Senior Product Manager- Merchant Integration and Embedded Finance

• A Senior Product Leader with deep expertise in Embedded Finance, Merchant Integration, and Developer Experience, responsible for defining and executing strategies that enhance merchant adoption, seamless API integrations, and embedded financial products.
• A customer-obsessed innovator who thrives on cross-functional collaboration to build and scale merchant and developer-facing experiences that drive business impact.
• This is a remote-first opportunity for US-based employees, with the option to work in-person out of our Manhattan office.

Start your adventure with Zip 

Join Zip’s Product Management function and play a pivotal role in building merchant integration and embedded finance capabilities that power seamless and scalable B2B and B2C financial experiences.

If you thrive in a fast-paced, agile environment and are passionate about payments, fintech, API-driven merchant experiences, and developer platforms, this is the opportunity for you.

As the Senior Product Manager - Embedded Finance, Merchant Integration, and Developer Experience, you will own the end-to-end experience for merchants, partners, and developers integrating with ZIP’s ecosystem. Your scope includes everything from merchant onboarding, API usability, embedded financial products, and developer tooling to partner ecosystem enablement and compliance.

This role is critical to ensuring seamless adoption and scalability of ZIP’s embedded finance and integration products, enabling merchants and developers to innovate on top of ZIP’s platform.

Interesting problems you’ll get to solve

• Define and drive the product strategy for merchant integration, embedded finance, and developer experience.
• Own and optimize merchant onboarding and API integration, ensuring a frictionless experience for partners.
• Build and scale embedded finance solutions, including BNPL for merchants, white-label lending, and alternative payment solutions.
• Develop world-class developer experiences, including SDKs, API documentation, sandbox environments, and integration support.
• Collaborate with Engineering, Compliance, Risk, Sales, and Partnerships to deliver seamless and compliant solutions.
• Define key KPIs to measure merchant adoption, API performance, integration success rates, and developer engagement.
• Partner with external merchants, fintechs, and payment providers to scale ZIP’s embedded finance offerings.
• Advocate for best-in-class API design, security, and developer usability to create a frictionless integration process.

What you’ll bring to the team 

• Education & Training:
• Bachelor’s degree in a relevant field (e.g., Business, Engineering, Computer Science). An advanced degree (MBA or equivalent) is preferred.
• Completion of a formal Product Management training program is preferred.  
• Experience:
• 5+ years of product management experience, with a strong focus on embedded finance, merchant integrations, and developer experience.
• Expertise in API product management, developer platforms, and merchant integration solutions.
• Experience in payments, financial services, merchant acquiring, and embedded finance.
• Strong technical understanding of APIs, authentication (OAuth, JWT), SDKs, and API security.
• Proven ability to work cross-functionally with Engineering, Risk, Compliance, Sales, and external partners.
• Experience in regulated financial services, ensuring compliance with PCI DSS, Reg-Z, AML, KYC, and financial industry best practices.
• Hands-on experience with API design, developer portals, and sandbox environments is a plus.
• Leadership:
• A strategic and execution-oriented Senior Product Leader who drives impact.
• A customer-first mindset, ensuring seamless merchant and developer experiences.
• Strong analytical skills, using data to drive decision-making and product improvements.
• Excellent cross-functional collaboration skills, especially with Engineering and Compliance.
• Exceptional communication and stakeholder management skills, with experience working with external partners.
• Skills & Expertise:
• Deep understanding of consumer fintech product ecosystems and trends, with experience delivering solutions that enhance customer value.
• Strong analytical and problem-solving skills, with a track record of using data to inform product decisions and optimize customer journeys.
• Exceptional collaboration skills, with a history of working effect