Product Manager - Payments Intelligence

About IXOPAY

Our mission at IXOPAY is to secure and optimize payments for global commerce. We’re building an integrated platform that optimizes payment transactions and protects payments data. For merchants who understand that payments are now a strategic function, IXOPAY is a complete payments optimization platform that delivers best-in-class tokenization and transaction routing. Unlike point solutions, IXOPAY delivers omnichannel tokenization, card lifecycle management, and routing via any payments service provider — giving merchants unprecedented control over their revenue and the competitive edge to thrive in global commerce.

We believe our people are our most valuable asset and that our culture is defined by our core values that align the organization with our mission and strategy.

Position Overview

We are seeking a highly skilled Product Manager with a strong background in payments and data analytics to join our team. This key role will be focused on the growth of our newest IXOPAY solution, AI Payments Intelligence.

In this role, you will work closely with the engineering team, sales and customers to understand their business objectives to build a product focused on data-driven solutions that enhance payment performance, cost efficiency, and data management excellence. Leveraging your deep knowledge of the payments industry, you will contribute in building an AI driven payments intelligence product that allows global merchants to optimize their payment strategies, improve conversion rates, manage risks, and gain actionable insights from their data.

Position Responsibilities

* Own and manage the product backlog for the AI payments intelligence product features.

* Define and prioritize user stories, epics, and product features based on business value, user feedback, and insights from data analysis.

* Collaborate with engineers to scope and sequence features like observability modules, alerts, AI Agents, Anomaly Detection and Machine Learning based intelligence.

* Manage sprint planning, daily standups, backlog grooming, and retrospectives with the Payments Intelligence Engineering team.

* Work closely with stakeholders (e.g., finance, operations, analytics) to understand user needs and translate them into clear product requirements.

* Analyze payment and transaction data to inform feature development, identify user pain points, and uncover growth opportunities.

* Collaborate with design and frontend team members to craft intuitive UI/UX flows for dashboards, anomaly alerts, AI agents and reporting interfaces.

* Map end-to-end user journeys for both internal users (e.g., analysts, ops teams) and external users (e.g., merchants), ensuring usability and clarity.

* Use tools like Grafana, Tableau, or custom-built dashboards to validate hypotheses and measure the impact of product changes.

* Continuously monitor key payment metrics (e.g., success rates, chargebacks, processing latency) to define product KPIs and influence roadmap priorities.

* Ensure data consistency and integrity by working with engineers and analysts to define validation logic and edge-case handling.

* Drive product discovery and experimentation by testing small iterations, gathering feedback, and refining based on measurable outcomes.

* Align product vision and delivery timelines with cross-functional teams to support business goals and regulatory needs.

* Ensure platform extensibility and maintainability as new connections, features and modules are added.

* Demonstrate in-depth expertise in IXOPAY’s AI Payments Intelligence, Orchestration, Universal Tokenization, and other solutions, showcasing how data insights and reporting tools can be utilized to enhance payment performance, detect anomalies, and support informed business decisions.

* Develop comprehensive training materials and documentation to empower customers and internal teams to effectively use IXOPAY’s AI Payment Intelligence and other solutions for payment performance monitoring and analysis.

* Gather and interpret customer feedback on solution performance, usability, and analytical depth, driving continuous improvement and innovation in IXOPAY’s product suite.

* Stay current with payments and data trends, including evolving industry standards, regulatory requirements, and emerging technologies in payment data analytics and risk management.

* Support the pursuit and maintenance of relevant certifications, including payment, data security, and privacy compliance standards, ensuring customer trust and operational excellence.

Position Qualifications

* Bachelor’s degree preferred in Computer Science, Information Technology, Data Science, Economics, Business or a related field.

* 5+ years of product management experience in data analytics, payments, or financial technology products — or an equivalent role with a strong track record of delivering data-driven solutions.

* Proven experience in the payments industry (e.g., acquiring, processing, PSPs, gateways, or financial operations), with a solid understanding of payment flows, chargebacks, success rates, and operational KPIs.

* Previous experience working for a merchant, payment service provider, or acquirer is preferred.

* Demonstrated ability to define and manage product backlogs, write clear user stories, and prioritize features based on business impact and user feedback.

* Strong analytical mindset with hands-on experience working with transactional data, defining metrics, and drawing insights to guide product decisions.

* Experience working with BI tools (e.g., Grafana, Tableau, Metabase) and collaborating with analytics or data engineering teams on dashboards and reports.

* Ability to work closely with UX/UI designers to shape user journeys, wireframes, and product interfaces for data-heavy applications.

* Excellent communication and stakeholder management skills, with a track record of aligning cross-functional teams around a shared product vision.

* Familiarity with agile methodologies (e.g., Scrum, Kanban), and experience guiding iterative development cycles in a fast-paced environment.

Based in Munich (preferably) or elsewhere in Germany – this is a remote-friendly position, offering flexibility to work fully remotely or from our Munich location as desired.