Principal Product Manager - Payments

📋 Description

• • As a Principal Product Manager - Payments at tem, you will step into a pivotal role with Director-level scope and accountability, tasked with architecting and scaling our global customer payments infrastructure. This position is designed for an individual who thrives on tackling complex, cross-functional challenges that are too critical to be confined within traditional management structures. You will be the ultimate owner of how our customers pay, get paid, and experience financial transactions across all our international markets, ensuring a seamless, reliable, and fair process.
• • Your core mission will involve defining and executing tem's global payments strategy from inception to delivery. This encompasses everything from the fundamental mechanics of how customers initiate and receive payments to the intricate commercial agreements with payment providers, robust fraud and risk management systems, adherence to diverse regulatory landscapes, and the operational intricacies of global finance. A key aspect of this role is the application of AI to optimize these processes, driving efficiency and enhancing customer experience.
• • You will be responsible for delivering payment systems that are not only robust and reliable but also capable of scaling effortlessly across different currencies, regulatory environments, and partner networks. This requires making strategic, deliberate trade-offs between competing priorities such as speed of deployment, cost-effectiveness, system reliability, and acceptable levels of risk. The ability to anticipate and mitigate potential issues is paramount.
• • A significant part of your work will involve solving complex fintech problems in an open and transparent manner. This includes ensuring the resilience of payment flows, managing retries and partial failures gracefully, handling chargebacks and disputes effectively, ensuring accurate reconciliation, and addressing a myriad of operational edge cases that can arise in high-volume financial transactions. You will need to establish clear product narratives and uphold rigorous decision-making standards, with a strong emphasis on financial correctness, building customer trust, ensuring compliance, and delivering an exceptional user experience.
• • Embracing an AI-first approach is central to this role. You will leverage artificial intelligence to enhance various aspects of our payment operations, including intelligent routing of transactions, dynamic optimization of payment processes, automated reconciliation, sophisticated exception handling, real-time anomaly detection, dynamic pricing strategies, incentive mechanisms, and predictive forecasting. This innovative application of AI will be a key differentiator for tem.
• • Success in this role hinges on your ability to orchestrate effectively across a multitude of internal teams, including Engineering, Design, Data Science, Operations, Finance, Legal, and Go-to-Market (GTM). You will need to influence stakeholders and drive alignment without direct authority, relying on sound strategic thinking, clear problem definition, and structured, persuasive communication.
• • A critical responsibility is to make risk visible, explicit, and manageable. You will build and maintain confidence across the organization that all payment-related decisions are sound, fully auditable, and designed for scalable growth. This involves establishing clear metrics and reporting mechanisms to track performance and identify areas for improvement.
• • Ultimately, your success will be measured by the confident and seamless scaling of our payments infrastructure across new international markets, a demonstrable reduction in operational burden and manual interventions, and the delivery of clearer, faster, and more well-reasoned payment-related decisions across all teams. Furthermore, you will ensure that customers perceive our payment processes as reliable, fair, and unobtrusive, contributing to overall customer satisfaction and loyalty.
• • This role offers a unique opportunity to shape the financial backbone of a rapidly growing, mission-driven company at the forefront of energy market innovation. You will have the autonomy and support to make a significant impact on a global scale, driving the future of energy transactions.