Senior Product Manager- Merchant Integration and Embedded Finance

Zip Co; New York (NY); Remote; USD 150,000 - 165,000; Full time

Job summary

Join a forward-thinking company as a Senior Product Manager focused on Merchant Integration and Embedded Finance. This remote-first role allows you to lead the charge in crafting seamless API integrations and innovative financial products that enhance merchant and developer experiences. Collaborate with cross-functional teams to drive product strategy, optimize onboarding processes, and advocate for best-in-class API design. If you are passionate about fintech and thrive in a fast-paced environment, this is the perfect opportunity to make a significant impact in the financial services industry. Embrace the chance to grow your career while contributing to a dynamic team dedicated to innovation and excellence.

Benefits

Incentive programs

20 days PTO every year

Generous paid parental leave

Leading family support policies

100% employer covered insurance

Beautiful Union Square office

Learning and wellness subscription stipend

Company-sponsored 401k match

Qualifications

• 5+ years of product management experience in embedded finance and merchant integrations.
• Strong technical understanding of APIs, authentication, and SDKs.

Responsibilities

• Define and drive product strategy for merchant integration and embedded finance.
• Optimize merchant onboarding and API integration for a frictionless experience.

Skills

Product Management

Embedded Finance

API Integration

Cross-functional Collaboration

Analytical Skills

Problem-solving Skills

Communication Skills

Education

Bachelor’s degree in Business, Engineering, or Computer Science

MBA or equivalent

Tools

API Documentation

SDKs

Sandbox Environments

Job description

Senior Product Manager- Merchant Integration and Embedded Finance

United States

• A Senior Product Leader with deep expertise in Embedded Finance, Merchant Integration, and Developer Experience, responsible for defining and executing strategies that enhance merchant adoption, seamless API integrations, and embedded financial products.
• A customer-obsessed innovator who thrives on cross-functional collaboration to build and scale merchant and developer-facing experiences that drive business impact.
• This is a remote-first opportunity for US-based employees, with the option to work in-person out of our Manhattan office.

Start your adventure with Zip

Join Zip’s Product Management function and play a pivotal role in building merchant integration and embedded finance capabilities that power seamless and scalable B2B and B2C financial experiences.

If you thrive in a fast-paced, agile environment and are passionate about payments, fintech, API-driven merchant experiences, and developer platforms, this is the opportunity for you.

As the Senior Product Manager - Embedded Finance, Merchant Integration, and Developer Experience, you will own the end-to-end experience for merchants, partners, and developers integrating with ZIP’s ecosystem. Your scope includes everything from merchant onboarding, API usability, embedded financial products, and developer tooling to partner ecosystem enablement and compliance.

This role is critical to ensuring seamless adoption and scalability of ZIP’s embedded finance and integration products, enabling merchants and developers to innovate on top of ZIP’s platform.

Interesting problems you’ll get to solve

• Define and drive the product strategy for merchant integration, embedded finance, and developer experience.
• Own and optimize merchant onboarding and API integration, ensuring a frictionless experience for partners.
• Build and scale embedded finance solutions, including BNPL for merchants, white-label lending, and alternative payment solutions.
• Develop world-class developer experiences, including SDKs, API documentation, sandbox environments, and integration support.
• Collaborate with Engineering, Compliance, Risk, Sales, and Partnerships to deliver seamless and compliant solutions.
• Define key KPIs to measure merchant adoption, API performance, integration success rates, and developer engagement.
• Partner with external merchants, fintechs, and payment providers to scale ZIP’s embedded finance offerings.
• Advocate for best-in-class API design, security, and developer usability to create a frictionless integration process.

What you’ll bring to the team

• Education & Training:
• Bachelor’s degree in a relevant field (e.g., Business, Engineering, Computer Science). An advanced degree (MBA or equivalent) is preferred.
• Completion of a formal Product Management training program is preferred.
• Experience:
• 5+ years of product management experience, with a strong focus on embedded finance, merchant integrations, and developer experience.
• Expertise in API product management, developer platforms, and merchant integration solutions.
• Experience in payments, financial services, merchant acquiring, and embedded finance.
• Strong technical understanding of APIs, authentication (OAuth, JWT), SDKs, and API security.
• Proven ability to work cross-functionally with Engineering, Risk, Compliance, Sales, and external partners.
• Experience in regulated financial services, ensuring compliance with PCI DSS, Reg-Z, AML, KYC, and financial industry best practices.
• Hands-on experience with API design, developer portals, and sandbox environments is a plus.
• Leadership:
• A strategic and execution-oriented Senior Product Leader who drives impact.
• A customer-first mindset, ensuring seamless merchant and developer experiences.
• Strong analytical skills, using data to drive decision-making and product improvements.
• Excellent cross-functional collaboration skills, especially with Engineering and Compliance.
• Exceptional communication and stakeholder management skills, with experience working with external partners.
• Skills & Expertise:
• Deep understanding of consumer fintech product ecosystems and trends, with experience delivering solutions that enhance customer value.
• Strong analytical and problem-solving skills, with a track record of using data to inform product decisions and optimize customer journeys.
• Exceptional collaboration skills, with a history of working effectively across Product Design, Engineering, Marketing, Data, Compliance, and Legal teams.
• Outstanding communication and interpersonal skills, with experience presenting to executives and influencing key stakeholders.
• Mindset:
• Merchant- and developer-obsessed, focused on building simple, scalable, and high-impact solutions.
• Adaptable and results-oriented, thriving in fast-paced, agile environments.
• A strategic thinker, balancing short-term execution with long-term innovation.

What you’ll get in return

Zip is a place where you’ll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly.

We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities you’ll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back.

We think these are just some of the best things about being a Zipster. We will also offer you:

• Incentive programs
• 20 days PTO every year
• Generous paid parental leave
• Leading family support policies
• 100% employer covered insurance
• Beautiful Union Square office with a casual dress code
• Learning and wellness subscription stipend
• Company-sponsored 401k match

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.

The annual base Pay Range for this position is $150,000-$165,000. This range reflects our US national compensation (USN). Additional premium percentages may apply based on our tiered premium strategy. Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and/or other benefits.

Be a part of a team that reflects the diversity of our customers

We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.

Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience.

And finally…get to know us

Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centred products that bring customers and merchants together.

Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.