Product Manager - Payments

Description du poste:

Sage's Payments Platform is the trusted foundation that powers how customers move money globally. We operate two core services - Payments In (receivables collection) and Payments Out (supplier payments, payroll, disbursements) - integrating with payment providers across every major geography and method (ACH, SEPA, Wire, Card, Real-Time Payments, and more).

Your customers are internal product teams. Your job is ensuring they can confidently embed money movement into their workflows through clean APIs, embeddable UI components, and a globally consistent provider network.

This is a critical moment. Payments are increasingly the central differentiator that unlocks cash flow, liquidity, and fintech opportunities for Sage customers. You will own the evolution of both services, ruthlessly prioritise provider integrations globally, manage competing demands from internal teams, and ensure the platform scales to handle billions in transactional volume.

*** Please note: This is a hybrid role requiring 3 days per week in our Newcastle office ***
What You'll Do:

* Own the global payment platform roadmap for both Payments In and Payments Out.
* Design the consumption experience for internal product teams - clear APIs and embeddable UI components so AP, AR, Payroll, Expense, and fintech teams integrate payments without managing provider complexity.
* Ruthlessly prioritise provider integrations and payment methods - evaluate which providers and methods to support based on market demand, customer footprint, and internal product needs. Make high-leverage bets; say no to edge cases.
* Work with providers on roadmap alignment, SLA management, feature prioritisation, and support escalation.
* Define compliance and regulatory strategy - partner with legal and compliance to navigate PSD2, Open Banking, local payment regulations, fraud/AML rules, and data residency requirements.
* Drive adoption and migration of internal products from legacy payment handling to the Payments Platform.
* Own the evolution of embeddable payment UI - hosted forms, embedded payment inputs, and payment method selection components that products embed into their workflows.
* Build alignment across a complex stakeholder network - coordinate roadmaps with internal product teams, manage provider expectations, and work with sales and fintech on new opportunities.

What You'll Bring:

* A track record of owning platform or infrastructure products where customers are internal - ideally in payments, financial services, or integrations-heavy domains.
* Ruthless prioritisation and focus - you make high-leverage bets and cut scope decisively.
* Strong stakeholder management - you manage competing demands from AP, AR, Payroll, and fintech teams and secure alignment without direct authority.
* Multi-geography and regulatory fluency - you've built products across countries with different regulations, payment rails, and vendor landscapes without fragmenting the platform.
* Exceptional communication across technical and business audiences - payment orchestration, compliance implications, business impact, and adoption strategy, all in the right language.
* Ability to translate platform value into commercial concepts - you drive adoption by demonstrating ROI, not by mandate.

Nice to Have:

* Payments product management or fintech experience.
* Experience managing 10+ third-party API integrations with trade-off decisions on vendor support and lock-in.
* Experience with embeddable UI, developer experience, and API/SDK adoption.
* Familiarity with event-driven architecture - webhooks, idempotency, event sourcing, eventual consistency.
* Familiarity with Open Banking, embedded finance, real-time payments, or API banking trends.

What Success Looks Like (First 12 Months):

* A clear, documented roadmap for both Payments In and Out with explicit prioritisation logic - which providers and methods are being invested in, sunsetting, and why.
* Provider ecosystem rationalised - low-value providers sunset, key partnerships strengthened, clear SLAs and governance in place.
* Internal product adoption measurable and growing - AP, AR, Payroll, and fintech teams migrating to the platform; adoption metrics and ROI tracked.
* Embeddable UI components adopted across products - well-documented, easy to integrate, regularly enhanced.
* Compliance and regulatory strategy documented and trusted by compliance teams.
* 99.95% uptime consistently achieved; engineering and ops teams aligned on SLAs.
* 2-3 major features or provider additions shipped that visibly unlocked new capabilities for internal products.

Benefits? We have plenty...
Video: https://www.youtube.com/watch?v=TCMtTYUUiuU
* Generous bonuses and pension scheme: Up to 8% matched pension contribution plus 2% top-up by Sage.
* 25 days of paid annual leave with the option to buy up to another 5 days.
* 8 bank holiday days.
* Paid 5 days yearly to volunteer through our Sage Foundation.
* 50% income protection.
* Holiday buy + sell.
* Comprehensive health, dental, and vision coverage.
* Work away scheme for up to 10 weeks a year.
* Ongoing training and professional development.
* Hybrid working.
* Healthy Mind app membership
* Access to various helpful memberships for finances, health and wellbeing.

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