Senior Product Manager (Finance and Account Management)

Jobgether; Portugal; Remote; EUR 90,000 - 140,000; Full time

Benefits offered by this job

Competitive remuneration and stock

Wellness reimbursement

Work from anywhere up to four weeks/yr

Generous vacation with duvet days

Remote with UK working hours

Inclusive recruitment

Job summary

Jobgether is seeking a Senior Product Manager to lead Finance and Account Management in a remote Portugal role. You will shape strategy for payments, billing, invoicing, and lifecycle management across regions, using data and AI tools to drive efficiency, growth, and risk control.

You will collaborate with Finance, CX, Sales, Legal, and Engineering, define MVPs, set metrics, and mentor other PMs while aligning with UK business hours.

Qualifications

• 7+ years in product management, incl. 3+ years in payments/fintech (B2B SaaS/marketplace/eCommerce).
• Experience with Stripe/Adyen, multi-currency settlement, reconciliation, disputes & chargebacks.
• Knowledge of account/identity management incl. KYC/KYB, RBAC, fraud/risk scoring.
• VAT/GST invoicing and revenue accounting familiarity; collaborate with Finance.

Responsibilities

• Own the product strategy and roadmap for Finance (payments, billing, invoicing, fees, reconciliation) and Account Management (lifecycle, verification, fraud, risk).
• Reduce payment costs by optimizing methods, multi-currency settlement, provider migrations, and handling failures/chargebacks.
• Drive revenue and accuracy via pricing, processing fees, tax/duties; ensure VAT/GST invoicing across regions.
• Lead end-to-end account lifecycle: registration, verification, roles, permissions, settings, closure.
• Define and improve fraud prevention and risk measures across onboarding and payments.
• Collaborate with Finance, CX, Sales, Legal, and Engineering; act as primary product contact for payments/accounts.
• Monitor metrics: transaction costs vs GMV, payment success, disputes, revenue leakage, fraud losses, onboarding conversion, support volume.
• Prioritize opportunities, define MVPs, deliver quickly, measure, and iterate.
• Write/review PRDs and Opportunity Assessments; document trade-offs, edge cases, compliance, data considerations before engineering.
• Apply AI tools to product discovery, PRD creation, data accuracy checks; promote AI adoption across team.
• Mentor junior PMs and raise standards for documentation and decision-making.

Skills

Payments product ownership

Fintech product

SQL data analysis

AI in product management

Cross-functional leadership

Mentoring

Strong communication

Education

Bachelor's degree in CS/Engineering/Business/Finance

Job description

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Senior Product Manager (Finance and Account Management) based in Portugal.

In this senior product leadership role, you will shape the strategy and roadmap for finance and account management products within a global eCommerce shipping technology environment. You will lead initiatives spanning payments, billing, invoicing, reconciliation, account lifecycle management, identity verification, and fraud prevention. Working across multiple engineering squads and business functions, you will turn complex financial and operational challenges into scalable product solutions. Your work will directly influence payment efficiency, revenue growth, customer conversion, and risk management. You will use data and AI-powered tools to accelerate discovery, improve decision-making, and deliver measurable outcomes. This is a full-time, remote opportunity for a product leader comfortable collaborating across regions during UK working hours.

Accountabilities

• Own the product strategy and roadmap for two areas: Finance, covering payments, billing, invoicing, fees, and reconciliation; and Account Management, covering account lifecycle, verification, fraud, and risk.

• Reduce payment processing costs by optimizing payment method selection, enabling multi-currency settlement, managing regional payment provider migrations, and addressing payment failures, disputes, and chargebacks.

• Drive revenue and financial accuracy through pricing and fee structures, processing fees, tax and duty adjustments, and compliant VAT/GST invoicing across multiple regions.

• Lead the end-to-end account lifecycle, including registration, verification, user roles, team permissions, account settings, and account closure, balancing a smooth customer experience with effective controls.

• Define and continuously improve fraud prevention and risk management measures across onboarding and payments, working closely with Finance, Customer Experience, and Compliance.

• Collaborate with Finance and Accounting, Customer Experience, Sales, Legal, and Engineering to deliver scalable solutions and serve as the primary product contact for initiatives involving payments and accounts.

• Establish and monitor performance metrics, including transaction costs as a percentage of gross merchandise value (GMV), payment success rates, dispute rates, revenue leakage, fraud losses, onboarding conversion, and account-related support volume.

• Prioritize opportunities across both squads, define minimum viable products (MVPs), deliver quickly, assess results, and iterate based on measurable outcomes.

• Write and review Product Requirements Documents (PRDs) and Opportunity Assessments, clearly documenting trade-offs, edge cases, compliance requirements, and data considerations before engineering implementation.

• Apply AI tools directly to product discovery, analysis, PRD creation, and data accuracy checks while encouraging effective AI adoption across the product team.

• Contribute senior product leadership by raising documentation and decision-making standards, sharing best practices, and mentoring less experienced product managers.

Requirements

• At least 7 years of product management experience, including 3 or more years owning payments, billing, or fintech products in B2B SaaS, marketplace, or eCommerce environments.

• Hands-on experience with payment service providers such as Stripe or Adyen, local payment methods, multi-currency settlements, payment reconciliation, disputes, and chargebacks.

• Knowledge of account and identity management products, including KYC/KYB processes, role-based access control, fraud detection, and risk-scoring tools.

• Understanding of VAT/GST invoicing and revenue accounting fundamentals, with demonstrated experience partnering closely with Finance teams.

• A proven ability to improve business performance metrics related to costs, revenue, payment success, and financial losses, supported by quantifiable results.

• Experience managing multiple engineering squads or product roadmaps simultaneously while maintaining strategic focus and execution quality.

• Strong analytical skills and the ability to independently retrieve and interpret data using SQL or equivalent tools.

• Excellent written communication, structured problem-solving, and the confidence to challenge engineering teams, stakeholders, and leadership using evidence and data.

• Practical, demonstrable experience using AI tools in everyday product management workflows.

• A bachelor's degree in Computer Science, Engineering, Business, Finance, or a related field is preferred.

• The ability to collaborate effectively across functions, balance customer experience with financial and compliance requirements, and make sound decisions in complex environments.

Benefits

• Competitive remuneration and stock units.

• Reimbursement for gym memberships and wellness-related expenses.

• The flexibility to work from anywhere for up to four weeks per year.

• A generous vacation policy, including additional duvet days and mental health days to support rest and well-being.

• A full-time remote working arrangement, with collaboration aligned to UK working hours.

• An inclusive, equal-opportunity recruitment environment focused on professional qualifications, merit, and business needs.