Product Manager, Payments

SmartRecruiters, Inc.; Sydney; On-site; AUD 120,000 - 180,000; Full time

Benefits offered by this job

Recognition and growth

Wellbeing focus

Diversity and inclusion

Job summary

Cuscal is seeking a Product Manager, Payments to lead the roadmap and strategy across Direct Entry, BPAY Payer/Biller, RTGS and Chequing Services in a dynamic payments domain.

You will shape vision, monitor market trends and performance, and collaborate with cross-functional teams to deliver client-focused, growth-driven solutions.

Qualifications

• Three+ years of product management experience within financial services.
• Strong understanding of the electronic payments industry.
• Experience managing product lifecycles and applying product development frameworks.
• Experience working within Agile delivery environments.
• Demonstrated experience delivering complex product implementations.
• Experience developing business cases for new products or enhancements.
• Understanding of revenue drivers, product costs and profitability levers.
• Ability to interpret accounting and financial information.
• Experience preparing proposals for prospective clients.
• Strong stakeholder management and influencing skills.
• Excellent communication and presentation capabilities.
• Strong analytical, problem-solving and organisational skills.
• Tertiary qualifications in a commercial or business discipline or equivalent practical experience.

Responsibilities

• Own and manage the product roadmap, strategy and backlog aligned with priorities.
• Assess market trends, competitor offerings and client needs to guide positioning and features.
• Partner with Product Owners and squads to launch products that support growth.
• Translate client and stakeholder challenges into clear enhancements and priorities.
• Monitor product metrics, costs, pricing and profitability.
• Develop commercially sustainable and scalable product solutions.
• Collaborate with partnerships, marketing and operations to drive client growth.

Skills

Product management

Electronic payments

Financial services

Agile delivery

Stakeholder management

Problem solving

Communication

Presentations

Education

Commercial or business degree

Job description

Ever tapped your phone to buy a morning coffee or made a purchase from your favourite online store? Chances are, we’ve made it happen.

At Cuscal, we’ve been at the forefront of payments innovation for 59 years, enabling seamless and secure solutions that millions of Australians rely on every day. From launching Australia’s first ATM to becoming the first certified Australian fast payments Payer and Initiator in 2022, we’ve always pushed boundaries and we’re not stopping now.

That’s why we’re looking for a Product Manager, Payments to join our Payments Domain and help shape the future of payments.

Join us. Forward with Cuscal.

Job Description

We’re looking for a Product Manager, Payments to join our Payments Domain.

Reporting to the Senior Product Manager, Payment Services, you’ll be responsible for planning and managing the product roadmap and strategy across services including Direct Entry, BPAY Payer, BPAY Biller, RTGS and Chequing Services.

You’ll define the vision, positioning and objectives for your product portfolio while ensuring each solution delivers value for clients and supports Cuscal’s growth strategy. You’ll monitor product performance, market trends, financial outcomes and client needs to maintain competitiveness and identify opportunities for improvement.

You’ll also make an impact by:

• Owning and managing the product roadmap, strategy and backlog in line with business and client priorities
• Assessing market trends, competitor offerings and client needs to guide product positioning and feature development
• Partnering with Product Owners and squads to develop and launch products that support client needs and business growth
• Translating client and stakeholder challenges into clear product enhancements, requirements and priorities
• Monitoring product metrics, service levels, costs, pricing and profitability
• Developing commercially sustainable and scalable product solutions
• Collaborating with Client Partnerships, Business Development, Marketing and Operations to support client growth and revenue
• Managing product compliance with relevant regulations, legislation, policies and industry standards
• Building relationships with clients, vendors, schemes, industry bodies and internal stakeholders
• Representing Cuscal and its clients in relevant industry working groups and forums
• Maintaining product documentation, sales tools, training materials and technical information
• Supporting the annual budget process and identifying commercial efficiencies and cost-saving opportunities

Qualifications

What you’ll bring

You’re an experienced product professional with a strong understanding of electronic payments and financial services. You can balance product strategy, commercial performance and client needs while working effectively across technical and business teams.

You’re comfortable managing complex products from strategy through to implementation. You take a structured and analytical approach to solving problems and can influence stakeholders at different levels.

To succeed in this role, you’ll bring:

• At least three years of product management experience within financial services
• A thorough understanding of the electronic payments industry
• Experience managing product lifecycles and applying product development frameworks
• Experience working within Agile delivery environments
• Demonstrated experience delivering complex product implementations
• Experience developing business cases for new products or product enhancements
• An understanding of revenue drivers, product costs and profitability levers
• The ability to interpret accounting and financial information
• Experience preparing proposals for prospective clients
• Strong stakeholder management and influencing skills
• Excellent communication and presentation capabilities
• Strong analytical, problem-solving and organisational skills
• Tertiary qualifications in a commercial or business discipline or equivalent practical experience

You’ll stand out from the crowd if you have:

• Experience working in a fast-paced payments product environment
• Strong knowledge of payments, banking or enablement products
• An understanding of supplier and competitor offerings within the payments market
• Experience working with payment schemes, industry bodies or external vendors
• Experience working effectively in a hybrid environment

Additional Information

Why Cuscal?

At Cuscal, you’ll find a strong, successful company that’s reimagining the future. And our team is right there at the heart of it all.

Here, you’ll deliver or support interesting, ground-breaking work that has real impact - on Australia’s financial services sector and the millions of customers it serves.

You’ll innovate alongside skilled, smart, connected teams.

And you’ll build an impressive, fulfilling career that continues to grow.

You’ll also enjoy a range of benefits, including:

• Recognition and growth: Celebrate achievements through IGNITE and grow with tailored development opportunities.
• Wellbeing focus: Access initiatives supporting physical, mental, and financial health, plus discounts via ‘Cuscal Advantage.’
• Diversity and inclusion: Join a workplace that values different perspectives and flexible work arrangements.

Join us and reimagine the future

Cuscal is an equal opportunity employer committed to an equitable, diverse, and socially inclusive work environment and a positive, barrier-free recruitment process.

We welcome applicants from an Aboriginal and Torres Strait Islander heritage, people living with a disability, LGBTQIA+ and people from culturally diverse backgrounds to explore career opportunities with Cuscal.

Note: Cuscal does not accept unsolicited resumes from recruitment agencies or search firms.

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