Product Manager III

GoCardless; Lisbon (ME); Hybrid; USD 54,000 - 81,000; Full time

Benefits offered by this job

Wellbeing

Work away

Adaptive working

Parental leave

Learning budget

Time off

Job summary

GoCardless is expanding its AI-powered payment success initiatives. You will shape the product strategy for the Success+ platform, leveraging vast network data to improve payment performance and recovery of failed payments. You’ll communicate complex concepts clearly to executives, stakeholders, and customers.

You’ll work with data teams to build a foundational data layer and empower frontline teams to position our product effectively across our merchant base.

Qualifications

• Proven experience in building AI/ML features for fintech or payments.
• Ability to translate customer needs into data-driven solutions.
• Strong communication of complex ideas to diverse audiences.

Responsibilities

• Own the Product Vision and define the strategic roadmap.
• Translate insights into customer needs and data-driven solutions.
• Partner with Data Platform teams to power performance improvements.
• Enable sales and support to articulate the value of the Success+ product.

Skills

AI/ML experience

Payments domain knowledge

Communication skills

Data platforms

Job description

About us

GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect, manage and send bank payments through Direct Debit, real-time payments and open banking. With US$130bn+ processed annually across 30+ countries, we handle recurring and one-off payments without the chasing, stress, or expensive fees. Our end-to-end payment platform also features AI-powered solutions to improve payment success and reduce fraud, alongside connections to over 350 platforms businesses use everyday.
We are headquartered in the UK, with teams and operations spanning North America, Europe and Asia-Pacific.

The role

Our mission is to make GoCardless the best way to pay and be paid. Our ambition is to dramatically enhance payment performance and safeguard our customers from negative outcomes, such as payment failures. You will build our "payment success" products, powered by AI and machine learning, leveraging GoCardless's vast network data to create self-learning systems that solve complex customer challenges.

Our existing Success+ Product is already one of the key reasons why customers choose GoCardless. This helps customers intelligently recover failed payments with smart retries. Using our proprietary data and cutting edge approaches to Data Science, our merchants end up with more payments successfully completing than with our competitors. This means more money in their bank accounts. You will need to set the strategy for GoCardless in this critical area, and be able to communicate complex concepts in clear ways for a range of audiences including execs, stakeholders, and our customers.

What You'll Do

• Own the Product Vision: Define and drive the strategic roadmap.
• Champion our Customers: Translate deep insights into customer needs and cutting-edge, data-driven solutions.
• Drive the Data Flywheel: Partner with our Data Platform teams to build the foundational data layer that powers continuous, network-wide performance improvements.
• Empower the Frontline: Enable our sales and support teams to clearly articulate and position the competitive strength of our Success+ product.

What Excites You

• Cutting-edge advancements in Data, AI, and Machine Learning within the payments industry.
• Unlocking new layers of payment performance and maximizing success rates for our merchants.
• A high-impact role that blends commercial strategy, deep customer engagement, and complex technical problem-solving.
• Building a unified, shared data infrastructure that fuels performance across our entire network.

What Excites us

• Proven experience in building and scaling AI/Machine Learning-powered features within fintech or payments.
• A track record of translating complex customer pain points into successful, high-impact products.
• The ability to define a forward-looking product strategy, informed by the latest technological trends.
• A strong understanding of data platforms, with the ability to shape technical direction.
• Excellent communication skills, capable of explaining technical concepts simply and engagingly to any audience.
• A strong data-driven mindset, with the ability to make decisions and build narratives backed by data.
• Bonus points: Experience building and scaling intelligent solutions within a fintech environment.

Base salary range: €46,400 - 69,600

Base salary ranges are based on role, job level, location, and market data. Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work.

(some of) The good stuff

• Wellbeing - stay healthy with dedicated support and medical cover
• Work away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period
• Adaptive Working - allows you to work flexibly, around your lifestyle
• Parental leave - to suit everyone embarking on life's great adventure
• Learning Budget - lead your own development with an annual learning budget
• Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (GC Fridays)

Life at GoCardless

We’re an organisation defined by our values; We start with why before we begin any project, to ensure it’s aligned with our mission. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Working this way creates the GC magic- the reason we all love showing up to work.

Diversity & Inclusion

As of April 2025, we had 806 employees (GeeCees) globally, with 524 based in the UK, 163 based in Latvia and 119 across our other offices.

To ensure that we're representative of the world around us - and to be able to review relevant benchmarks - we ask GeeCees to voluntarily disclose diversity data. This year, the proportion of GeeCees providing data increased to 88% (up from 79% in 2024). With regards to diversity within GoCardless, we can see GeeCees identifying as:

Asian, Black, Mixed or Other — 25%

Neurodiverse — 9%

LGBTQIA+ — 9%

Disabled — 1%

Average age — 33

Female — 45%

Male — 55%

We’re rooting for you during your application and GoCardless aims to provide reasonable adjustments to make our recruitment process as remarkable and accessible as we can. Please speak to your Talent Partner if you need extra support.

If you want to learn more, you can read about our Employee Resource Groups and objectives hereSustainability

We’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. Check out our sustainability action plan here.

Find out more about Life at GoCardless via Twitter, Instagram and LinkedIn.