Senior Product Manager - B2B Payments

AppZen; Santa Clara (CA); On-site; USD 150,000 - 190,000; Full time

Benefits offered by this job

Competitive salary

Bonus or incentive pay

Comprehensive benefits

Unlimited PTO

Paid parental leave

401(k) match

Onsite gym access

Office snacks & events

Job summary

AppZen, the leader in autonomous spend-to-pay software, seeks a Senior Product Manager to drive how AppZen integrates with external payment providers. You’ll own partnerships end-to-end and design a payments experience for an AI-driven finance workflow.

The ideal candidate has 5+ years in product management with payments/fintech, hands-on integration experience, and the ability to translate complex requirements into scalable capabilities across customers.

Qualifications

• 5+ years in product management with payments/fintech focus.
• Hands-on experience building or integrating B2B payment capabilities.
• Experience evaluating payment processors, banks, networks, or other providers.
• Experience taking a payment product or integration from concept through production.
• Strong understanding of core payment lifecycle — authorization, settlement, reconciliation.

Responsibilities

• Define the product strategy for extending AppZen’s platform into payments, including which capabilities to own directly versus via partners.
• Evaluate and select external payment providers; build evaluation criteria spanning capability, reliability, security/compliance, and terms.
• Own payment integrations end-to-end with engineering and provider teams from architecture to production.
• Design the end-to-end payment experience from obligation through execution, monitoring, and reconciliation.
• Define how AI-driven automation extends into payment execution within enterprise controls (authorization, approvals, fraud prevention).
• Translate complex enterprise payment requirements into scalable capabilities for multiple customers.
• Collaborate with Engineering, Legal, Compliance, Sales, Customer Success, and Marketing to move capabilities from concept to adoption.

Skills

Payments

Fintech

API integrations

Cross-functional

Product strategy

Education

Bachelor's degree or equivalent

Job description

AppZen is the leader in autonomous spend-to-pay software. Its patented artificial intelligence accurately and efficiently processes information from thousands of data sources so that organizations can better understand enterprise spend at scale to make smarter business decisions. It seamlessly integrates with existing accounts payable, expense, and card workflows to read, understand, and make real-time decisions based on your unique spend profile, leading to faster processing times and fewer instances of fraud or wasteful spend. Global enterprises, including one-third of the Fortune 500, use AppZen’s invoice, expense, and card transaction solutions to replace manual finance processes and accelerate the speed and agility of their businesses.

At AppZen, we value candidates who are actively using AI tools to enhance productivity, automate repetitive tasks, and solve problems more efficiently. Across all roles, we are looking for team members who leverage AI in meaningful ways to drive impact in their work.

To learn more, visit us at www.appzen.com.

We’re looking for a Senior Product Manager to help define how AppZen integrates with external payment infrastructure providers, enabling customers to move from an approved financial obligation to a completed, reconciled payment. This role is about determining the right partners to integrate with, owning those integrations end to end, and designing a payment experience that fits naturally into an AI-driven finance workflow! We’re looking for someone who has done this before and understands the payments landscape well enough to evaluate providers, navigate complex integrations, and bring an enterprise-grade payments capability to market.

What You’ll Do:

• Define the product strategy for extending AppZen’s platform into payments, including which capabilities to own directly versus provide through partners
• Develop a deep understanding of the payment infrastructure landscape and identify, evaluate, and select the external providers AppZen integrates with
• Build the evaluation criteria used to select payment partners, spanning capability, reliability, security/compliance, and commercial terms
• Own payment integrations end-to-end, partnering closely with engineering and provider teams from architecture through production
• Design the end-to-end payment experience — from an approved financial obligation through execution, monitoring, and reconciliation
• Define how AI-driven automation extends safely into payment execution, working within enterprise controls such as authorization, approval thresholds, and fraud prevention
• Translate complex enterprise payment requirements into product capabilities that scale across customers rather than one-off implementations
• Partner with Engineering, Legal, Compliance, Sales, Customer Success, and Marketing to take new capabilities from concept through customer adoption

What We’re Looking For:

• 5+ years of product management experience, including meaningful time focused on payments, fintech, or payment infrastructure
• Direct, hands-on experience building or integrating B2B payment capabilities into a software product
• Experience evaluating and selecting payment processors, banks, networks, or other payment infrastructure providers
• Experience taking at least one payment product or integration from concept through production launch
• Strong understanding of core payment lifecycle concepts — authorization, settlement, reconciliation, and exception handling
• Comfortable working directly with engineering and provider technical teams on complex, API-driven integrations
• Strong product judgment, including the ability to make build-versus-partner decisions
• Excellent written and verbal communication skills, with the ability to work effectively across cross-functional teams

Nice to Have:

• Experience with cross-border or multi-currency payment infrastructure
• Background at a payment processor, card issuer, bank, or embedded finance/payments platform
• Experience integrating payments with ERP, AP, procurement, or expense systems
• Bachelor’s degree or equivalent experience
• Competitive salary and bonus or variable incentive pay (role-dependent)
• Comprehensive medical, dental, vision, and life insurance
• Unlimited PTO
• Paid parental leave (eligible employees)
• 401(k) match
• $250 annual learning & development reimbursement
• Onsite gym access for HQ (San Jose) employees
• Office perks: snacks, happy hours, and company events

Note:

Benefits apply to full-time employees only

AppZen is committed to fair and equitable compensation practices.

The base pay range for this role is posted above. Actual compensation packages are based on several factors unique to each candidate, including skill set, depth of experience, certifications, and specific work location. This may differ in other locations due to cost-of-labor differences.The total compensation package may also include annual performance bonus, equity, benefits, and/or other applicable incentive compensation plans.

We are an equal opportunity employer and value diversity. All employment is decided on the basis of qualifications, merit and business need.