Product Manager Jobs

Equals Group PLC

Location:
United Kingdom, London

Category:
IT - Software Development

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

We’re looking for a Product Manager to lead the evolution of our card processing infrastructure—a core component of the Equals Money Railsr platform. In this role, you’ll drive the product vision, roadmap, and execution for card lifecycle management, from authorisation and transaction routing to settlement, reconciliation, and scheme compliance. You’ll work closely with card networks (e.g., Visa, Mastercard), processing partners (e.g., Marqeta), and internal engineering teams to build a resilient, scalable card stack that enables BIN sponsorship, issuing, and value-added card features across the UK, US and EU. This role demands a strong understanding of scheme rules, card technologies, and the commercial aspects of card processing systems. You'll play a key role in evolving our card technology stack and ensuring we remain compliant, innovative, and competitive in the global payments space.

Job Responsibility:

Product Ownership: Lead the product strategy for our card processing capabilities across authorisation, clearing, settlement, ledger posting, reconciliation, and dispute resolution
Scheme Integration: Interpret and implement changes from Visa and Mastercard operating regulations and technical bulletins. Ensure timely compliance and alignment to scheme mandates
Processing Infrastructure: Design and evolve our transaction processing stack, including primary and secondary message handling, stand-in processing, dual-message flows, and fallbacks
Partner Collaboration: Work closely with card processors, scheme representatives, and bureau partners to drive delivery, optimise latency, and improve approval ratios
API Design: Collaborate with engineering teams to build scalable and secure APIs for issuing, cardholder services, and back-office functions (e.g. reporting, limits, tokenisation)
Operational Excellence: Define and monitor KPIs such as transaction success rate, chargeback ratios, scheme fee recovery, and system uptime
Compliance & Risk: Partner with legal, risk, and compliance to ensure full alignment with PCI DSS, 3DS, SCA, AML/KYC, and other relevant regulations
Strategic Input: Identify innovation opportunities in card technology (e.g., tokenisation, softPOS, network tokenisation, real-time funding) and incorporate them into the roadmap
GTM Enablement: Support go-to-market, operational readiness, and partner enablement for all card product enhancements

Requirements:

3+ years of product management experience
2+ years specifically focused on card products or card payment infrastructure
Understanding of card scheme networks, card processing workflows, and payment message formats
Experience working with card processors, scheme certifications, settlement platforms, and dispute management systems
Strong technical aptitude—able to work closely with engineering to define APIs, system behaviour, and integration logic
Proven track record in leading cross-functional initiatives and delivering high-availability financial products at scale
Exceptional communication skills—able to translate complex technical requirements into commercial outcomes
Demonstrated ability to track key performance metrics and drive data-informed product decisions

Nice to have:

Experience with embedded card platforms like Marqeta, Galileo, or processors like GPS, Thredd, or FIS
Understanding of transaction routing logic and BIN configuration best practices
Familiarity with scheme dashboards, network fee structures, and cost-reduction initiatives
Experience managing scheme relationships or participating in scheme compliance reviews/certifications
Working knowledge of Postman, Figma, and documentation tools like Notion
A passion for payment and cards innovation—keen to stay ahead of the curve on topics like tokenisation, real-time payments, or biometric authentication

What we offer:

25 days holiday per year + your birthday off
Opportunities for progression, development and learning new skills - £250 towards the cost of learning & development
Free onsite Nuffield Health gym & pool (London) and discounted gym membership elsewhere
GetActive with Aviva - Health and Wellbeing discounts on services and products
Interbank currency rates on travel money and international transfers
Bupa Private Healthcare
Free Eye Test and £50 up to the cost of glasses
EAP Service - Mental Health Services
Life Assurance Policy - x3 annual salary
Contributory pension scheme
Cycle to Work Scheme
Season Ticket Loans
Enhanced Parental Policies
Complimentary tea, coffee, soft drinks and fruit

Additional Information:

Job Posted:
December 08, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Product Manager