Job Title: Product Manager - New Card Services Location: Sweden / UK Mission Pax2pay is a rapidly growing FinTech business on a mission to modernise and simplify payments for the Travel industry. Our customers are some of the biggest players in the Travel sector and our partners are key players in the FinTech world. Established in 2019, we are currently a growing team of 34, with the aim of becoming the number one choice for B2B payments with the UK and EEA History Pax2pay has an award-winning digital payment solution, making travel payments easier, faster, and safer for the entire travel industry. We enable businesses to pay for their business costs via virtual cards and bank transfers - everything from hotel bookings to flights; travel transfers to tour bookings; utilities to SaaS subscriptions - whatever it is, we’ve got you covered. Pax2pay has settled billions of pounds worth of transactions, won numerous industry awards including 'Most Disruptive Payments Technology', and supported some of the largest and most successful players in the Travel Space. Job Description Pax2Pay is seeking a strategic and results-driven Product Manager to lead the development and management of our new virtual card products. As a Product Manager, you will play a pivotal role in shaping the product strategy, driving profitability, and ensuring a superior user experience. Leveraging your expertise in card issuing and real time payments within the fintech or banking industry, you will collaborate closely with cross-functional teams to deliver innovative solutions that meet market demands and regulatory requirements. Responsibilities Product Strategy and Development Develop a comprehensive product strategy for a new payment card, aligned with company goals and market opportunities. Conduct market research, competitor analysis, and customer feedback sessions to inform product decisions. Lead the end-to-end product development lifecycle, from concept to launch. Define product requirements, prioritise features, and work closely with engineering teams to ensure timely delivery of high-quality features. Drive Profitability: Develop and execute product strategies to drive profitability and growth, leveraging insights from market analysis and customer feedback. Define pricing strategies, revenue models, and business metrics to maximise product profitability and ROI. Product Roadmap and Lifecycle Management: Lead the development and management of the product roadmap, prioritising features and initiatives based on business goals and customer needs. Manage the entire product lifecycle, from ideation and concept development to launch and post-launch optimisation. Cross-functional Collaboration Work closely with cross-functional teams including engineering, marketing, sales and finance to drive alignment and ensure successful product delivery. Communicate product updates, gather feedback, and incorporate inputs into the product roadmap. Industry Knowledge and Regulatory Compliance: Maintain a strong understanding of the card industry landscape, including the 4 corner model and card scheme rules. Stay abreast of payment regulations in the European Economic Area (EEA) to ensure compliance and mitigate regulatory risks. User Experience and Fraud Management: Champion a high-quality user experience by collaborating with design and UX teams to deliver intuitive and user-friendly products. Implement effective fraud management strategies to minimise fraud risk and safeguard customer transactions. Targets: Lead successful payment product launches with on-time delivery, ensuring products to ensure achieving Key KPIs for owned products including retention and growth, quality standards and customer expectations. Provide a high level of user experience, driving user satisfaction and retention. Reach targeted product profitability through effective pricing strategies and revenue optimisation. Requirements: Proven experience in card issuing within a fintech or banking environment. Strong understanding of payment card ,real time payments & FX products including card networks, processing systems, financial infrastructure providers and regulatory requirements. Demonstrated ability to manage key stakeholders within the organisation and also working with financial infrastructure providers to achieve key product & business objectives Proactive mentality with a demonstrated ability to drive product strategy and profitability for payment products Strong knowledge of B2B product management practices and lifecycle management & product release frameworks. Familiarity with the card industry, executing and scaling card programs and card scheme rules for all major card schemes in Europe & UK Understanding of payment regulation in the UK& EEA and experience ensuring regulatory & card scheme compliance. Knowledge of fraud management techniques and best practices. Excellent communication and collaboration skills, with the ability to work effectively across teams and stakeholders. Demonstrated ability to lead cross-functional teams and drive product development from concept to launch. Excellent communication, presentation, and interpersonal skills. Analytical mindset with the ability to translate data insights into actionable product improvements.