Product Manager, Payments Full-Time

Cuscal Limited; Sydney; Hybrid; AUD 130,000 - 180,000; Full time

Benefits offered by this job

Recognition & growth

Wellbeing focus

Diversity & inclusion

Job summary

Cuscal Limited is seeking a Product Manager, Payments to shape the roadmap and strategy across services including Direct Entry, BPAY Payer, BPAY Biller, RTGS and Chequing. You’ll define vision, monitor performance, and identify opportunities to drive growth and client value.

You’ll work with Product Owners, squads and stakeholders to translate client needs into prioritized enhancements, ensuring profitability and regulatory compliance in a dynamic payments environment.

Qualifications

• You’re experienced in electronic payments and financial services.
• You balance product strategy with client needs and work across technical and business teams.
• You manage complex products from strategy through implementation and influence stakeholders.

Responsibilities

• Own and manage the product roadmap, strategy and backlog.
• Assess market trends and guide product positioning and feature development.
• Collaborate with squads to develop and launch products that drive growth and client value.
• Translate client challenges into clear product requirements and priorities.
• Monitor metrics, costs, pricing and profitability.
• Develop commercially sustainable, scalable product solutions and manage compliance.

Skills

Payments domain knowledge

Agile delivery

Stakeholder management

Financial services experience

Education

Commercial or business degree

Job description

Company Description

Forward with Cuscal

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

Your Opportunity

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

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.