Product Manager - Payments Operations & Processor Management

Job Summary

Payments are a core driver of ChargePoint's revenue, trust, and global scalability, accelerating our mission to make EV charging ubiquitous and convenient. As the Product Manager for Payments Operations & Processor Management, you will take deep operational ownership of our global payment processing relationships, dispute workflows, and settlement reconciliation. This is a highly visible role offering direct impact on revenue integrity, margin optimization, and customer trust as you help power the world's leading EV charging network.

Responsibilities

• Manage the end-to-end chargeback lifecycle across global card brands and European acquirers, tracking cases, submitting representments, and monitoring dispute win rates and loss exposure.
• Reconcile processor settlement files against internal transaction records, identifying discrepancies, orphaned authorizations, and ensuring accurate funding and fee accounting.
• Partner with processors, gateways, and acquirers as the primary operational contact, driving issue resolution, contract renewals, and relationship health.
• Analyze and report on payments economics, including transaction fees, interchange costs, fraud losses, and chargeback exposure across currencies and regions.
• Build analytical models alongside Finance to support unit economics analysis, refund capacity, and multi-currency cash flow projections.
• Collaborate with global Payments Engineering teams to triage, prioritize, and author technical tickets for payment processing defects and incident resolution.
• Translate complex regulatory, security, and financial constraints into clear product requirements and delivery plans for Engineering.
• Support fraud prevention strategies by monitoring key performance indicators, evaluating detection tooling, and ensuring PCI DSS compliance alongside Security and Risk teams.
• Coordinate cross-functional execution of payments initiatives, clearly communicating risks, performance metrics, and trade-offs to senior leadership.
• Maintain overlap hours with U.S. Pacific Time to facilitate seamless cross-functional coordination, ticket grooming, and sprint planning.

Requirements

• 3-5 years of experience in product management, payments operations, or financial operations with direct ownership of payment processing workflows and dispute management.
• Deep understanding of card networks, acquirers, tokenization, fraud typologies, chargeback lifecycles, and PCI DSS compliance.
• Demonstrated expertise in multi-currency payment operations, particularly across European markets (EU/UK).
• Advanced proficiency in Excel and data manipulation at scale for financial analysis, reconciliation, and reporting.
• Proven ability to manage payment processor and vendor relationships, including issue escalation and deadline management.
• Experience collaborating with distributed engineering teams using ticketed workflows (e.g., Jira) to define and resolve product defects.
• Strong capability to operate autonomously as an individual contributor, influencing cross-functional teams without direct authority.

Preferred Qualifications

• Experience with PSPs and processors used in EV charging, IoT payments, mobility, or high-volume SaaS platforms.
• Hands-on expertise parsing and reconciling processor settlement files, such as fixed-width flat files or batch reports.
• Proficiency in scripting (Python, SQL, or similar) for data extraction, transformation, and reconciliation automation.
• Familiarity with machine learning-driven fraud detection tools and chargeback representment workflows across major card networks.
• Track record of driving cost optimization or margin expansion initiatives.

Location

Bangalore, India