Principal Product Manager, Global Payments Platform and Controls

Zip; San Francisco (CA); On-site; USD 200,000 - 280,000; Full time

Benefits offered by this job

Start-up equity

Full health, vision & dental coverage

Catered lunches & dinners for SF employees

Commuter benefit

Team building events & happy hours

Flexible PTO

Apple equipment plus home office budget

401k plan

Job summary

Zip is seeking a Principal Product Manager to oversee the global payments infrastructure, driving product strategy and risk management across millions in annual spend. Ideal candidates have over 6 years in product management and 10 years in fintech environments, with a strong grasp of payment systems and risk analysis. The role includes owning product strategy and leading partnerships, offering a salary range of $200,000 - $280,000 along with excellent benefits such as start-up equity and health coverage.

Qualifications

• 6+ years of product management and 10+ years of overall professional experience.
• Experience with payments infrastructure, fintech, bank integrations, risk/fraud, or financial compliance.
• Strong analytical skills and comfort using data to drive product decisions.

Responsibilities

• Own the payments platform strategy and roadmap.
• Drive product strategy and roadmap to reduce payment risk.
• Lead automation of payments onboarding.

Skills

Product management experience

Payments infrastructure knowledge

Risk and fraud analysis

Technical fluency

Analytical skills

Communication skills

Job description

About Zip

Zip is the AI platform for enterprise procurement — built for humans and agents working together. By orchestrating procurement across teams, tools, and suppliers with the help of AI agents, companies can secure the resources they need to innovate faster than ever before. The world’s most influential enterprises trust Zip, including T-Mobile, OpenAI, AMD, Mars, Dollar Tree, and more. Together they’ve saved over $8 billion and processed over $500 billion in spend. Zip’s team includes product leaders from Apple, Airbnb, and Meta, as well as former procurement leaders from United Health, Sanofi, MGM Resorts, Discover, and NASA. Backed by Adams Street, Alkeon, BOND, CRV, DST, Tiger Global, and Y Combinator, Zip has raised $371 million, most recently at a $2.2 billion valuation and has been recognized by Forbes Fintech 50, Fast Company's Most Innovative Companies, Inc. Best in Business, and LinkedIn Top Startups.

Your Role

As a Principal Product Manager on the Payments team, you will own the systems and strategy that power Zip's global payments infrastructure and make Zip the safest and most seamless way to pay vendors across tens of billions in annual spend. You will drive product development across the payments platform -- including bank integrations, payment provider partnerships, payout management, and payment routing -- as well as payment controls covering risk and fraud prevention, bank account verification, payment onboarding, currency management, and payment compliance. You will partner closely with Engineering, Design, Payment Operations, and cross-functional teams to deliver reliable, scalable payment infrastructure, proactively mitigate payment fraud, ensure smooth and secure payment onboarding, and manage payment compliance with confidence at enterprise scale.

You Will

• Own the payments platform strategy and roadmap, including direct bank integrations, payment provider partnerships, and payment routing infrastructure that supports tens of billions in annual volume across 40+ currencies and 130+ countries
• Drive the product strategy and roadmap to reduce payment risk -- including Zip's AI-powered fraud detection system that flags risky invoices directly to customers
• Own bank account verification—expanding provider coverage, increasing geographic reach, and ensuring reliable real-time verification across customer segments.
• Lead payments onboarding automation – building customer-facing workflows that reduce manual operational overhead and accelerate go-live.
• Define product strategy for payment method management to help buyers and vendors transact seamlessly, including multi-provider support and payout group management.
• Lead payments platform modernization -- expanding payment rails and payout capabilities, improving payment cycle times, and ensuring enterprise-grade reliability at scale.
• Drive currency localization across Zip – enabling customers to support multi-currency workflows across all payment surfaces.
• Collaborate deeply with engineering and design to define requirements, provide product direction, make tradeoffs, and deliver high-quality, enterprise-grade payment capabilities.

Qualifications

• 6+ years of product management and 10+ years of overall professional experience; experience working on payments infrastructure, fintech, bank integrations, risk/fraud, or financial compliance is a requirement.
• Ability to break down complex payment and risk problems into structured components and deliver clear product recommendations.
• Technical fluency with the ability to partner effectively with engineering on integration architectures, API design, payment processing systems, and data-driven risk systems.
• Ability to lead cross-functional initiatives, influence without authority, and drive alignment across engineering, design, operations, and customer-facing teams.
• Strong analytical skills and comfort using data to drive product decisions, measure fraud metrics, and evaluate risk model performance.
• Exceptional written and verbal communication skills, with the ability to tailor messaging to diverse technical and non-technical audiences.
• Bias to action, comfort with ambiguity, and the ability to thrive in a fast-paced, rapidly evolving environment.

The salary range for this role is $200,000 - $280,000. The salary for this position is determined based on a variety of job-related factors that may include location, relevant experience, education, or particular skills and expertise.

Perks & Benefits

At Zip, we’re committed to providing our employees with everything they need to do their best work.

• Start-up equity
• Full health, vision & dental coverage
• Catered lunches & dinners for SF employees
• Commuter benefit
• Team building events & happy hours
• Flexible PTO
• Apple equipment plus home office budget
• 401k plan

We're looking to hire Zipsters and that means hiring people who take ownership, communicate openly, have an underdog mindset, and are excited to increase the pace of innovation for every business in the world. We encourage all candidates to apply even if your experience doesn't exactly match up to our job description. We are committed to building a diverse and inclusive workspace where everyone (regardless of age, religion, ethnicity, gender, sexual orientation, and more) feels like they belong. We look forward to hearing from you!