Principal Product Manager, Payments

Role Overview

We're looking for an experienced Principal Product Manager to lead the strategy and execution of the payments platform and experiences that help drive the accelerated growth we’ve experienced across our Grading and Marketplace business lines, including our and Digital Repacking product (Power Packs).

Money movement sits underneath nearly everything Collectors does. Every grading submission, vault transaction, marketplace sale, consignment payout, among other transactional experiences relies on a payment stack that has to be fast, resilient, cost-effective and compliant across a growing number of business models and expanding globally. This role will own that stack outright: how funds come in, how funds go out, how they are routed and how customers see and control their money in our products.

You will work with stakeholders across our Marketplace and Grading business lines, Finance and Treasury, Legal, Compliance, Risk, as well as other Product and Tech partner teams, with regular exposure to the executive team.

What You'll Do

• Own the payments strategy and roadmap. Set a multi-year direction for the payment platform that serves today's revenue lines and anticipates the ones we haven't launched yet. Sequence platform investment against near-term business commitments and defend those tradeoffs with executives.

• Build a wallet that customers can use across our products and platforms. Own balance and activity views, top-up, withdrawal, and split-pay, turning stored value from a settlement mechanism into a reason customers choose us.

• Take payments international. Deliver the payment, currency, and local method capabilities, partnering with Tax and Legal on registration, reporting obligations including DAC7, and market-by-market compliance.

• Run money-in and money-out end to end. Acquiring, alternative payment methods, payouts, settlement, funding patterns, and reconciliation, including the ledger and reporting foundation Finance depends on for accurate, timely close.

• Drive orchestration and cost optimization. Own multi-PSP routing, least-cost routing, failover and redundancy, retry and decline strategy, and network-level economics. Treat authorization rate and cost per transaction as products you are accountable for, not metrics you report on.

• Partner internally with Risk and Fraud teams to reduce payment fraud and dispute loss, transaction screening, chargeback and dispute workflows, and the approval-rate-versus-loss tradeoff.

Who You Are

• 8+ years in product management, with deep payments or consumer fintech experience. You have owned production payment systems at meaningful scale, not adjacent surfaces. Senior IC experience at a high-growth marketplace, fintech, or platform company is preferable. 

• Fluent in the payments stack. Card networks and interchange, gateway and PSP integrations (Stripe, Adyen, Braintree, or comparable), tokenization, 3DS and SCA, alternative and local payment methods, payouts, and dispute lifecycles. You know where the money and the failure modes actually live.

• Experienced in cross-border payments. You have launched payments into new countries and navigated currency, local methods, and regulatory and tax reporting requirements with Legal and Compliance partners.

• Experience with a marketplace, where pricing, promotions, and payment mechanics all pull on the same supply-and-demand levers.

• Rigorous and decisive under ambiguity. You use data and experimentation where they apply, make high-conviction calls where they don't, and take full accountability for the outcome.

• A clear communicator who builds alignment without authority. You compress complexity for executives and hold the line on detail with the teams building it.

• Nice to have: Strong on financial operations. You have built or materially improved ledger, settlement, and reconciliation systems, and you have worked shoulder to shoulder with Accounting through close.

Salary Range: The salary range for this position is $190,000 – $300,000. Actual compensation on this range varies based on a variety of non-discriminatory factors, including location, job level, prior experience, and skill set. This role may be eligible for bonuses, commissions, or other forms of compensation, please ask your recruiter for details.

Reasons To Join Us:

• Health Insurance:All full-time employees are eligible to enroll in Medical, Dental, and Vision

• Additional Benefits:Full-time employees are eligible for fertility, commuter, and educational assistance benefits.

• 401(K) Matching Plan:We are proud to offer a competitive 401k matching plan to our employees to support their future financial goals

• Vacation:All salaried employees are eligible for flexible time-off.

• Holiday Pay:All regular, full-time employees are eligible for ten company paid holidays

• Employee Discounts:Employees receive discounts on select grading services for approved submissions

• Flexible Hours:Many of our teams offer flexible schedules with varying shifts and will work with you to accommodate your needs

• Fun Working Environment:Our team members are invited to participate in celebrations, holiday events, and team building activities