Senior Product Manager

EML Payments

EML Payments is a global leader in the fintech space. Headquarters is in Melbourne Australia, offices are located around the world including USA and Europe. Our mission is to create awesome, instant, and secure payment solutions that connect our customers to their customers, anytime, anywhere, wherever money is in motion. Our Purpose is to inspire transformative digital change for our customers and communities.

The team you’ll be joining 

EML Payments is a global leader in payments transaction technologies, turning everyday interactions with businesses into exceptional experiences.

We are an ASX listed global tech company - and we run the everyday transactions that make your life easier. EML is an issuer and processor of prepaid financial cards, ranging from reloadable cards through to traditional, single-store gift cards. We run in the background behind gift card, salary packaging and employee rewards programs and our headquarters are located in Melbourne, Australia, with approximately 450 employees across Australia, North America, and the UK/EU. We serve clients in 27 countries, process transactions exceeding AUD120B annually, and are focused on delivering double-digit growth by FY27. 

Our culture & values

Our team knocks the boring out of payments and we do it in our own unique way: having a ‘one team’ mentality, being open, honest and trusted, bringing awesome every day, and knowing that simplicity is genius! Our core values are One Team, Openness, Awesomeness and Simplicity. 

Our place is one of collaboration, teamwork & innovation. But, above all, it’s one that embraces difference. And rather than have you blend in, we want to help you unleash your full potential.

What you’ll do

As a Senior Product Manager, you will own a complex product area within EML's product domains, taking on ambiguous problem spaces and driving clarity for your squad, peers, and stakeholders. You will operate with significant autonomy - setting the strategy for your domain, making high-stakes prioritisation calls, and ensuring your area delivers against both commercial targets and platform objectives.

Beyond your own product area, you will be a force multiplier - mentoring less experienced PMs, raising the quality of product practice, and representing EML's product perspective in client and partner discussions. The complexity of card scheme rules, multi-market regulatory requirements, and enterprise client expectations is something you navigate with confidence.

Key Responsibilities

Strategy & Insight

·Define and own the product strategy and roadmap for a complex product area, connecting it directly to EML's business objectives and competitive positioning.

·Maintain a deep understanding of the payments landscape - including scheme economics, regulatory shifts, competitor moves, and emerging client needs - and use that insight to shape product direction.

·Make strategic prioritisation decisions that balance customer value, revenue impact, platform scalability, and regulatory compliance across multiple jurisdictions.

·Contribute to quarterly and annual planning processes, providing input on investment priorities and resource allocation for your domain.

Discovery & Delivery

·Lead discovery on high-ambiguity problem spaces, structuring research and experimentation to reduce risk and validate opportunities before committing to build.

·Define product requirements for complex features that may span multiple squads or systems, ensuring coherence and managing dependencies across the platform.

·Partner with engineering leadership to influence technical architecture decisions, ensuring solutions are scalable, maintainable, and aligned with platform direction.

·Ensure delivery quality through close collaboration with design, engineering, and QA - holding a high bar for what ships.

Launch & Growth

·Own the end-to-end launch of significant features and capabilities, partnering with product marketing and commercial to drive adoption and commercial outcomes.

·Drive product analytics maturity within your area - establishing dashboards, success metrics, and feedback loops that enable data-driven iteration at pace.

·Represent EML's product perspective in client engagements, scheme discussions, and regulatory conversations where senior product expertise is required.

Craft & Leadership

·Mentor and coach Product Managers and Associate Product Managers, supporting their development and raising the quality of product practice across the team.

·Contribute to the development of product frameworks, processes, and standards that improve how the entire product function operates.

·Lead by example on product craft — discovery rigour, stakeholder communication, strategic thinking — setting the standard others can follow.

What you’ll bring

To succeed in this role, you will have:

·5–8 years of product management experience, with a meaningful portion in payments, card issuing, transaction processing, or financial services.

·Proven track record of owning complex, ambiguous product areas and driving them to successful outcomes.

·Deep understanding of payments fundamentals including card scheme rules (Visa, Mastercard), authorisation and settlement flows, interchange, and regulatory frameworks.

·Strong technical fluency - ability to engage with engineering teams on architecture, API design, and system integration decisions.

·Demonstrated experience mentoring or coaching other product managers.

·Excellent stakeholder management skills with experience influencing senior leaders and external partners.

·Experience operating in regulated environments across multiple jurisdictions (UK, Australia, US, or EU).

What we offer you

If you love what you do, you should love where you do it. We offer you:

-A salary commensurate with your skills, experience and market benchmarks.

-Participation in the company bonus scheme.

-Eligible health care and pension benefits (following any approved waiting periods)

-A flexible hybrid working culture where you’re empowered to work in a way that suits your lifestyle.

-Additional leave including our Take 5 extra annual leave program, birthday leave and two days of volunteer leave per year.

-Parental support including up to 12 weeks of fully paid parental leave.

-Growth and development opportunities including access to funding for professional memberships, certifications, conferences and more.

-A culture that values collaboration, learning and continuous improvement.

-A global business landscape that connects you with colleagues working throughout Australia, UK, North America and Europe.

Our commitment to Equal Employment Opportunity

Integrated into our Core Values is EML's commitment to diversity, equity and inclusion. EML is committed to being a globally inclusive company where all people are treated fairly, recognised for their individuality, promoted based on performance and empowered to reach their full potential.

We believe in understanding and respecting differences. This concept encompasses but is not limited to human differences with regard to race, ethnicity, religion, gender, culture and physical ability. Every individual at EML has an ongoing responsibility to respect and support a globally diverse environment.

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