Senior Product Manager - B2B Payments

We're looking for a Senior Product Manager to help define how AppZen integrates with external payment infrastructure providers, enabling customers to move from an approved financial obligation to a completed, reconciled payment. This role is about determining the right partners to integrate with, owning those integrations end to end, and designing a payment experience that fits naturally into an AI-driven finance workflow! We're looking for someone who has done this before and understands the payments landscape well enough to evaluate providers, navigate complex integrations, and bring an enterprise-grade payments capability to market.

Responsibilities

Define the product strategy for extending AppZen's platform into payments, including which capabilities to own directly versus provide through partners; Develop a deep understanding of the payment infrastructure landscape and identify, evaluate, and select the external providers AppZen integrates with; Build the evaluation criteria used to select payment partners, spanning capability, reliability, security/compliance, and commercial terms; Own payment integrations end-to-end, partnering closely with engineering and provider teams from architecture through production; Design the end-to-end payment experience from an approved financial obligation through execution, monitoring, and reconciliation; Define how AI-driven automation extends safely into payment execution, working within enterprise controls such as authorization, approval thresholds, and fraud prevention; Translate complex enterprise payment requirements into product capabilities that scale across customers rather than one-off implementations; Partner with Engineering, Legal, Compliance, Sales, Customer Success, and Marketing to take new capabilities from concept through customer adoption

Requirements

5+ years of product management experience, including meaningful time focused on payments, fintech, or payment infrastructure; Direct, hands-on experience building or integrating B2B payment capabilities into a software product; Experience evaluating and selecting payment processors, banks, networks, or other payment infrastructure providers; Experience taking at least one payment product or integration from concept through production launch; Strong understanding of core payment lifecycle concepts (authorization, settlement, reconciliation, and exception handling); Comfortable working directly with engineering and provider technical teams on complex, API-driven integrations; Strong product judgment, including the ability to make build-versus-partner decisions; Excellent written and verbal communication skills, with the ability to work effectively across cross-functional teams

Nice to have

Experience with cross-border or multi-currency payment infrastructure; Background at a payment processor, card issuer, bank, or embedded finance/payments platform; Experience integrating payments with ERP, AP, procurement, or expense systems; Bachelor's degree or equivalent experience

Benefits

Competitive salary and bonus or variable incentive pay (role-dependent); Comprehensive medical, dental, vision, and life insurance; Unlimited PTO; Paid parental leave (eligible employees); 401(k) match; $250 annual learning & development reimbursement; Onsite gym access for HQ (San Jose) employees; Office perks: snacks, happy hours, and company events; Benefits apply to full-time employees only