Product Manager (Payment)

GTN_IDN PT Global Tiket Network; Indonesia; On-site; IDR 180,000,000 - 350,000,000; Full time

Job summary

GTN IDN PT Global Tiket Network is seeking a product manager to lead tiket.com’s payments domain, owning end-to-end experiences from acceptance to payout and fraud prevention. You’ll optimize authorization, costs, and CVR while building payout capabilities and managing multi-currency flows.

You will collaborate with engineering, risk, and finance, drive data-informed decisions, and mentor junior PMs in a hybrid work setting (3 days in‑office, 2 days remote).

Qualifications

• Bachelor's degree in Computer Science, Engineering, or a related field.
• 2-4 years of product management experience, preferably in payments/fintech or online travel/e-commerce.
• Deep hands-on understanding of payment systems and transaction flows (BIN routing, authorization, scheme rules, interchange, settlement, reconciliation, fraud prevention).
• Strong analytical skills: SQL-level data analysis, A/B testing, and product experimentation.

Responsibilities

• Own the acceptance-to-payout product lifecycle end to end: card and alternative payment acceptance, payout and remittance to supply partners, and the fraud strategy across those areas.
• Drive authorization success rate and payment cost optimization—improving approval rates, reducing decline leakage, and lowering payment cost as a percentage of GBV.
• Build and scale partner payout and remittance capabilities, including settlement flows, reconciliation, and multi-currency/FX cost management.
• Own fraud detection and risk mitigation strategy, balancing fraud loss against approval rates and managing chargeback and representment workflows using fraud decisioning tools.
• Optimize checkout flows, payment retries, and dynamic routing to improve CVR.
• Partner with engineering, risk, and finance to ship scalable, secure, and compliant solutions—driving alignment across these teams without relying on formal authority.
• Use data and market research to size opportunities, defend trade-offs, and anticipate shifts in the payments landscape.
• Champion experimentation, A/B testing, and rigorous performance tracking to maximize transaction success and revenue impact.
• Maintain working relationships with banks, fintech providers, and payment partners, ensuring tiket.com stays current with the evolving payment and regulatory environment.
• Mentor and coach junior product managers, fostering a culture of ownership, problem‑solving, and innovation.

Skills

End-to-end payments PM

Payments domain

SQL data analysis

AB testing

Cross-functional leadership

Specs/PRDs writing

AI productivity tools

Education

Bachelor's degree in CS or related field

Tools

SQL

Job description

Role Overview

The Payments team at tiket.com is responsible for delivering a seamless, secure, and efficient transaction experience for millions of travelers. As part of this team, you will own a high‑impact end‑to‑end domain encompassing payment acceptance, partner payout, and fraud prevention.

Responsibilities

• Own the acceptance‑to‑payout product lifecycle end to end: card and alternative payment acceptance, payout and remittance to supply partners, and the fraud strategy that spans both.
• Drive authorization success rate and payment cost optimization—improving approval rates, reducing decline leakage, and lowering payment cost as a percentage of GBV.
• Build and scale partner payout and remittance capabilities, including settlement flows, reconciliation, and multi‑currency/FX cost management.
• Own fraud detection and risk mitigation strategy, balancing fraud loss against approval rates and managing chargeback and representment workflows using fraud decisioning tools.
• Optimize checkout flows, payment retries, and dynamic routing to improve CVR.
• Partner with engineering, risk, and finance to ship scalable, secure, and compliant solutions—driving alignment across these teams without relying on formal authority.
• Use data and market research to size opportunities, defend trade‑offs, and anticipate shifts in the payments landscape.
• Champion experimentation, A/B testing, and rigorous performance tracking to maximize transaction success and revenue impact.
• Maintain working relationships with banks, fintech providers, and payment partners, ensuring tiket.com stays current with the evolving payment and regulatory environment.
• Mentor and coach junior product managers, fostering a culture of ownership, problem‑solving, and innovation.

Qualifications

• Bachelor's degree in Computer Science, Engineering, or a related field.
• 2‑4 years of product management experience, preferably in payments, payment gateways/PSPs, fintech, or online travel/e‑commerce.
• Deep, hands‑on understanding of payment systems and transaction flows—card mechanics (BIN routing, authorization, scheme rules, interchange), settlement and reconciliation, and fraud prevention.
• Strong analytical skills: comfortable with SQL‑level data analysis, A/B testing, and product experimentation to size impact and make decisions.
• A self‑starter who operates independently with low oversight, identifies pain points, drives execution, and reliably closes the loop.
• Proven ability to influence and align cross‑functional teams—engineering, risk, and finance in particular.
• Clear written communication: strong specs, PRDs, and async/doc‑driven decision‑making.
• Experience managing multiple stakeholders across banks, payment providers, and internal teams.
• Fluent using AI to optimize productivity.
• Willingness to work in a hybrid environment (3 days in‑office, 2 days remote).