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About the Role
As our Senior Product Manager – Portfolio Innovation & Agentic Commerce, you’ll help shape the next generation of opportunities across the AP+ portfolio. Working across Australia’s payments, identity and trust infrastructure, you’ll identify where capabilities such as eftpos, NPP, PayID, PayTo, Confirmation of Payee and ConnectID can come together to solve problems that no single asset could address alone. You’ll also play a key role in shaping AP+’s embrace of agentic commerce opportunities – exploring how AI agents acting on behalf of people and businesses could transform payments and what this means for areas such as trust, consent, delegation, authentication, identity, tokenisation, fraud and liability. This is a frontier product role for someone who can connect emerging technology and market shifts with genuine customer and ecosystem problems – applying strong product discipline to determine which opportunities AP+ should pursue, test or leave behind.
Responsibilities
- Develop and maintain a prioritised pipeline of cross-portfolio opportunities that bring together AP+ assets and capabilities to create new value.
- Lead portfolio-level product discovery and strategic option-shaping for agentic commerce, in close partnership with existing product teams.
- Explore the implications of AI-mediated commerce across payments, digital identity, authentication, tokenisation, consent and intent, fraud, liability, standards and scheme rules.
- Turn ambiguous opportunities into clear problem statements, hypotheses and structured assessments across desirability, viability and feasibility.
- Work with Product, Technology, Architecture, Strategy, Commercial, Legal, Risk, Policy, Finance and Member Engagement teams to shape opportunities.
- Develop propositions, pilots, POCs, business case inputs and roadmap recommendations for priority opportunities.
- Assess strategic fit, commercial potential, dependencies, and risks.
- Translate complex payments, identity and emerging technology topics into clear, compelling narratives for executives and governance forums.
- Create repeatable approaches to cross-asset product discovery, including workshops, opportunity briefs, decision frameworks and governance-ready artefacts.
- Provide clear, evidence-based recommendations on which opportunities should progress, pause or stop.
Requirements
- Significant experience in product management, product strategy or proposition development, ideally within payments, banking, fintech, digital identity, financial infrastructure or adjacent technology markets.
- Strong knowledge of the payments ecosystem, with exposure to areas such as payment rails, schemes, account-to-account/real-time payments, digital wallets, tokenisation, authentication, fraud.
- A track record of taking ambiguous market, customer or technology opportunities and turning them into structured product discovery and actionable recommendations.
- Strong commercial judgement and the ability to distinguish genuine opportunities from emerging-market hype.
- Experience assessing opportunities across desirability, viability, feasibility and strategic fit.
- The ability to connect the dots across products, technology, regulation, standards, customer needs and changing market behaviour.
- Experience working across technical, commercial, legal, risk, policy and operational teams to shape complex initiatives.
- Strong stakeholder management and influencing capability, particularly within complex matrix environments.
- The ability to create compelling executive-level narratives, opportunity briefs, decision papers and business case inputs.
- Curiosity about the future of commerce and a willingness to build deep expertise across agentic commerce, AI-mediated payments, delegated authority, digital identity and emerging standards.
Skills
- Product Management
- Product Strategy
- Proposition Development
- Payments Ecosystem
- Payment Rails
- Payment Schemes
- Account-to-Account Payments
- Real-Time Payments
- Digital Wallets
- Tokenisation
- Authentication
- Fraud Detection
- Commercial Judgement
- Stakeholder Management
- Influencing
- Executive-Level Storytelling
- Agentic Commerce
- AI-Mediated Payments
- Delegated Authority
- Digital Identity
- Emerging Standards
Location
- Australia
Work Type
- Full-time
Experience Level
- Senior
About the Company
- We are one connected team in pursuit of one inspiring purpose – to unite people and technology to power better experiences.
- We’re driven by our core values: lead with heart, learn for tomorrow and live our legacy.
- At AP+, we believe in the power of passion, pride and purpose.
- Our team is driven by a shared mission to make a difference in the world of payments, and we're proud to work together towards this common goal.
Equal Opportunity
- We want to remove all barriers to inclusion, so if you need advice or support with your application, we're here to help. Please reach out to recruitment@auspayplus.com.au. We also encourage you to let us know your pronouns at any point during the recruitment process.