Product Manager (Card Acquiring - global FinTech business)

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

Our client is a rapidly growing international payments business serving merchants across multiple global markets. As they continue to expand their acquiring capabilities, they are seeking an experienced Product Manager to lead the evolution of their card acquiring platform, helping improve payment performance, merchant experience and product scalability.

This is an excellent opportunity for someone who combines deep card payments expertise with a data-driven approach and enjoys working at the intersection of product, technology and commercial strategy.

Key Responsibilities

• Own the design and development of core card acquiring products, ensuring scalable, resilient and commercially effective payment capabilities.
• Lead integrations with card schemes, acquirers and payment partners, managing technical implementation, testing and certification activities.
• Drive payment success rate improvements through initiatives including smart routing, authentication optimisation and transaction flow enhancements.
• Partner with data science and engineering teams to leverage machine learning and analytics in transaction decisioning and performance optimisation.
• Analyse failed transaction trends and identify opportunities to improve acceptance rates across geographies, issuers and customer segments.
• Enhance merchant integration journeys by improving APIs, technical documentation and onboarding processes.
• Collaborate closely with engineering, risk, operations, sales and customer support teams to prioritise and deliver high-impact product initiatives.
• Use data, experimentation and business insight to shape product roadmaps and measure the success of new features and enhancements.

About You

• Proven experience in card acquiring product management, ideally within a payment service provider, acquirer, fintech or merchant acquiring environment.
• Strong knowledge of card payments, including 3D Secure 2.0, tokenisation, PCI-DSS and wider card scheme ecosystems.
• Experience working with Visa, Mastercard, UnionPay, acquiring banks or third-party payment providers would be highly advantageous.
• Comfortable working with technical teams and able to translate complex payment requirements into clear product outcomes.
• Analytical mindset with experience using data to drive decision-making; exposure to SQL, Python, R or similar tools is beneficial.
• Exposure to smart routing, payment optimisation platforms, A/B testing or experimentation frameworks would be advantageous.
• Fluent English and Spanish language skills are required.

If you're passionate about building high-performance payment products and want to play a key role in shaping the future of global merchant acquiring, we'd love to hear from you.