4+ years of product management experience in payments, fintech, or related fields
8+ years of overall professional experience with a strong focus on risk and fraud prevention
Proven ability to simplify complex risk problems into structured components for product solutions
Technical fluency for collaboration on API design and data security
Experience leading cross-functional teams and initiatives
Strong analytical skills to drive product decisions with data
Excellent communication skills for diverse technical audiences
Responsibilities
Drive product strategy to reduce payment risk through innovative solutions
Own and enhance bank account verification processes for reliable real-time checks
Automate customer onboarding workflows to streamline payment processes
Define strategies for seamless transaction management between buyers and vendors
Implement currency localization for multi-currency payment support
Collaborate with engineering and design to produce high-quality payment features
Benefits
Start-up equity
Comprehensive health, vision, and dental coverage
Catered meals provided for office employees
Commuter benefits available
Regular team-building events and happy hours
Flexible paid time off (PTO) policy
Provision of Apple equipment and home office budget
Full Job Description
Your Role
As a Principal Product Manager on the Payments team, you will own the systems and strategy that power Zip's global payments infrastructure and make Zip the safest and most seamless way to pay vendors across tens of billions in annual spend. You will drive product development across the payments platform -- including bank integrations, payment provider partnerships, payout management, and payment routing -- as well as payment controls covering risk and fraud prevention, bank account verification, payment onboarding, currency management, and payment compliance. You will partner closely with Engineering, Design, Payment Operations, and cross-functional teams to deliver reliable, scalable payment infrastructure, proactively mitigate payment fraud, ensure smooth and secure payment onboarding, and manage payment compliance with confidence at enterprise scale.
You Will
Own the payments platform strategy and roadmap, including direct bank integrations, payment provider partnerships, and payment routing infrastructure that supports tens of billions in annual volume across 40+ currencies and 130+ countries
Drive the product strategy and roadmap to reduce payment risk -- including Zip's AI-powered fraud detection system that flags risky invoices directly to customers
Own bank account verification- expanding provider coverage, increasing geographic reach, and ensuring reliable real-time verification across customer segments.
Lead payments onboarding automation - building customer-facing workflows that reduce manual operational overhead and accelerate go-live.
Define product strategy for payment method management to help buyers and vendors transact seamlessly, including multi-provider support and payout group management.
Lead payments platform modernization -- expanding payment rails and payout capabilities, improving payment cycle times, and ensuring enterprise-grade reliability at scale.
Drive currency localization across Zip - enabling customers to support multi-currency workflows across all payment surfaces.
Collaborate deeply with engineering and design to define requirements, provide product direction, make tradeoffs, and deliver high-quality, enterprise-grade payment capabilities.
Qualifications
6+ years of product management and 10+ years of overall professional experience; experience working on payments infrastructure, fintech, bank integrations, risk/fraud, or financial compliance is a requirement.
Ability to break down complex payment and risk problems into structured components and deliver clear product recommendations.
Technical fluency with the ability to partner effectively with engineering on integration architectures, API design, payment processing systems, and data-driven risk systems.
Ability to lead cross-functional initiatives, influence without authority, and drive alignment across engineering, design, operations, and customer-facing teams.
Strong analytical skills and comfort using data to drive product decisions, measure fraud metrics, and evaluate risk model performance.
Exceptional written and verbal communication skills, with the ability to tailor messaging to diverse technical and non-technical audiences.
Bias to action, comfort with ambiguity, and the ability to thrive in a fast-paced, rapidly evolving environment.
Perks & Benefits
At Zip, we're committed to providing our employees with everything they need to do their best work.
Start-up equity
🦷 Full health, vision & dental coverage
Catered lunches & dinners for TO employees
🚍 Commuter benefit
🚠 Team building events & happy hours
Flexible PTO
Apple equipment plus home office budget
About Zip Co
Zip Co Limited previously known as ZipMoney Limited is an Australian public limited financial technology company. The company was founded in 2013 and is headquartered in Sydney. In September 2020, Zip acquired the US-based ‘Buy Now, Pay Later’ company Quadpay to grow its American footprint. The company now has operations in Australia, Canada, Czech Republic, India, Mexico, New Zealand, the Philippines, Poland, Saudi Arabia, Singapore, South Africa, UAE, the United Kingdom and the USA. It currently has around 81,000 retail partners and over 9,900,000 customers. As of March 2021, Zip Co's market cap was $5.83 billion.
