Product Manager-Payments

As Product Manager — In Person Payments, you will own the discovery, definition, and delivery of Xplor's In Person Payments capabilities across both SoftPOS (Tap to Pay on Android/iOS) and physical hardware terminals. This is a pivotal role sitting at the intersection of payments infrastructure, partner integrations, and merchant experience.

You will work closely with Engineering, Commercial, Design, and our ISV/SaaS partners to shape the future of how merchants accept payments in-person — across gyms, studios, childcare centres, and field service businesses globally.

What You'll Do

Product Strategy & Roadmap

• Own and maintain the In Person Payments product roadmap, balancing short-term delivery with long-term strategic positioning.
• Define the SoftPOS and Hardware product strategy in alignment with the broader embedded payments vision.
• Identify market trends, competitor movements, and partner requirements to inform prioritisation.
• Contribute to the Xplor Embedded Payments global product strategy under the VP of Product.

Discovery & Requirements

• Lead structured product discovery for SoftPOS and hardware payment flows, including tap-to-pay, contactless, and peripheral device management.
• Conduct merchant, partner (ISV/SaaS), and internal stakeholder interviews to surface unmet needs.
• Write clear, outcome-oriented PRDs, user stories, and acceptance criteria for engineering squads.
• Own problem framing and solution validation before committing engineering capacity.

Delivery & Execution

• Work day-to-day with engineering squads (based globally) to ensure in-person payments roadmap items are delivered on time, with quality.
• Manage dependencies with payment scheme certifications (Visa, Mastercard), acquirer integrations, and hardware vendors.
• Define and track KPIs for In Person Payments: activation rates, TPV, transaction success rates, chargeback ratios, and NPS.
• Champion a test-and-learn culture — define experiments, interpret results, and iterate rapidly.
• Leverage AI product tools to accelerate discovery synthesis, PRD drafting, sprint planning, and competitive analysis — operating at a higher output cadence than a traditional PM.

Commercial & Vendor Management

• Own commercial relationships with Key Injection Facility (KIF) and Deployment partners — managing SLA performance, pricing negotiations, scope, and capacity planning as terminal volumes scale.
• Own the In Person Payments hardware inventory model: work with Supply Chain and Finance to forecast demand, manage buffer stock levels, minimise write-off risk, and optimise working capital tied up in terminal inventory.
• Define and execute the GTM motion for In Person Payments — partnering with Commercial, Marketing, and Business Divisions to drive terminal attach rates, SoftPOS adoption, and in-person TPV growth.
• Build and maintain a pricing and commercialisation framework for hardware (outright sale, rental, and as-a-service models) that maximises revenue contribution from the In Person Payments line.
• Identify upsell and cross-sell opportunities within the existing merchant base — working with Business Units to convert card-not-present merchants to in-person payment acceptance.

AI-Augmented Product Practice

• Embed AI tools into every stage of the product lifecycle: use LLMs for rapid synthesis of merchant interview transcripts, competitor teardowns, and PRD first drafts; use AI coding assistants to prototype flows and validate API responses without full engineering overhead.
• Champion AI adoption within the Embedded Payments product team — document effective prompting patterns, share workflows, and help upskill peers.
• Use AI-powered analytics tools to monitor In Person Payments performance dashboards, surface anomalies in transaction data, and generate plain-language summaries for stakeholder updates.
• Stay current with the evolving AI tooling landscape relevant to product management — proactively evaluate and propose new tools that can increase team velocity.

Stakeholder & Partner Engagement

• Serve as the primary product contact for hardware vendor and SoftPOS SDK partner relationships.
• Work with commercial and business unit teams to support SaaS onboarding and in-person payments go-to-market.
• Present product updates and roadmap to senior leadership on a regular cadence.

Required

• 3-6 years of product management experience, with at least 2 years in payments, fintech, or financial services.
• Demonstrable experience with In Person Payments — SoftPOS (Android/iOS Tap to Pay), POS hardware, or payment terminals.
• Strong understanding of payment flows: authorisation, settlement, reconciliation, and chargebacks.
• Experience working with payment schemes (Visa / Mastercard / local schemes) and acquirer/processor integrations.
• Proven ability to write high-quality PRDs, run discovery, and drive outcomes through cross-functional squads.
• Comfortable working in a globally distributed team (India + APAC + UK+ US) across time zones.
• Strong analytical skills — comfortable working with data to drive decisions (SQL, BI tools, product analytics platforms).
• Hands-on proficiency with AI productivity tools (Claude, ChatGPT, Cursor, Notion AI, or equivalent) with demonstrable examples of using AI to increase personal output and quality in a PM context.
• Commercial acumen: experience managing third-party vendor relationships, negotiating SLAs or commercial terms, and contributing to pricing or GTM decisions for a hardware or payments product.

Preferred

• Direct experience managing vendor relationships and understanding of cryptographic key management processes for payment terminals.
• Experience with hardware inventory management, terminal lifecycle (provisioning, deployment, swap, decommission), and working with logistics/staging vendors.
• Familiarity with hardware GTM models: outright sale, rental, terminal-as-a-service, and the associated revenue recognition and commercial trade-offs.
• Experience with embedded payments, platform/marketplace payments, or vSaaS monetisation models.
• Familiarity with PCI-DSS, EMV standards, and payment certification processes.
• Background working with SaaS or platform companies that embed payments into vertical software.
• Experience shipping in agile/scrum environments with co-located and distributed engineering teams.

What does it mean to work for Xplor?

Our five core values guide us from how we hire and recognise our team members to how we interact with our customers day to day:

• Find a better way
• Do the right thing
• Say it straight
• Win together
• Own the outcome

If these values sound like you, and describe people you want to work with, you will thrive at Xplor. As an Xplorer, you will be part of a global network of talented colleagues who will support your success. We look for commonalities and shared passions and give people the tools they need to deliver great work and grow at speed.

Ready to apply?

To start your application, please submit your resume, and we will be in touch as soon as we can. Please include the word "moonshot" at the top of your message to the Hiring Manager so that we know you took the time to read our job ad.

We kindly ask you to apply through our careers portal or external job boards (LinkedIn, Naukri, Indeed, etc) only. Please don't send your application via email. They will not be forwarded.

More about us

More than 130,000 businesses in 72+ countries rely on Xplor to run their day and get paid, processing over $47 billion in payments annually. Our connected ecosystem helps operators spend less time managing complexity and more time delivering the experiences that matter most.

Xplor is backed by world-class investors Advent International, Battery Ventures, and Silver Lake.

Good to know

To be considered for employment, you must be legally authorised to work in the location (country) you're applying for. Xplor does not sponsor visas, either at the time of hire or at any later time.

To learn more about us and our products, please visit xplor.com/careers/.

We also invite you to check out our Candidate FAQs for more information about our recruitment process xplor.com/recruitment-faqs/.

EEO and Artificial Intelligence

We believe in transparent hiring. We use an applicant tracking system that includes artificial intelligence enabled features to assist with the screening and assessment of job applications, such as candidate scoring or ranking. These tools support our recruitment process, but all hiring decisions are made by our recruitment team following human review. We do not rely on artificial intelligence to make final hiring decisions. Find our Candidate AI Usage guidelines here.

Xplor is committed to providing equal opportunities in employment and creating an inclusive work environment. We provide equal opportunities to all our employees and to all eligible applicants for employment in our company. We do not unfairly discriminate on any ground, including race, religion, color, ancestry, marital status, gender, sexual orientation, age, nationality, ethnic origin, disability or any other category protected by applicable law.

We make it a priority to respond to every applicant.