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About the Role

Own the end-to-end product strategy and execution for UK (Bacs) and EU (SEPA) Direct Debit rails, and lead expansion into Open Banking, account-to-account (A2A), and emerging payment methods across UK and European markets.

Responsibilities

• Own and evolve the product roadmap for Bacs Direct Debit (UK) and SEPA (EU), balancing merchant experience, operational efficiency, and regulatory compliance.
• Reduce failure rates, improve reconciliation flows, and drive down cost-per-transaction through product-led initiatives.
• Partner with Compliance and Legal to ensure adherence to UK FCA rules, EU PSD2/PSD3, GDPR, and scheme rules from Bacs, SEPA, and Pay.UK.
• Work with the Commercial team to package and price Direct Debit as a competitive embedded payment option for Xplor's vertical SaaS partners.
• Lead the product development of Open Banking payment initiation (PIS) and account information (AIS) services under UK Open Banking standards and EU PSD2/PSD3 requirements.
• Define the roadmap for A2A payments, Variable Recurring Payments (VRP), and Request-to-Pay (RtP) as these rails mature in the UK and EU.
• Evaluate and integrate alternate payment methods (e.g., iDEAL, Bancontact, SEPA Instant, PayTo equivalents) relevant to Xplor's merchant base.
• Define quarterly and annual plans for the Direct Debit and Alternate Payments portfolio; maintain and communicate a rolling 12-month roadmap.
• Conduct competitive analysis across incumbent acquirers, neo-banks, and specialist payment providers operating in UK/EU markets.
• Present strategy, progress, and investment cases to the Embedded Payments executive leadership team.
• Drive agile delivery with cross-functional squads — engineering, design, data, and QA — using clear PRDs, user stories, and acceptance criteria.
• Build strong relationships with external scheme operators, banks, and open banking infrastructure providers.
• Serve as the internal centre of excellence on UK/EU payment rails — educating sales, customer success, and commercial teams.
• Monitor product health via dashboards covering transaction volumes, failure rates, settlement times, and revenue contribution.
• Embed AI tools into every stage of the product lifecycle: use LLMs for rapid synthesis of merchant interview transcripts, competitor teardowns, and PRD first drafts; use AI coding assistants to prototype flows and validate API responses without full engineering overhead.
• Champion AI adoption within the Embedded Payments product team — document effective prompting patterns, share workflows, and help upskill peers.
• Use AI-powered analytics tools to monitor performance dashboards, surface anomalies in transaction data, and generate plain-language summaries for stakeholder updates.
• Stay current with the evolving AI tooling landscape relevant to product management — proactively evaluate and propose new tools that can increase team velocity.

Requirements

• 3+ years of product management experience in fintech, payments, or financial services.
• Deep hands-on knowledge of Bacs Direct Debit (UK) — scheme rules, mandate management, AUDDIS/ARUDD processing, indemnity claims.
• Solid understanding of SEPA Direct Debit, payment rails, and EU clearing cycles.
• Demonstrated experience with Open Banking — either as a PM building PIS/AIS products or in a closely adjacent commercial or technical role.
• Fluency in PSD2, PSD3 (in progress), and UK Open Banking regulatory frameworks.
• Track record of shipping B2B or embedded payment products from discovery through to production at scale.
• Excellent written and verbal communication — able to write crisp PRDs, present to executives, and explain complex payment flows to non-technical stakeholders.
• Strong commercial instinct: comfortable with unit economics, pricing models, and revenue forecasting.
• Experience with Variable Recurring Payments (VRP) or Request-to-Pay (RtP) in the UK.
• Exposure to SEPA Instant Credit Transfer (SCT Inst) or SEPA Payment Account Access (SPAA).
• Familiarity with GDPR data handling requirements as they apply to payment data.
• Prior experience in a scale-up or multi-market fintech environment.
• Must have full working rights in the UK.
• Legally authorized to work in the location (country) you're applying for.
• Xplor does not sponsor visas, either at the time of hire or at any later time.

Skills

• Product Management
• Fintech
• Payments
• Financial Services
• Bacs Direct Debit
• SEPA Direct Debit
• Open Banking
• Payment Initiation Services (PIS)
• Account Information Services (AIS)
• PSD2
• PSD3
• UK Open Banking
• B2B Payments
• Embedded Payments
• Agile Delivery
• AI Tools
• LLMs
• AI Coding Assistants
• AI Analytics Tools
• Competitive Analysis
• Roadmap Development
• Stakeholder Management
• Commercial Acumen
• Pricing Models
• Revenue Forecasting
• Variable Recurring Payments (VRP)
• Request-to-Pay (RtP)
• SEPA Instant Credit Transfer (SCT Inst)
• SEPA Payment Account Access (SPAA)
• GDPR

Location

• UK
• Remote (UK)

Work Type

• Fully Remote
• Hybrid

Experience Level

• 3+ years of product management experience

Benefits

• Paid Parental Leave
• #GiveBackDays/Commitment to social impact – 3 extra days off to volunteer and give back to your local community
• Ongoing dedication to Diversity & Inclusion initiatives such as D&I Council, Global Mentorship Program
• Access to free mental health support
• Flexible working arrangements

About the Company

• Xplor Technologies powers the experiences at the heart of everyday life.
• Through modern vertical software, embedded payments, and AI-powered capabilities, we help businesses in fitness, recreation, golf and club, field services, laundry, education, and other membership-based and service-based industries simplify operations, uncover insights, and elevate customer and member experiences.
• More than 130,000 businesses in 72+ countries rely on Xplor to run their day and get paid, processing over $47 billion in payments annually.
• Our connected ecosystem helps operators spend less time managing complexity and more time delivering the experiences that matter most.
• Xplor is backed by world-class investors Advent International, Battery Ventures, and Silver Lake.

Equal Opportunity

• We believe in transparent hiring.
• We use an applicant tracking system that includes artificial intelligence enabled features to assist with the screening and assessment of job applications, such as candidate scoring or ranking.
• These tools support our recruitment process, but all hiring decisions are made by our recruitment team following human review.
• We do not rely on artificial intelligence to make final hiring decisions.
• Find our Candidate AI Usage guidelines here.
• Xplor is dedicated to attracting, retaining and developing our people regardless of gender identity, ethnicity, sexual orientation, disability and age.
• Applications are encouraged from all sectors of the community.
• We make it a priority to respond to every applicant.