The award-winning SaaS platform behind leading energy suppliers.
Product Manager – Payments and Refund Processing
Location
United Kingdom
Posted
37 days ago
Salary
0
Seniority
Senior
Job Description
Product Manager – Payments and Refund Processing
ENSEK
• Own the strategy, vision and roadmap for payment and refund processing — engaging users, stakeholders and commercial partners to define, validate and iterate it continuously, using competitive intelligence and AI tools to inform positioning. • Drive internationalisation of payment capabilities, ensuring the platform supports compliant payment processing across each regulatory jurisdiction without bespoke builds. • Make evidence-based prioritisation decisions, estimating the effort and value of roadmap items, using AI-powered estimation tools to improve accuracy, and discussing trade-offs transparently with stakeholders. • Define and track key product outcomes — implementing dashboards for real-time performance visibility, running A/B and multivariate test and learn, and using data to drive continuous improvement in quality and user experience. • Represent users confidently in internal discussions, advocating for research across all user types and leveraging AI-powered research tools (e.g. Dovetail AI, User Testing AI) to accelerate insight generation at scale. • Advocate for product-led thinking within your team, consult with stakeholders to protect the team from unnecessary directional changes, and champion AI tool adoption. • Create and maintain a prioritised roadmap, working with your team to validate what adds value now and in future, drafting PRDs and specifications. • Build long-term stakeholder relationships, implementing communications strategies and influencing effectively to drive alignment and outcomes.
Job Requirements
- Proven experience as a Product Manager in a SaaS business, ideally within fintech or payments, with a track record of shipping payment or financial products at scale
- Demonstrable experience owning and delivering a payment management capability end-to-end within a SaaS platform
- Experience scaling a product across multiple markets or regulatory jurisdictions while maintaining a coherent platform
- Experience of using AI and data to drive product decisions, with a vision for how AI can transform payment and refund processing at scale
- Strong understanding of digital payment methods including Direct Debit (BACS), card payments, Open Banking/Pay by Bank, prepayment, and emerging real-time payment rails (Faster Payments, CHAPS)
- Global payments knowledge including international card schemes (Visa, Mastercard), cross-border payment methods, SEPA (for European context), and awareness of global digital wallet ecosystems (Apple Pay, Google Pay, PayPal)
- Experience working with payment gateways, PSPs (Payment Service Providers), and banking APIs; ability to evaluate and manage third-party payment technology partners and integrations
- Experience working in an agile environment; strong analytical skills with the ability to use data to drive product decisions and measure the performance of payment features through relevant metrics
- Familiarity with experimentation platforms and AI productivity tools is advantageous
- Familiarity with UK energy industry payment methods and debt management processes, including Smart Prepayment Meters (PPM), Fuel Direct, Payment Matching, and Debt Assignment Protocol (DAP); experience with Ofgem and FCA compliance requirements as they relate to customer payments is advantageous
- Experience managing complex stakeholder relationships, including senior commercial partners.
Benefits
- 25 days’ holiday + bank holidays
- Option to buy or sell 5 extra annual leave days per year
- Vitality Health Insurance, including private healthcare, virtual GP access, mental‑health support and wellbeing perks (50% off gym memberships -Virgin Active, Nuffield, PureGym)
- Pension with 5% matched contribution
- Regular team‑wide and company‑wide events
- 2 volunteering days per year to give back
- Remote‑first working environment with offices in London and Nottingham
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