SR Product Manager - Payments

Matrix Global•New York, NY

6d•Hybrid

About The Position

Matrix is seeking a Senior Product Manager, Payments with deep, hands-on experience building, managing, and scaling payment products and payment platform integrations. This role will own the strategy, roadmap, and execution of payment capabilities across the platform, including credit and debit cards, ACH, MoneyGram and other alternative payment methods, lockbox services, recurring/autopay, and online payments. The ideal candidate brings strong payments-domain expertise combined with senior-level product leadership, technical fluency, and the ability to drive complex initiatives across Product, Engineering, Architecture, Design, QA, Finance, Operations, Compliance, and external payment partners.

Requirements

Substantial hands-on experience with payment products, payment platforms, or payment processing ecosystems.
Understanding of both the customer-facing payment experience and the underlying technical and operational lifecycle.
Credit and debit card payments: authorization, capture, settlement, refunds, chargebacks/disputes, tokenization, and card-on-file.
ACH payments: account validation, payment initiation, returns, settlement timing, status management, and exception handling.
Alternative and cash payment methods: MoneyGram or comparable bill-payment and cash-payment networks.
Lockbox processing: remittance data, payment matching, exception management, posting, and reconciliation.
Digital payment experiences: one-time payments, scheduled payments, recurring payments, autopay, and stored payment methods.
Payment integrations: processors, gateways, banks, fintech partners, and payment networks using APIs, webhooks, batch files, or other transaction-processing mechanisms.
Payment operations: transaction lifecycle management, settlement reporting, reconciliation, troubleshooting, and resolution of payment failures or discrepancies.
Payment security and risk: understanding of fraud, risk, compliance, security, and payment-control considerations.
5+ years of Product Management experience, with significant ownership of complex software products or platforms.
Strong, demonstrated experience in payments, payment processing, fintech, banking technology, transaction platforms, or SaaS products with significant payment functionality.
Proven ability to own complex product initiatives from concept through delivery and make effective prioritization decisions across customer, business, technical, and operational requirements.
Strong understanding of the software development lifecycle and experience partnering closely with Engineering, QA, Architecture, Design, and other technical teams.
Experience creating clear PRDs, user stories, acceptance criteria, business rules, process flows, and launch plans.
Proficiency with JIRA and Confluence; experience with Figma or similar product/design collaboration tools.
Strong analytical and problem-solving skills, with the ability to work with transactional data, payment metrics, operational reporting, and root-cause analysis.
Excellent written and verbal communication skills, with the ability to explain complex payment and technical concepts to both technical and business stakeholders.
Demonstrated ability to lead through influence and collaborate effectively across multiple functions.

Nice To Haves

Experience with property management software, property technology, rent payments, resident payments, or real estate technology.
Experience working with multiple payment processors, acquiring banks, sponsor banks, gateways, or payment orchestration platforms.
Familiarity with PCI-related product considerations, NACHA/ACH operating concepts, fraud and risk tooling, and payment compliance requirements.
Experience modernizing legacy payment platforms or migrating payment integrations to modern APIs and architectures.
Experience building B2B2C or multi-tenant SaaS products, particularly where payment behavior varies by customer, property, account, or configuration.

Responsibilities

Own the payment product strategy, roadmap, prioritization, and execution across the platform.
Lead payment initiatives end-to-end, from discovery and requirements definition through development, testing, launch, and post-launch optimization.
Drive improvements across payment acceptance, conversion, reliability, settlement, reconciliation, refunds, reversals, returns, disputes, and customer payment experiences.
Manage and evolve integrations with payment processors, gateways, banks, payment networks, lockbox providers, MoneyGram and other fintech partners.
Partner with Engineering and Architecture to design scalable, secure payment workflows, APIs, data flows, integrations, and transaction-processing capabilities.
Collaborate with Finance, Operations, Support, and Compliance to ensure accurate settlement, reconciliation, reporting, controls, and operational processes.
Analyze transaction data, payment trends, customer feedback, support issues, and operational metrics to identify friction points and prioritize product improvements.
Translate complex payment requirements and technical constraints into clear product requirements, user stories, acceptance criteria, process flows, and business rules.
Lead cross-functional delivery using Agile/Scrum methodologies while maintaining visibility into scope, dependencies, risks, and launch readiness.
Serve as a payments subject-matter expert and establish product best practices across the organization.
Establish a clear and actionable payments product strategy and roadmap.
Deliver well-defined payment initiatives with strong cross-functional alignment.
Improve payment reliability, usability, operational efficiency, and customer experience.
Create greater visibility into payment performance, failure points, reconciliation issues, and optimization opportunities.
Effectively manage external payment partners while proactively identifying risks, dependencies, and integration challenges.
Become a trusted internal payments expert and help shape the platform's long-term payment strategy.