Senior Product Manager - Payment Solutions

Overall Scope:

The Senior Product Manager - Payment Solutions will lead the strategy, development, commercialization, and lifecycle management of enterprise payment, loyalty, outdoor payment, and forecourt solutions across North America. This role will translate customer, market, regulatory, and business needs into a clear product vision, prioritized roadmap, and executable delivery plan.

The Senior Product Manager will lead the strategy, discovery, and lifecycle management of outdoor payment terminal solutions across key verticals, including fuel dispensers, electric vehicle charging stations, car washes, and other unattended or self-service environments. In addition, the role will define, discover, and develop integrated forecourt solutions for strategic DFS customers, ensuring that their operational, commercial, and customer-experience needs are translated into scalable products, capabilities, and services.

The role will own end-to-end requirements gathering, product discovery, business-case development, roadmap creation, prioritization, and cross-functional execution. The position will work closely with strategic customers, commercial teams, engineering, architecture, compliance, operations, partners, and senior leadership to deliver secure, reliable, scalable, and commercially successful solutions.

This position will balance customer experience, technical feasibility, regulatory compliance, operational readiness, revenue growth, profitability, and market opportunity while ensuring that customer-specific innovations support the broader DFS product portfolio and long-term product strategy.

Key Responsibilities:

Product Strategy and Vision

* Define and communicate the product vision, strategy, objectives, and success measures for assigned payment and loyalty products.

* Align product strategy with company objectives, regional market opportunities, customer needs, and portfolio priorities.

* Lead product lifecycle management from discovery and business-case development through launch, optimization, and retirement.

* Identify opportunities for product convergence, platform reuse, standardization, and scalable regional capabilities.

* Establish measurable objectives and key results, including adoption, revenue, margin, customer satisfaction, operational performance, and delivery outcomes.

Requirements Gathering and Product Discovery

* Lead structured requirements-gathering activities with enterprise customers, internal product teams, commercial stakeholders, suppliers, channel partners, and end users.

* Develop and maintain customer personas, journey maps, use cases, process flows, and product requirement documentation.

* Translate business and customer needs into clear epics, features, user stories, acceptance criteria, and non-functional requirements.

* Facilitate discovery workshops, stakeholder interviews, design sessions, proof-of-concept reviews, and solution-validation activities.

* Balance competing requirements across customer segments, regions, payment channels, and product lines.

* Ensure requirements address usability, accessibility, performance, scalability, reliability, security, privacy, compliance, and operational supportability.

* Establish traceability between customer needs, business objectives, product requirements, delivery outcomes, and measurable benefits.

* Validate requirements with stakeholders and obtain appropriate business, technical, compliance, and operational approvals.

Roadmap Development and Prioritization

* Build, own, and continuously refine the North America payment solutions roadmap.

* Maintain short-, medium-, and long-term roadmap views covering capabilities, features, integrations, compliance mandates, technical enablers, and platform improvements.

* Prioritize roadmap investments using customer value, strategic alignment, revenue potential, risk reduction, regulatory urgency, delivery effort, technical dependencies, and total cost of ownership.

* Present roadmap recommendations and trade-offs to senior leadership and governance forums.

* Coordinate roadmap dependencies across engineering, architecture, cybersecurity, compliance, operations, sales, marketing, and other product leaders.

* Incorporate market requirements, customer commitments, payment-network changes, scheme mandates, certification timelines, and product lifecycle considerations into roadmap planning.

* Monitor roadmap execution and adjust priorities based on changing market conditions, delivery performance, customer feedback, and business results.

Delivery Leadership and Agile Execution

* Drive engineering priorities through Agile planning and Program Increment planning processes.

* Partner with engineering and architecture leaders to define release objectives, scope, sequencing, dependencies, and acceptance criteria.

* Participate in backlog refinement, sprint planning, system demonstrations, retrospectives, release planning, and dependency management.

* Ensure product backlogs remain prioritized, actionable, and aligned with roadmap objectives.

* Lead cross-functional resolution of scope, priority, dependency, quality, and delivery risks.

* Coordinate product readiness across development, testing, certification, deployment, operations, training, and support.

* Track delivery progress, risks, issues, decisions, and outcomes, escalating matters appropriately.

* Ensure delivered capabilities meet agreed requirements and provide measurable customer and business value.

Customer and Stakeholder Leadership

* Establish a consistent Voice of Customer program using interviews, advisory sessions, feedback analysis, usage data, and customer satisfaction insights.

* Build trusted relationships with strategic customers, commercial teams, channel partners, payment providers, and internal stakeholders.

* Represent customer and market needs in product, architecture, engineering, and executive discussions.

* Facilitate executive-level communications on product strategy, roadmap progress, risks, investment decisions, and outcomes.

* Influence without direct authority across geographically distributed and cross-functional teams.

* Communicate complex technical, commercial, and regulatory topics clearly to both technical and non-technical audiences.

Business Cases, Commercialization, and Financial Management

* Identify and develop business cases for new products, features, integrations, and platform capabilities.

* Quantify customer value, revenue opportunity, investment requirements, operating costs, risks, payback, and expected return on investment.

* Partner with finance and commercial teams to develop product forecasts, investment proposals, pricing models, and profitability analyses.

* Support packaging and pricing decisions using customer data, sales history, market intelligence, competitive analysis, and cost information.

* Monitor product performance against revenue, margin, adoption, retention, cost, and customer-value targets.

* Recommend corrective actions when products do not meet financial or market objectives.

Market and Competitive Analysis

* Conduct market research to identify customer trends, competitor offerings, emerging technologies, and unmet needs.

* Perform ongoing competitive analysis across payment hardware, software, loyalty, POS, gateway, acquiring, and integrated commerce solutions.

* Assess market-entry opportunities, product gaps, differentiation strategies, and potential threats.

* Use research and data-driven insights to influence product strategy, roadmap decisions, positioning, and investment priorities.

* Monitor relevant developments in payment technology, digital commerce, unattended payments, fuel retail, loyalty, fraud prevention, and customer experience.

Compliance, Standards, and Risk Management

* Maintain awareness of regional payment regulations, network requirements, scheme mandates, and industry standards.

* Partner with compliance, legal, security, architecture, and engineering teams to incorporate PCI, EMV, privacy, security, and other applicable requirements.

* Plan roadmap activities to account for certification, testing, approval, migration, and implementation timelines.

* Identify product risks and ensure mitigation plans are reflected in product and delivery planning.

* Support engagement with relevant industry organizations and standards bodies, including the U.S. Payments Forum, NACS, and Conexxus, where appropriate.

* Ensure product documentation and launch plans accurately reflect regulatory, technical, and operational requirements.

Go-to-Market and Product Enablement

* Partner with sales, marketing, customer success, implementation, and support teams to develop go-to-market strategies.

* Define product positioning, value propositions, target segments, use cases, launch plans, and competitive messaging.

* Provide sales enablement materials, product presentations, demonstrations, training, FAQs, and objection-handling guidance.

* Support customer proposals, solution workshops, executive briefings, pilots, and strategic account engagements.

* Coordinate internal readiness for product launches, including support processes, documentation, training, pricing, contracting, and operational procedures.

* Measure launch effectiveness and use market feedback to improve future releases.

Product Operations and Continuous Improvement

* Establish product governance, decision rights, operating processes, and documentation standards.

* Monitor product health using adoption, performance, quality, incident, support, customer, and commercial metrics.

* Identify opportunities to improve product usability, reliability, operational efficiency, and customer experience.

* Lead post-launch reviews and ensure lessons learned are incorporated into future planning.

* Maintain current product documentation, roadmaps, requirements, release plans, and stakeholder communications.

* Mentor product managers and contribute to product-management capability development.

Required Experience and Qualifications:

* Bachelor's degree in business, computer science, engineering, information systems, or a related discipline; equivalent experience may be considered.

* 8+ years of product management, product strategy, engineering, systems analysis, or related experience , preferably involving payment hardware and software solutions.

* 3+ years of regional, platform, or portfolio-level product ownership .

* Demonstrated experience owning product strategy, gathering requirements, defining product vision, and building and executing roadmaps.

* Proven experience leading complex, interdependent products or programs across multiple functions and geographic regions.

* Experience delivering products deployed within the payments ecosystem.

* Strong understanding of payment-platform architecture, transaction flows, POS functionality, payment hardware, software integrations, and related services.

* Working knowledge of PCI, EMV, payment-network certifications, tokenization, encryption, fraud controls, and applicable compliance requirements.

* Experience with Agile product development, backlog management, release planning, and Program Increment planning.

* Demonstrated experience developing business cases, evaluating investment opportunities, and supporting pricing or commercialization decisions.

* Experience working with customers, suppliers, channel partners, commercial teams, engineering, architecture, compliance, cybersecurity, and operations.

* Experience in the fuel, convenience retail, hospitality, or unattended-payment industries is desirable.

* Industry involvement with organizations such as the U.S. Payments Forum, NACS, or Conexxus is desirable.

* Experience working with distributed, cross-functional teams across multiple time zones.

* Strong customer-centered product-management mindset.

* Willingness and ability to travel domestically and internationally.

Success Measures:

* Delivery of an approved, prioritized, and actionable product roadmap.

* Quality, completeness, and traceability of product requirements.

* Customer adoption, satisfaction, retention, and measurable Voice of Customer improvements.

* Delivery of committed product outcomes within agreed scope, timing, quality, and investment parameters.

* Revenue growth, margin improvement, product profitability, and return on investment.

* Timely completion of regulatory, payment-network, and certification requirements.

* Successful product launches and commercial readiness.

* Reduction of product, operational, compliance, and delivery risks.

* Effective management of cross-functional dependencies.

* Improved reuse, convergence, scalability, and operational efficiency across the product portfolio.

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