Product Manager, Secure and Exchange London

Checkout Ltd; Greater London; On-site; GBP 70,000 - 90,000; Full time

Job summary

Checkout Ltd in Greater London is seeking a Product Manager for its Vault & Forward API. This critical role involves strategy formulation, commercial ownership, and ownership of core product functions related to payment credentials. The ideal candidate will have over 5 years of product management experience, particularly in payments, along with strong technical proficiency. Responsibilities include defining a long-term strategy, owning pricing, and partnering with engineering teams to ensure seamless execution. A customer-centric approach is essential for success in this position.

Qualifications

• 5+ years in product management, including 3+ years in payments.
• Experience building developer-facing APIs (REST, webhooks).
• Strong technical fluency (OAuth, mTLS, encryption).

Responsibilities

• Define and drive a 12–36 month strategy for Vault and Forward API.
• Own pricing, packaging, and revenue expansion.
• Partner with Engineering to deliver reliably at scale.

Skills

Product management

Payments expertise

Technical fluency

Cross-functional leadership

Job description

Product Manager: Secure & Exchange (Vault & Forward API)

This role owns one of Checkout.com's most strategic bets: becoming the system of record for payment credentials, independent of acquiring. You will lead Vault and Forward API – the core infrastructure that enables PSP-agnostic architectures, network-token-first strategies, and the shift toward PAN-less commerce. This is a mini-GM role spanning product strategy, infrastructure, and commercial ownership.

What You'll Own

Strategy & Commercial Ownership

• Define and drive a 12–36 month strategy for Vault and Forward API
• Own pricing, packaging, and revenue expansion (including standalone Vault deals)
• Build and defend investment cases (cost‑to‑serve, scheme fees, unit economics)
• Partner with Sales and Solutions to win enterprise, multi‑PSP merchants

Vault: Credential Platform

• Define core primitives: instruments, customers, tokens, multi‑instrument linking, metadata
• Own PCI DSS 4.x posture and translate compliance into merchant value
• Ensure first‑class integration with network tokens and account updater services
• Drive interoperability with wallets, Flow, and broader Checkout.com surfaces

Forward API: Programmable Infrastructure

• Own credential forwarding: source resolution, request construction, encryption, token injection, and response handling
• Expand beyond fallback use cases (fraud tools, 3DS, loyalty, partner migrations)
• Ensure reliability, latency, and observability on the critical payment path
• Build debugging and visibility tools for developers

Developer Experience

• Own the public API surface across Vault and Forward
• Drive SDKs, documentation, and reference architectures
• Reduce integration time from months to days

Cross‑Functional Leadership

• Partner with Engineering to deliver reliably at scale
• Align with Risk, Compliance, and Legal on PCI scope, regulation, and scheme changes
• Work across Authentication, Routing, and other product teams to ensure seamless credential flows

What You'll Bring

Product & Technical Depth

• 5+ years in product management, including 3+ years in payments
• Experience building developer‑facing APIs (REST, webhooks, idempotency, error design)
• Strong technical fluency (OAuth, mTLS, encryption, system design trade-offs)

Payments Expertise

• Deep understanding of the card stack (auth, capture, disputes, scheme economics)
• Strong grasp of tokenisation (network, PSP, device‑based)
• Familiarity with PCI DSS (ideally v4.x) and scope reduction
• Experience with scheme programs (VTS, MDES, account updater)

Commercial & Execution Strength

• Ability to own P&L inputs and pricing strategy
• Data‑driven decision making with clear success metrics
• Comfortable operating across product, engineering, sales, and compliance

How You Work

• Customer‑obsessed with real merchant empathy
• Clear communicator across technical and non‑technical audiences
• High ownership with strong cross‑functional collaboration

Bonus

• Experience building PSP‑agnostic vaults or forwarding layers
• Exposure to regulated markets (EU, UAE, India, Brazil)
• Familiarity with emerging models (e.g. agentic commerce)
• Industry presence (writing, speaking, or scheme participation)