Senior Product Manager - Payments

500M+ downloads. 80M+ monthly users. A decade of building – and we’re still accelerating.Flo is the world’s #1 health & fitness app worldwide on a mission to build a better future for female health. Backed by a $200M investment led by General Atlantic, we became the first product of our kind to reach a $1B valuation in 2024 – and we’re not slowing down.With 7M paid subscribers and the highest-rated experience in the App Store’s health category, we’ve spent 10 years earning trust at scale. Now, we’re building the next generation of digital health – AI-powered, privacy-first, clinically backed – to help our users know their body better.The jobWe're looking for a Senior Product Manager (Payments) to own the strategy and execution of Flo's payments and subscription platform across Web, iOS, and Android. This is a high-impact, high-visibility role at the intersection of monetisation, platform, and operations, working closely with the VP of Product (Revenue) to shape the payment foundation that will support Flo's next stage of global growth.You will work across Product, Engineering, Data, Finance, Legal/Compliance, Support, and commercial stakeholders to build payment experiences and platform capabilities that are reliable, scalable, compliant, and growth-oriented.Payments are a core part of Flo’s growth engine and a critical platform capability for the business. As we continue to scale globally, we need strong product leadership in this area to ensure our payment stack, subscription systems, and monetisation mechanics are robust, efficient, and ready for the next stage of growth. As Senior Product Manager, Payments Platform, you will play a central role in shaping that foundation.Your ExperienceMust have:Significant product management experience, with strong exposure to payments, billing, subscriptions, or financial platform productsDeep understanding of online payment systems and subscription mechanics, ideally in a B2C subscription or consumer app environmentExperience with mobile subscription ecosystems, including Apple and Google billing environmentsExperience with web payment providers and billing platforms such as Stripe, Adyen, Braintree, RevenueCat, or similarExperience managing fraud and dispute processes, including chargeback mitigation and refund strategyStrong grasp of key payments concepts such as:Payment flowsSCA / 3DSTokenisationIssuer declinesRetries and dunningRefunds and disputesReconciliationSubscription lifecycle and entitlement logicWorking knowledge of indirect tax compliance (VAT/GST) and how it intersects with subscription billing and multi-market operationsExperience working closely with engineers on platform or infrastructure-heavy product areasProven track record of delivering complex cross-functional initiatives in fast-paced environmentsStrong analytical skills and ability to use data to diagnose performance issues, evaluate trade-offs, and drive decisionsExcellent stakeholder management, with the ability to work effectively across Product, Engineering, Data, Finance, Legal/Compliance, and SupportAbility to balance strategic thinking with hands-on execution and operational detailNice to have:Experience building in-house billing capabilities or implementing payment orchestration layersFamiliarity with tax determination platforms such as Avalara, TaxJar, or VertexExperience defining payment flows for external partner programmes (e.g. sponsored access, partner perks, third-party app stores)Exposure to payment automation and AI applications in payments contexts (e.g. intelligent retry logic, decline prediction, dispute automationWhat you'll be doingYou'll be responsible for:Own the product roadmap for Flo’s payments and billing platform across Web, iOS, and AndroidDefine and improve the end-to-end subscription and billing journey, including:Purchase and checkout flowsEntitlement and receipt validationRenewals, retries, grace periods, cancellations, and refundsPayment failure recovery and dunningPartner with Engineering and Data to improve the performance and resilience of our payment stack, including:Acceptance rate optimisationIssuer decline analysisSCA / 3DS flowsTokenisation and retry logicPayment method coverage and routingBuild the product capabilities, internal tooling, and automations required to support scalable and audit-friendly payment operationsWork closely with Finance and Operations teams to improve reconciliation, reporting accuracy, and process efficiencyOwn the tax compliance product surface, working with Finance and Legal to ensure correct tax determination, indirect tax handling (VAT/GST), and compliance with marketplace facilitator obligations across our key marketsIdentify and drive monetisation opportunities linked to the payments experience, such as checkout optimisation, refunds strategy, pricing mechanics, promos, and payment method expansionLead fraud and dispute management strategy, including chargeback reduction, fraud detection tooling, and refund policy optimisationEstablish clear frameworks for experimentation and decision-making, including A/B testing, KPI definitions, and performance dashboardsAlign stakeholders across multiple teams and functions, balancing growth, reliability, compliance, and user experienceAct as the subject matter expert for payments and subscription platform topics within the product organisation#LI-Hybrid #LI-AJ1Annual Salary Range (ranges may vary based on skills and experience)92,000—115,000 GBPHow we workWe’re a mission-led, product-driven team. We move fast, stay focused and take ownership – from brief to build to impact. Debate is encouraged. Decisions are shared. We care about craft, ship with purpose, and always raise the bar.You’ll be working with people who take their work seriously, not themselves. It takes commitment, resilience, and the drive to keep going when things get tough. Because better health outcomes are worth it. What you'll getWe support impact with meaningful reward. Here’s what that looks like:Competitive salary and annual reviewsOpportunity to participate in Flo’s performance incentive schemePaid holiday, sick leave, and female health leaveEnhanced parental leave and pay for maternity, paternity, same-sex and adoptive parentsAccelerated professional growth through world-changing work and learning supportIn-person collaboration and work in a hybrid model, with 3 days per week spent in the office5-week fully paid sabbatical at 5-year FloversaryFlo Premium for friends & family, plus more health, pension and wellbeing perksDiversity, equity and inclusionOur strength is in our differences. At Flo, hiring is based on merit, skill and what you bring to the role – nothing else. We’re proud to be an equal opportunity employer, and we welcome applicants from all backgrounds, communities and identities. Read our privacy notice for job applicants.