Product Manager, Core Payments - Remote (UK or Europe) · Junior to Mid level (Clone)

Compensation: £85k – £95k

About Gr4vy

Gr4vy is the cloud-native payments infrastructure platform that gives merchants the flexibility to build, manage, and scale their payments stack without the complexity. Our customers include some of the world's most recognisable brands across travel, non-profit, retail, and digital goods, and we work alongside leading PSPs, schemes, and fraud providers to power their payment flows globally.

About the role We're hiring a Product Manager to own our core payments product, and to be the person the rest of the company asks when they need an answer about how payments actually work on our platform.

The surface area is the payment itself and everything immediately around it: the authorisation lifecycle — authorisation and its variants, capture, void, refund — 3DS and SCA, tokenisation and wallets, pay-by-bank, risk and anti-fraud services, the checkout experience merchants embed in their own sites and apps, and the data we carry on a transaction. It is the part of Gr4vy that merchants touch most, and the part where the details are least forgiving.

Your job is to decide what gets built here, write it down well enough that engineers can build it without asking you what you meant, and keep the roadmap honest about what will land and when. You'll run the planning cadence with the engineering leads you work with, shape ideas through discovery and sizing, and write the specifications yourself.

This is a hands-on product role on a small team. There is no product ops function, no BA writing your tickets, and no analyst preparing your case. You will read the payment provider's documentation, read enough of our code to check whether what you're proposing is true, and then write the thing. If you want a role where you brief other people to do that work, this isn't it.

**What sits outside this role.

Our connector portfolio — building and pricing new payment provider integrations — is scoped as a separate product area. You'll work with it constantly, because much of what you specify touches an integration, but that backlog isn't yours. Company-level product strategy and pricing stay with the CPO.

**Reporting line: **

reports to the Chief Product Officer. You'll work daily with engineering, delivery, and design, and with the Solution Engineering, Support, and Commercial teams.

What you'll do Own the roadmap

• Own a live roadmap for your product area: shaping ideas from first request through discovery, sizing, commitment, delivery, and release.
• Make the calls that come with it — sizing work, setting what we commit to versus what stays exploratory, and shelving things with a written reason rather than letting them rot in the backlog.
• Keep delivery dates current, and tell people early when they move. We would rather hear a date slipped in week one than discover it in week six.
• Decide priority when two pieces of regulatory work collide, and be able to write down what the trade-off costs. That happens more often than you'd think.

Write the specifications

• Write the product specs and the engineer-facing tickets yourself, to a standard where a new engineer can pick one up cold and build it correctly.
• Cite primary sources. If a spec turns on what the EMVCo 3DS specification says, or what a provider's docs claim, quote it and link it.
• Write an explicit "not in scope, and why" section on everything. Silent omissions cause more rework here than wrong decisions do.
• Name the risk that argues against shipping, when there is one. We would rather ship a smaller thing with clear eyes than a bigger thing on optimism.
• Check your claims against the codebase before you write them down. You don't need to be able to build it; you do need to be able to tell whether it's already half-built.

Run the planning cadence

• Run sprint planning with the engineering leads you work with: assess how the sprint actually went against its goals, then set the next sprint's goals in terms of specific work items.
• Write the planning update — the one where everyone finds out what happened and what's next.
• Make sure committed work has groomed, refined tickets waiting before the sprint it's committed to starts. This is the single most common way a sprint goes sideways.
• Work with delivery on capacity, velocity, and what gets dropped when the numbers don't work.

Be the answer

• Be the front door for product questions on your surfaces from Support, Solution Engineering, Customer Success, and Commercial — and give answers that stick, in writing, in the channel where they were asked.
• Join merchant and provider calls when a question needs a product answer rather than a support answer.
• Turn recurring merchant asks into roadmap items with real demand attached, rather than a wishlist.
• Write the public release notes for what you ship, and work with Marketing on anything that needs more than a note.

What we're looking for Must-haves

• Real payments depth. You can hold a detailed conversation about the card lifecycle — authorisation, incremental authorisation, re-authorisation, full and partial capture, void, refund — and explain why over-capture support is a per-provider question rather than a platform one.
• 3DS and SCA. Version negotiation, authentication outcomes, exemptions, liability shift, and what PSD2 actually requires. You don't need to have implemented it; you need to be able to read the spec and reason about it.
• Tokenisation. The difference between a PAN, a network token, and a vault token, and why MIT and CIT chaining constrains where a subsequent payment can be routed.
• Breadth across payment methods. Wallets, APMs, pay-by-bank, and how risk and anti-fraud services sit in a payment flow.
• You write well, and you write a lot. Precise, structured, honest about uncertainty. This is the part of the job we will weight most heavily, because it is the thing that makes the rest of it work.
• Technical fluency. You read API documentation for a living, you're comfortable in a repository, and you can hold your ground in a design discussion with a senior engineer without either bluffing or deferring.
• You have shipped software with engineers before, in a role where you owned what got built and when — 3+ years of that, at least some of it in payments or fintech infrastructure.
• You work AI-natively. We run much of our product process through purpose-built Claude skills — roadmap scheduling, sprint planning, provider assessment, effort estimation. You'll be handed those on day one and expected to extend them. If you don't already work this way, this will be a difficult adjustment.
• You say no with a reason. Half of this job is declining things in a way that leaves the person who asked feeling heard and informed rather than blocked.

Nice-to-haves

• Time at a PSP, gateway, acquirer, orchestration platform, or a large merchant's payments team.
• Direct experience with 3DS integrations, network tokenisation programmes, or SCA compliance work in the EU or UK.
• Experience working across a split between a discovery roadmap and an engineering delivery backlog.
• You've written developer-facing documentation or API specifications that other people relied on.

What we're not asking for

• People management. This is an individual contributor role, and we intend to keep it that way.
• A specific framework background. We care whether the right thing ships, not which ceremony you prefer.
• Slide decks. There is almost no deck work in this job.

How we'll know you're succeeding At three months: you're writing the planning updates, and engineering comes to you rather than the CPO when they need a product decision.

At six months: every committed item on your roadmap has a groomed engineering epic before its sprint starts, and Support and Solution Engineering route product questions on your surfaces to you by default.

At twelve months: the roadmap for your area is yours — the dates are trusted, the specs are being used as the reference by engineers and by Support, and the CPO is no longer in the

Why you’ll love working at Gr4vy You’ll be joining at a truly momentous time in our company’s life cycle. We want your imprint on how the world experiences Gr4vy as the leader in the fast-growing cloud payments space. Come and bring your skills to a growing team. You’ll influence, challenge and help build our inclusive culture and passion for equity. A global identity is in Gr4vy’s DNA, with employees currently spanning across the globe.

Our Fine Print We choose laughter first. Sometimes our standups veer into debates about food, family (furballs included), and unlimited lifehack fails. We’re committed to learning, to advocating, and to doing better for our customers and ourselves, every day.

Diversity statement We value all the great benefits that diversity brings and encourage everyone to bring their whole self at work, regardless of gender, religion, ethnicity, sexual orientation, age or disability.

Compensation: Competitive salary in USD/EU/GBP + equity + benefits. Location: Anywhere in Europe - Remote working