, API-driven integrations
Strong product judgment, including the ability to make build-versus-partner decisions
Excellent written and verbal communication skills, with the ability to work effectively across cross-functional teams

Nice To Haves

Experience with cross-border or multi-currency payment infrastructure
Background at a payment processor, card issuer, bank, or embedded finance/payments platform
Experience integrating payments with ERP, AP, procurement, or expense systems
Bachelor's degree or equivalent experience

Responsibilities

Define the product strategy for extending AppZen's platform into payments, including which capabilities to own directly versus provide through partners
Develop a deep understanding of the payment infrastructure landscape and identify, evaluate, and select the external providers AppZen integrates with
Build the evaluation criteria used to select payment partners, spanning capability, reliability, security/compliance, and commercial terms
Own payment integrations end-to-end, partnering closely with engineering and provider teams from architecture through production
Design the end-to-end payment experience — from an approved financial obligation through execution, monitoring, and reconciliation
Define how AI-driven automation extends safely into payment execution, working within enterprise controls such as authorization, approval thresholds, and fraud prevention
Translate complex enterprise payment requirements into product capabilities that scale across customers rather than one-off implementations
Partner with Engineering, Legal, Compliance, Sales, Customer Success, and Marketing to take new capabilities from concept through customer adoption