Senior Product Manager, Payment Controls at Zip

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 Product Manager on the Payment Controls team, you will own the systems and strategy that make Zip the safest and most seamless way to pay vendors across tens of billions in annual spend. You will drive product development across payment method collection and management, risk and fraud prevention, customer payment onboarding, currency management, and payment compliance. You will partner closely with Engineering, Design, Payment Operations, and cross-functional teams to proactively mitigate payment fraud, ensure smooth and secure payment onboarding, and manage payment compliance with confidence at enterprise scale. YOU WILL - 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. - Drive currency localization across Zip – enabling customers supporting 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 - 4+ years of product management and 8+ years of overall professional experience; experience working on payments, fintech, 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, and data-driven risk systems. - Ability to lead cross-functional initiatives, influencing without authority, and driving 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. 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 TO employees - 🚍 Commuter benefit - 🚠 Team building events & happy hours - 🌴 Flexible PTO - 💻 Apple equipment plus home office budget 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!