Senior Product Manager, Authorization Optimization

Signifyd

1d•$145,000 - $205,000•Remote

About The Position

Signifyd is seeking a Senior Product Manager to own its authorization optimization product area, where payments and fraud decisioning intersect. The role is responsible for improving authorization rates for legitimate transactions by setting strategy, prioritizing high-value opportunities, and driving delivery across existing capability teams. This is a hands-on, technical product role. The Senior Product Manager translates strategy into precise requirements, defines data and API interfaces connecting Signifyd with merchants, payment service providers, and issuers, and represents product in architecture discussions. The role works closely with engineering and data science, as well as go-to-market teams that bring products to merchants. The position owns the authorization optimization roadmap end to end, including delivery planning, partnerships, issuer/BIN intelligence, issuer-specific decisioning, measurable authorization uplift, and merchant adoption. It also requires staying current on card network rules, regulation, and industry practices.

Requirements

5+ years in a product management role, including ownership of a roadmap and end-to-end delivery.
Hands-on payments product experience spanning issuer authorization behavior, with a deep understanding of decline recovery and retries, 3DS, PSD2/SCA frameworks (including the upcoming transition to PSD3/PSR), and demonstrated improvements in authorization performance.
Experience writing detailed technical specifications and defining APIs or data interfaces in partnership with engineering; backend or high-volume transaction systems experience is a plus.
Strong analytical skills, with comfort working from transaction-level data and defining success metrics.
Experience working closely with data science or analytics teams and translating insights into product requirements.
Proven ability to influence cross-functional stakeholders without direct authority.
Clear written and verbal communication with technical and non-technical audiences.

Nice To Haves

Experience at a payment processor, PSP, acquirer, card network, issuer, or fraud/risk vendor.
Exposure to fraud, risk, or digital identity products, including the false-decline versus fraud-loss tradeoff.
Experience defining requirements for ML-driven decisioning.
Familiarity with 3DS/EMVCo, tokenization, ISO 8583, and PSD2/SCA.
B2B SaaS or enterprise e-commerce merchant experience.

Responsibilities

Own the authorization optimization roadmap end to end: set priorities, sequence delivery, make tradeoffs, and communicate the plan and its rationale to leadership, engineering, and go-to-market teams.
Determine where Signifyd should build, orchestrate, partner, or influence issuers directly, informed by issuer behavior, merchant needs, and regional payment dynamics.
Write detailed technical specifications, user stories, and acceptance criteria, and manage the backlog with engineering.
Define and evolve the APIs, data models, and integration points through which authorization and decline data flows between merchants, PSPs, issuers, and the platform.
Identify, evaluate, and develop partnerships, such as with PSPs, gateways, acquirers, issuers, and data or technology providers, to expand coverage and deliver measurable merchant value.
Build issuer/BIN intelligence covering authorization performance, decline patterns, and treatment effectiveness; maintain a quantified opportunity map to prioritize recoverable revenue.
Drive issuer-specific decisioning across step-ups, 3DS, decline recovery, and intelligent retries; inform routing where merchants have multiple PSP or acquirer options.
Work with data science to define requirements for risk-aware decisioning that balances approval gains against fraud and chargeback exposure.
Own measurable authorization uplift and recovered merchant revenue, and demonstrate treatment impact through merchant proofs of value and issuer/BIN-level reporting.
Partner with sales, solutions, and customer success to bring merchant feedback into the roadmap and support adoption.
Stay current on card network rules, regulation, and industry practice, and use that knowledge to sharpen requirements.