Product Manager – Cards / Payment Orchestration

About Transak

Cards are one of Transak’s highest-volume, highest-margin flows, meaning a 1% improvement in success rate or routing efficiency can unlock thousands of dollars in additional margin each month.

We are seeking an experienced Senior Product Manager – Cards / Payment Orchestration to own the orchestration layer for card payments, driving measurable gains in approval rates, cost optimization, and throughput.

You will define and execute the strategy for smart routing across PSPs, retries, fraud step-ups, and transaction optimization, ensuring resilience and scalability as we expand globally. This role will directly contribute to Transak’s margin, fraud reduction, and partner satisfaction, making it one of the most business-critical product roles in the company.

• Smart Orchestration: Design and optimize routing logic across multiple PSPs to maximize approval rates and minimize transaction costs with the help of AI.

• Retries & Fallbacks: Build robust retry and fallback mechanisms to reduce failed payments and increase conversion.

• A/B Testing & Experimentation: Run controlled experiments on routing strategies, PSP configurations, and card flows to continuously improve approval rates and costs.

• Risk & Fraud Collaboration: Work closely with the risk team to reduce false positives, lower chargebacks, and optimize fraud step-up flows while protecting throughput.

• Margin Optimization: Partner with finance and partnerships to monitor PSP fees, interchange costs, and optimize orchestration for both cost and reliability.

• Global Expansion: Support integrations with new acquirers and local PSPs to unlock new markets, balancing global scale with regional compliance.

• Analytics & Monitoring: Define and own KPIs such as authorization success rate, PSP uptime, false-positive rates, chargeback ratios, and margin per transaction. Build dashboards and alerts for proactive monitoring.

• Cross-Functional Leadership: Collaborate with engineering, risk, fraud, finance, and partnerships teams to deliver best-in-class card payment orchestration.

• Regulatory Alignment: Ensure orchestration systems meet PCI DSS, 3DS, and regional card regulations across jurisdictions.

• 5+ years of product management experience, with at least 2+ years in payments, card acquiring, or PSP orchestration.

• Hands-on experience with payment service providers (PSPs) or aggregators such as Checkout.com, Adyen, Stripe, Primer, or Worldpay.

• Strong technical product skills, with familiarity in routing logic, APIs, 3DS, tokenization, retries, and fraud step-ups.

• Proven track record of improving card approval rates, reducing chargebacks, or optimizing transaction costs.

• Data-driven mindset; skilled at funnel analysis, experimentation, and performance monitoring.

• Strong stakeholder management skills; ability to work across engineering, finance, risk, and partnerships.

• Experience in high-growth fintech, payments, or Web3 preferred.

• Experience optimizing cross-border card payments and working with regional/local PSPs.

• Familiarity with AI/ML-driven routing optimization or fraud detection. 

• Experience building products with significant AI components, ideally leveraging LLMs.

• Experience in global card regulation, compliance, and acquirer expansion.

• Interest in Web3 and crypto payments.

• 💰 Competitive compensation + equity options.

• 🌍 Be part of a global, mission-driven team building the future of Web3 payments.