Senior Product Manager, Authorization Optimization
New
J
JobgetherPayments, digital commerce
Remote work opportunity within the United States.Full-TimeSenior
SalaryAnnual base salary by U.S. pay zone: Tier 1 – New York City, San Francisco Bay Area, and Seattle: $165,000–$205,000. Tier 2 – Washington, D.C. Metro, Austin, Chicago, Denver, Boston, Los Angeles, and San Diego: $155,000–$195,000. Tier 3 – All other U.S. locations: $145,000–$185,000.
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Job Details
- Experience
- At least 5 years of product management experience
- Required Skills
- Product ManagementRESTful APIs
Requirements
- At least 5 years of product management experience, including ownership of product roadmaps and end-to-end delivery.
- Hands-on experience developing payments products and deep understanding of issuer authorization behavior and payment performance optimization.
- Strong knowledge of decline recovery, intelligent retries, 3D Secure, and PSD2/SCA frameworks, including the transition to PSD3/PSR.
- Demonstrated success improving authorization performance and approval rates for legitimate transactions.
- Experience writing technical specifications and defining APIs, data models, or integration interfaces with engineering teams.
- Familiarity with backend systems or high-volume transaction processing environments.
- Strong analytical skills, including working with transaction-level data, defining performance metrics, and quantifying business impact.
- Experience collaborating with data science or analytics teams and translating insights into product requirements.
- Ability to influence and align cross-functional stakeholders without direct reporting authority.
- Strong written and verbal communication skills for explaining complex technical concepts to technical and non-technical audiences.
- Preferred: experience at a payment processor, PSP, acquirer, card network, issuer, or fraud and risk technology provider.
- Preferred: experience with fraud prevention, risk management, digital identity, machine-learning-driven decisioning, 3DS/EMVCo, tokenization, ISO 8583, or B2B SaaS and enterprise e-commerce.
Responsibilities
- Own the authorization optimization roadmap from strategy through delivery, prioritizing initiatives and communicating decisions to stakeholders.
- Determine whether to build internal capabilities, orchestrate existing solutions, develop partnerships, or engage directly with issuers to improve authorization performance.
- Create technical specifications, user stories, and acceptance criteria, and manage the engineering backlog.
- Define APIs, data models, and integration interfaces for authorization and decline data across merchants, PSPs, issuers, and the platform.
- Develop partnerships with PSPs, payment gateways, acquirers, issuers, and technology or data providers.
- Build and maintain issuer- and BIN-level intelligence on authorization performance, decline patterns, and treatment effectiveness.
- Quantify recoverable revenue opportunities and prioritize high-impact optimization initiatives.
- Drive issuer-specific decisioning strategies across authentication step-ups, 3D Secure, decline recovery, intelligent retries, and payment routing.
- Partner with data science teams on risk-aware decisioning requirements that balance approval rates, fraud exposure, and chargeback risk.
- Measure authorization improvements and recovered merchant revenue through proofs of value and issuer/BIN-level reporting.
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