Senior Product Manager, Authorization Optimization

At Signifyd, we help merchants confidently grow their businesses by building trusted relationships with their customers. Our advanced technology, combined with a team genuinely invested in our clients’ success, creates frictionless shopping experiences, approving more good orders, protecting revenue, and keeping customers happy.

Trusted by thousands of leading merchants across more than 100 countries, we securely process billions of transactions each year. Our people are the heart of everything we do, driving our mission forward with commitment, empathy, and creativity.

About the role

We are looking for a Senior Product Manager to own our authorization optimization product area, where payments and fraud decisioning meet. You will own authorization rate improvement for legitimate transactions. Set the strategy, prioritize the highest-value opportunities, and drive delivery across existing capability teams.

This is a hands-on, technical product role. You will translate strategy into precise requirements, define the data and API interfaces that connect us with merchants, payment service providers, and issuers, and be the product voice in architecture discussions. You will work daily with engineering and data science, and alongside go-to-market teams who bring the product to merchants.

What you’ll do

• Own the authorization optimization roadmap end to end: set priorities, sequence delivery, make tradeoffs, and communicate the plan and its rationale to leadership, engineering, and go-to-market teams.
• Determine where Signifyd should build, orchestrate, partner, or influence issuers directly, informed by issuer behavior, merchant needs, and regional payment dynamics.
• Write detailed technical specifications, user stories, and acceptance criteria, and manage the backlog with engineering.
• Define and evolve the APIs, data models, and integration points through which authorization and decline data flows between merchants, PSPs, issuers, and our platform.
• Identify, evaluate, and develop new partnerships (such as PSPs, gateways, acquirers, issuers, and data or technology providers) that expand our coverage and deliver measurable value to merchants.
• Build issuer/BIN intelligence covering authorization performance, decline patterns, and treatment effectiveness. Maintain a quantified opportunity map to prioritize recoverable revenue.
• Drive issuer-specific decisioning across step-ups, 3DS, decline recovery, and intelligent retries; inform routing where merchants have multiple PSP or acquirer options.
• Work with data science to define requirements for risk-aware decisioning, balancing approval gains against fraud and chargeback exposure.
• Own measurable authorization uplift and recovered merchant revenue. Demonstrate treatment impact through merchant proofs of value and issuer/BIN-level reporting.
• Partner with sales, solutions, and customer success to bring merchant feedback into the roadmap and support adoption.
• Stay current on card network rules, regulation, and industry practice, and use that knowledge to sharpen requirements.

What you’ll bring (required)

• 5+ years in a product management role, including ownership of a roadmap and end-to-end delivery.
• Hands-on payments product experience spanning issuer authorization behavior, with a deep understanding of decline recovery and retries, 3DS, PSD2/SCA frameworks (including the upcoming transition to PSD3/PSR), and demonstrated improvements in authorization performance.
• Experience writing detailed technical specs and defining APIs or data interfaces in partnership with engineering (backend or high-volume transaction systems a plus).
• Strong analytical skills, with comfort working from transaction-level data and defining success metrics.
• Experience working closely with data science or analytics teams and translating insights into product requirements.
• Proven ability to influence cross-functional stakeholders without direct authority.
• Clear written and verbal communication with technical and non-technical audiences.

Preferred

• Experience at a payment processor, PSP, acquirer, card network, issuer, or fraud/risk vendor.
• Exposure to fraud, risk, or digital identity products, including the false-decline versus fraud-loss tradeoff.
• Experience defining requirements for ML-driven decisioning.
• Familiarity with 3DS/EMVCo, tokenization, ISO 8583, and PSD2/SCA.
• B2B SaaS or enterprise e-commerce merchant experience.