Director, Product Management, Card Not Present Payments

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Job Title

What does a Director Product Management Card Not Present Payments do

In this role youll own the strategy roadmap and global execution for Clovers Card Not Present (CNP) payments portfolio including e-commerce APIs and integrations payment links invoicing recurring billing alternative payment methods authorization optimization fraud management dispute automation and payment system compliance. This is a product leadership role at the heart of Clovers omni-channel strategy with responsibility for growing merchant accounts processing volume and high-margin revenue as well as delivering seamless digital payment experiences. Youll lead a team of product managers and work closely across engineering product design marketing developer relations and sales channels to win in the market.

Product Strategy & Vision

• Develop a comprehensive card-not-present payment product strategy aligned with Clovers overall mission business priorities vertical markets and growth targets.
• Create a product vision and multi-year roadmap across Clovers e-commerce mobile and API/SDK products balancing vertical strategies merchant needs and competitive dynamics.
• Identify emerging trends and technologies in online payments and alternative payment methods to drive competitive differentiation.
• Define our e-commerce integrations and developer partner strategy spanning key platforms and third-party developer solutions.
• Develop a clear strategy to migrate legacy merchants from legacy gateways and drive net-new merchant acquisition.
• Represent the CNP product team in executive reviews partner negotiations and strategic planning cycles.

Product Development & Roadmapping

• Drive the end-to-end product development lifecycle from ideation through launch ensuring timely high-quality delivery of secure scalable online payment capabilities.
• Develop deep understanding of Clovers target merchant segments (restaurant retail services healthcare) and translate segment-level needs into CNP product roadmaps.
• Collaborate with engineering architecture and design teams to define technical requirements and payment API/SDK specifications.
• Manage semi-annual card brand compliance mandates PCI requirements and regional payment and security rules.
• Drive global CNP expansion planning across international markets incorporating localized payment methods and regulatory standards.
• Translate product delivery into measurable revenue growth high-margin transaction volume and improved authorization rates.

Go-To-Market

• Partner closely with product marketing commercialization sales channels and developer relations to train sales teams and educate the market on Clovers CNP capabilities.
• Collaborate with developer outreach and partner teams to support third-party developers building on Clover e-commerce APIs.

Customer Focus

• Help conduct in-depth market and user research to understand merchant and consumer pain points and the competitive landscape.
• Gather and analyze customer feedback operational data decline rates fraud rates and other data to understand opportunities for improvement.
• Ensure high levels of customer satisfaction and retention by delivering secure compliant and reliable payment experiences.

Team & Financial Leadership

• Foster a culture of data-informed decision-making that is based on the needs of our target merchants and the financial performance goals of the organization.
• Manage and develop a high-performing team of product managers focused on specific CNP payment product lines and core platforms.
• Define and track product KPIs spanning CNP processing volume authorization rates platform uptime API adoption and merchant retention.

• 8 years of product management experience with at least 5 years dedicated to card-not-present payments e-commerce or payment gateway platforms.
• 5years of people management experience
• Deep knowledge of developer APIs RESTful web services and mobile SDKs for e-commerce integration.
• Proven experience with major e-commerce platforms and shopping cart integrations (e.g. Shopify WooCommerce Magento).
• Thorough understanding of the online payments ecosystem acquirers gateways fraud management PCI compliance etc.
• Familiarity with alternative payment methods including Pay by Bank digital wallets and Buy Now Pay Later solutions.
• Strong analytical and commercial instincts comfortable with market sizing cost-benefit tradeoffs build/buy/partner decisions and business case development.
• Excellent cross-functional leadership; able to align engineering design sales operations and commercial teams around a shared roadmap.
• Experience with SMB or merchant-facing products strongly preferred.
• International product experience (EMEA APAC or LATAM) a plus.
• Bachelors degree required; MBA or engineering background a plus.

This position requires the ability to travel domestically up to 10% of your time depending on business needs.

Salary Range

These pay ranges apply to employees in Sunnyvale California. Pay ranges for employees in other states may differ.

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