Senior Product Manager - Payment Lifecycle

<p>We are looking for a Senior Product Manager to join our Payment squad and help create the best BNPL payment solution in Europe.</p> <h2>About Alma</h2> <p>At Alma, we’re reinventing finance to serve those who matter the most: merchants and consumers. Our instalment and deferred payment solutions help merchants boost sales by up to 20%, increase customer loyalty, and deliver a seamless shopping experience — all without encouraging debt. As the BNPL leader in France and active in 10 European countries, we’ve empowered over 21000 merchants and 8 million consumers. With a team of 340+ Almakers and a €115M Series C funding round, Alma is rapidly scaling across Europe — and this is just the beginning.</p> <h2><strong>Your mission</strong></h2> <p>As Senior Product Manager in the Payment squad, you will own one of Alma's most strategic and complex domains: the core systems that power payment acquisition and loan management. Your mission is to identify opportunities that optimize our payment infrastructure, from introducing new payment methods and flexible installment plans to enhancing post-purchase management and recovery processes.</p> <p>Working with a squad of 7 engineers and a product designer, you will drive initiatives that improve performance across our entire payment lifecycle. You'll balance diverse business needs with technical, regulatory, and risk constraints while engaging directly with Payment Service Providers (Adyen, Stripe...) &amp; payment players (orchestrators, card schemes, local payment methods...) to evaluate innovations that could enhance Alma's capabilities.</p> <p>Through deep understanding of consumer preferences, merchant requirements, and industry trends, you'll shape solutions that power millions of transactions across Europe. This role offers the unique opportunity to contribute to building a European leader in the BNPL industry while defining the future of payment technology.</p> <h2>Main responsibilities</h2> <ul> <li>Define and execute the <strong>payment strategy and roadmap</strong>, balancing continuous improvement of existing payment systems with the exploration of new opportunities that drive business growth.</li> <li>Lead <strong>continuous product discovery</strong>, leveraging data analysis, merchant &amp; consumers interviews and market research to surface opportunities for improving payment performance.</li> <li>Drive the <strong>end-to-end delivery</strong> of complex payment features, working closely with engineering to navigate technical challenges, and executing successful go to market strategies with our product marketing team.</li> <li><strong>Engage with our payment service providers</strong>, conducting business reviews and evaluating new features and integrations that could drive Alma’s performance.</li> <li><strong>Own payment lifecycle metrics and performance</strong>, tracking conversion rates, payment success rates, and recovery effectiveness to drive continuous optimisation.</li> <li><strong>Diffuse internally a strong understanding of payment industry trends</strong> to drive continuous innovation and maintain Alma’s competitive edge.</li> <li>Collaborate with other squads to lead transversal payment initiatives to maximise impact</li> </ul> <h2><strong>Your skills</strong></h2> <h3><strong>Hard skills</strong></h3> <ul> <li>Knowledge of advanced product practices (discovery, design thinking, delivery, etc.).</li> <li>Experience leading ambitious and transformative projets on complex and technical products.</li> <li>Deep understanding of e-commerce, payment systems and regulations. You are familiar with concepts and regulations such as 3DSecure, PSD2 and PCI-DSS.</li> <li>Strong technical expertise, familiar with concepts such as APIs, webhooks, IPNs, and able to work with engineers on deep technical topics.</li> <li>Strong analytical mindset with comfort working with data and metrics (SQL proficiency is a plus).</li> </ul> <h3><strong>Soft skills</strong></h3> <ul> <li>Strategic thinking with ability to balance short-term technical improvements with long-term business vision.</li> <li>Excellent communication skills, with an ability to synthesise complexity and engage with both technical and non technical stakeholders.</li> <li>Problem-solving orientation with comfort navigating technical constraints and regulatory requirements.</li> <li>Leadership presence to drive consensus among various stakeholders (risk, compliance, finance, operations) and push forward ambitious payment initiatives across the organisation.</li> <li><strong>Adaptability</strong> to thrive in a fast-paced environment with evolving payment technologies and market demands.</li> </ul> <h2>What would make you a good fit for this job ?</h2> <ul> <li>5+ years of experience as a Product Manager, with significant exposure to e-commerce and/or payment systems.</li> <li>Proven track record delivering ambitious initiatives on complex technical products with measurable business impact.</li> <l