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