Product manager in payments

EML Payments is a global payments company, headquartered in Brisbane, Australia, and listed on the Australian Securities Exchange. We build secure, instant payment solutions that connect our clients to their customers, wherever money is in motion. Our products include banking, credit and disbursement services, earned wage access, gifts, incentives and rewards, and FX solutions. We operate in more than 25 countries, we combine the energy of a start-up with deep leadership experience

• Define and own the product strategy and roadmap for a complex product area, connecting it directly to EML's business objectives and competitive positioning.
• Maintain a deep understanding of the payments landscape - including scheme economics, regulatory shifts, competitor moves, and emerging client needs - and use that insight to shape product direction.
• Make strategic prioritisation decisions that balance customer value, revenue impact, platform scalability, and regulatory compliance across multiple jurisdictions.
• Contribute to quarterly and annual planning processes, providing input on investment priorities and resource allocation for your domain.
• Lead discovery on high-ambiguity problem spaces, structuring research and experimentation to reduce risk and validate opportunities before committing to build.
• Define product requirements for complex features that may span multiple squads or systems, ensuring coherence and managing dependencies across the platform.
• Partner with engineering leadership to influence technical architecture decisions, ensuring solutions are scalable, maintainable, and aligned with platform direction.
• Ensure delivery quality through close collaboration with design, engineering, and QA - holding a high bar for what ships.
• Own the end-to-end launch of significant features and capabilities, partnering with product marketing and commercial to drive adoption and commercial outcomes.
• Drive product analytics maturity within your area - establishing dashboards, success metrics, and feedback loops that enable data-driven iteration at pace.
• Represent EML's product perspective in client engagements, scheme discussions, and regulatory conversations where senior product expertise is required.
• Mentor and coach Product Managers and Associate Product Managers, supporting their development and raising the quality of product practice across the team.
• Contribute to the development of product frameworks, processes, and standards that improve how the entire product function operates.

• 5–8 years of product management experience, with a meaningful portion in payments, card issuing, transaction processing, or financial services.
• Proven track record of owning complex, ambiguous product areas and driving them to successful outcomes.
• Deep understanding of payments fundamentals including card scheme rules (Visa, Mastercard), authorisation and settlement flows, interchange, and regulatory frameworks.
• Strong technical fluency - ability to engage with engineering teams on architecture, API design, and system integration decisions.
• Demonstrated experience mentoring or coaching other product managers.
• Excellent stakeholder management skills with experience influencing senior leaders and external partners.
• Experience operating in regulated environments across multiple jurisdictions (UK, Australia, US, or EU).

• 25 days' annual leave, with an additional 5 days available once your annual leave is used
• Paid birthday leave and 2 paid volunteering days a year
• Enhanced parental leave: 12 weeks for primary carers and 4 weeks for secondary carers
• Private medical insurance fully covered by EML, including 24/7 GP phone and video access, specialist consultations, diagnostics and treatment
• An Employee Assistance Programme with up to 6 confidential counselling sessions a year
• A workplace pension scheme with company contributions 5% and employee minimum 3%, salary sacrifice scheme also available
• Income protection of up to 75% of salary and life insurance at 4× annual salary
• A Cycle to Work scheme through tax-efficient salary sacrifice
• Support with one relevant professional membership a year