Your Experience
- 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
- 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
