Senior Product Manager Consumer Payments

Who we are:

TrueLayer is Europe's fastest-growing Pay by Bank network. We power smarter, safer and faster payments by combining real-time bank payments with financial and identity data. E-commerce, iGaming and Financial Services businesses use our products to onboard new users, accept money and make payouts in seconds, and at scale. Live across 22 countries and with 1 new user joining TrueLayer's Pay by Bank network every 3 seconds, we're in a very exciting growth stage. This is why we're expanding the team across our offices in London, Milan, and Dublin.

Listed in Sifted as one of the 100 fastest growing start-ups in UK & Ireland, and CNBC's World Top Fintech Companies, we're trusted by industry leaders like RyanAir and Just Eat Takeaway for continued innovation within our payment products. To date, we've raised over $300 million from world-renowned investors including Stripe, Tiger Global, Northzone, and Tencent. But this is just the beginning.

We're looking for people who are excited about joining the Pay by Bank revolution and helping us change the way the world pays. Could this be you?

Description
As Senior Product Manager II, you'll help shape the strategy and execution of TrueLayer's consumer-facing payment journeys, working closely with a world-class team of engineers, PM's and designers. You'll define, track, iterate, and improve upon how users initiate, confirm and complete payments across our network, ensuring that every transaction is simple, trusted and effective.

You'll operate at the intersection of technology, regulation and partnership, collaborating with merchants, platforms and internal teams to design experiences that feel effortless, even when delivered through complex integrations. This role is pivotal to ensuring that the scale and reliability of TrueLayer's infrastructure translate into seamless experiences for end users.

Your work will directly influence how millions of people experience bank payments across Europe, helping TrueLayer set the standard for how money moves online.

What we expect from you:

• In collaboration with other functional PM's lead the product vision and roadmap for consumer payments, from initiation through settlement, within the TrueLayer network.
• Partner with merchants, PSPs and platform teams to design integration patterns, shared data flows and user journeys that maximise conversion and trust.
• Champion a deep understanding of user motivations and behaviours, translating insights into improvements that drive adoption and satisfaction.
• Own the sprint planning and backlog for the Payments Experience Engineering group, working closely with Design, Compliance, Data and Commercial teams to deliver products that balance regulatory standards, technical excellence and user experience.
• Use quantitative and qualitative insight to identify friction, test hypotheses and measure the impact of new capabilities and design improvements.
• Partner deeply with commercial and operations teams to deliver world-class consumer-grade client integrations while uncovering unmet user needs which inform the product vision and roadmap.
• Co-own clear metrics for success and establish accountability for outcomes across your product area.
• Support and mentor other product managers, helping to embed evidence-based decision-making and user-centred practices across the team.

About you:

• Proven experience delivering products where customer experience depends on integrations with partners or third-party systems.
• Strong understanding of account-to-account, card or digital-wallet payment flows and the ecosystem that connects banks, PSPs, merchants and consumers, a bonus is experience of these specifically in eCommerce.
• Comfortable working with API-driven products or infrastructure and translating technical capability into customer value.
• Skilled in quantitative and qualitative discovery, able to make sound decisions with imperfect data.
• Clear communicator who can build alignment across engineering, design, compliance, commercial and external partner teams.
• You're comfortable operating where data, systems and ownership are distributed, and can create clarity and momentum in complex client ecosystems.

We would be particularly excited if you have:

• Financial services product experience
• Technical background with ability to understand complex technical challenges
• Payments industry experience (banks, fintechs, cards, PSPs)
• Start-up experience in fast-growth environments

Don't meet all the requirements?
Multiple studies have shown that women and people of underrepresented groups are sometimes less likely to apply to jobs unless they meet every single requirement. At TrueLayer, we are committed to building a diverse workforce, so if you are excited about this role and have the essential skills, but not the entire checklist - we'd still love to hear from you

Benefits
What you can expect from us:

• Meaningful equity in the company
• Flexible hours and hybrid working — work from home and our incredible offices in London Milan and Dublin
• Need to collect the kids from childcare? Love a workout in the gym first thing? No worries, we trust you to do your best work within our hybrid framework
• A one-off remote-working budget to help you set up your home office
• 24 days holiday as standard with flexible bank holidays, so you can take those days whenever you like
• 12 fully-paid wellbeing days a year and your birthday off (on top of the holiday allowance)
• 2 volunteering days to support causes important to you
• 90 day 'work from abroad' policy
• Generous parental leave, above and beyond statutory requirements and with no minimum tenure
• Competitive pension contribution at 4% & 4%
• Private health insurance from the day you start
• Membership of mental wellbeing platform Spill
• A £1000 budget to spend on learning & development each year
• Free lunch from Just Eat (If you choose to work from the office on Tuesdays, Wednesdays and Thursday)

At TrueLayer, we don't just do inclusion and diversity. We embrace people that have different opinions, perspectives and personalities. Because we believe that by seeing the world from all sorts of angles, we can make life better for all the people who live in it. We strongly encourage applications from underrepresented groups (e.g. people of colour, the LGBTQ+ community, people with disabilities, neurodivergent people, parents, carers, and people from all socio-economic backgrounds). If you'd like to discuss alternative working patterns, please let us know.

We will always aim to make appropriate adjustments to ensure we are fully inclusive to people with different needs during our interview process. So if you need us to make any adjustments to suit your individual needs please let us know - we'll be happy to support you.