Rain

Payments Network Product Manager

Rain

full-time

Posted on:

Location Type: Hybrid

Location: New York City • New York • 🇺🇸 United States

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Salary

💰 $190,000 - $310,000 per year

Job Level

SeniorLead

About the role

  • Own the end-to-end roadmap for network integrations and payments infrastructure.
  • Define product requirements and KPIs for transaction routing, authorization optimization, interchange efficiency, and settlement accuracy.
  • Collaborate with executives to align product strategy with business and revenue goals.
  • Serve as the in-house expert on card network rules, mandates, interchange structures, and scheme fee frameworks.
  • Ensure the product complies with evolving card scheme regulations and regional payment requirements.
  • Partner closely with engineering to design and deliver scalable network integration architectures.
  • Work with compliance, and legal to ensure network compliance and data security.
  • Coordinate with operations and finance teams on settlement reconciliation, fee forecasting, and dispute management.
  • Manage relationships with external acquirers.
  • Analyze network performance metrics (authorization rates, decline codes, latency, interchange costs).
  • Develop tools and dashboards to monitor and improve transaction success rates and economics.

Requirements

  • 8+ years of experience in payments, preferably with a focus on card network operations or issuer/acquirer relationships.
  • Deep understanding of Visa, Mastercard, Amex, and regional payment networks.
  • Strong knowledge of authorization flows, settlement, chargebacks, and interchange.
  • Proven ability to translate complex financial and regulatory systems into product requirements.
  • Experience working with payment processors, gateways, or payment orchestration platforms.
  • Technical fluency with APIs, data models, and transaction lifecycle workflows.
  • Excellent stakeholder management and communication skills — able to operate effectively with engineering and executive teams alike.
  • Bachelor’s degree in Business, Economics, Finance, or Computer Science; MBA or equivalent experience preferred.
Benefits
  • Top-tier coverage: We cover 95% of Medical, Dental, and Vision premiums.
  • 401(k) with matching: Invest in your future, just like we’re investing in ours.
  • Ownership that matters: Every team member gets equity because we believe in building together.
  • Work your way: Flexible hybrid setup with a prime SoHo office for NYC-based teammates.
  • Unlimited PTO: Because time to rest and reset is just as important as time to ship.
  • Product-first perks: Monthly budget to test our cards and features like a real user.
  • Wellness support: Monthly stipend to spend on fitness, therapy, or whatever keeps you thriving.
  • Home office setup: One-time stipend to create a space that works for you.
  • Team connection: Frequent company events, team dinners, and offsites to stay connected.

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard skills
transaction routingauthorization optimizationinterchange efficiencysettlement accuracyauthorization flowssettlementchargebacksinterchangeAPIsdata models
Soft skills
stakeholder managementcommunicationcollaborationrelationship managementanalytical skillsproblem-solvingstrategic alignmentteamworkadaptabilityleadership
Certifications
Bachelor’s degree in BusinessBachelor’s degree in EconomicsBachelor’s degree in FinanceBachelor’s degree in Computer ScienceMBA
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