Global Card Payments Product Lead

Ethos Beathchapman; Málaga; On-site; EUR 60,000 - 90,000; Full time

Job summary

Ethos BeathChapman is seeking an experienced Product Manager to lead the evolution of a card acquiring platform, aiming to improve payment performance, merchant experience and scalability across global markets.

You will operate at the crossroads of product, technology and commercial strategy, translating complex payment requirements into clear outcomes for engineering, risk and sales teams, and driving initiatives from concept to rollout.

Qualifications

• Proven card acquiring product management experience.
• Strong knowledge of card payments (3D Secure 2.0, tokenisation, PCI-DSS).
• Experience with Visa, Mastercard, UnionPay or payment providers advantageous.
• Translate payment requirements into clear product outcomes for tech teams.
• Analytical mindset; experience with SQL, Python or R beneficial.
• Exposure to smart routing and experimentation frameworks.
• Fluent English and Spanish.

Responsibilities

• Own design and development of core card acquiring products with scalable, resilient capabilities.
• Lead integrations with card schemes, acquirers and payment partners.
• Drive payment success rate improvements via routing, authentication and flow enhancements.
• Partner with data science and engineering for ML and analytics in decisioning.
• Analyse failed transaction trends to improve acceptance across geographies.
• Enhance merchant integration journeys with APIs and onboarding processes.
• Collaborate with engineering, risk, operations, sales and support to deliver initiatives.
• Use data and experiments to shape roadmaps and measure success.

Skills

Card acquiring

Data-driven decision making

SQL

Python

R

A/B testing

English & Spanish

Stakeholder collaboration

Job description

Ethos BeathChapman is seeking an experienced Product Manager to lead the evolution of a card acquiring platform, aiming to improve payment performance, merchant experience and scalability across global markets.

You will operate at the crossroads of product, technology and commercial strategy, translating complex payment requirements into clear outcomes for engineering, risk and sales teams, and driving initiatives from concept to rollout.