Product Manager-Payments

Responsibilities

• Product Strategy & Roadmap
• Own and maintain the In Person Payments product roadmap, balancing short-term delivery with long-term strategic positioning.
• Define the SoftPOS and Hardware product strategy in alignment with the broader embedded payments vision.
• Identify market trends, competitor movements, and partner requirements to inform prioritisation.
• Contribute to the Xplor Embedded Payments global product strategy under the VP of Product.
• Discovery & Requirements
• Lead structured product discovery for SoftPOS and hardware payment flows, including tap-to-pay, contactless, and peripheral device management.
• Conduct merchant, partner (ISV/SaaS), and internal stakeholder interviews to surface unmet needs.
• Write clear, outcome-oriented PRDs, user stories, and acceptance criteria for engineering squads.
• Own problem framing and solution validation before committing engineering capacity.
• Delivery & Execution
• Work day-to-day with engineering squads (based globally) to ensure in-person payments roadmap items are delivered on time, with quality.
• Manage dependencies with payment scheme certifications (Visa, Mastercard), acquirer integrations, and hardware vendors.
• Define and track KPIs for In Person Payments: activation rates, TPV, transaction success rates, chargeback ratios, and NPS.
• Champion a test-and-learn culture - define experiments, interpret results, and iterate rapidly.
• Leverage AI product tools to accelerate discovery synthesis, PRD drafting, sprint planning, and competitive analysis - operating at a higher output cadence than a traditional PM.
• Commercial & Vendor Management
• Own commercial relationships with Key Injection Facility (KIF) and Deployment partners - managing SLA performance, pricing negotiations, scope, and capacity planning as terminal volumes scale.
• Own the In Person Payments hardware inventory model: work with Supply Chain and Finance to forecast demand, manage buffer stock levels, minimise write-off risk, and optimise working capital tied up in terminal inventory.
• Define and execute the GTM motion for In Person Payments - partnering with Commercial, Marketing, and Business Divisions to drive terminal attach rates, SoftPOS adoption, and in-person TPV growth.
• Build and maintain a pricing and commercialisation framework for hardware (outright sale, rental, and as-a-service models) that maximises revenue contribution from the In Person Payments line.
• Identify upsell and cross-sell opportunities within the existing merchant base - working with Business Units to convert card-not-present merchants to in-person payment acceptance.
• AI-Augmented Product Practice
• Embed AI tools into every stage of the product lifecycle: use LLMs for rapid synthesis of merchant interview transcripts, competitor teardowns, and PRD first drafts; use AI coding assistants to prototype flows and validate API responses without full engineering overhead.
• Champion AI adoption within the Embedded Payments product team - document effective prompting patterns, share workflows, and help upskill peers.
• Use AI-powered analytics tools to monitor In Person Payments performance dashboards, surface anomalies in transaction data, and generate plain-language summaries for stakeholder updates.
• Stay current with the evolving AI tooling landscape relevant to product management - proactively evaluate and propose new tools that can increase team velocity.
• Stakeholder & Partner Engagement
• Serve as the primary product contact for hardware vendor and SoftPOS SDK partner relationships.
• Work with commercial and business unit teams to support SaaS onboarding and in-person payments go-to-market.
• Present product updates and roadmap to senior leadership on a regular cadence.
• Required
• 3-6 years of product management experience, with at least 2 years in payments, fintech, or financial services.
• Demonstrable experience with In Person Payments - SoftPOS (Android/iOS Tap to Pay), POS hardware, or payment terminals.
• Strong understanding of payment flows: authorisation, settlement, reconciliation, and chargebacks.
• Experience working with payment schemes (Visa / Mastercard / local schemes) and acquirer/processor integrations.
• Proven ability to write high-quality PRDs, run discovery, and drive outcomes through cross-functional squads.
• Comfortable working in a globally distributed team (India + APAC + UK+ US) across time zones.
• Strong analytical skills - comfortable working with data

Benefits

Additional Information

As Product Manager - In Person Payments, you will own the discovery, definition, and delivery of Xplor's In Person Payments capabilities across both SoftPOS (Tap to Pay on Android/iOS) and physical hardware terminals. This is a pivotal role sitting at the intersection of payments infrastructure, partner integrations, and merchant experience. You will work closely with Engineering, Commercial, Design, and our ISV/SaaS partners to shape the future of how merchants accept payments in-person - across gyms, studios, childcare centres, and field service businesses globally.

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