Product Manager – Payments and Refund Processing

🕒 April 22

🇬🇧 United Kingdom – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

✅ Product Manager

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ENSEK

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2010

⚡ Energy

☁️ SaaS

💳 Fintech

💰 Non Equity Assistance on 2019-03

Energy • SaaS • Fintech

ENSEK is a cloud-native retail energy platform designed for both domestic and business customers. It provides a comprehensive suite of tools for various aspects of energy management including billing, onboarding, financial accounting, customer management, and market communications. ENSEK aims to streamline operations for energy suppliers, thereby enhancing their ability to navigate regulatory complexities and consumer demands, all while focusing on digital transformation and sustainability in the energy sector.

📋 Description

• Own the strategy, vision and roadmap for payment and refund processing — engaging users, stakeholders and commercial partners to define, validate and iterate it continuously, using competitive intelligence and AI tools to inform positioning. • Drive internationalisation of payment capabilities, ensuring the platform supports compliant payment processing across each regulatory jurisdiction without bespoke builds. • Make evidence-based prioritisation decisions, estimating the effort and value of roadmap items, using AI-powered estimation tools to improve accuracy, and discussing trade-offs transparently with stakeholders. • Define and track key product outcomes — implementing dashboards for real-time performance visibility, running A/B and multivariate test and learn, and using data to drive continuous improvement in quality and user experience. • Represent users confidently in internal discussions, advocating for research across all user types and leveraging AI-powered research tools (e.g. Dovetail AI, User Testing AI) to accelerate insight generation at scale. • Advocate for product-led thinking within your team, consult with stakeholders to protect the team from unnecessary directional changes, and champion AI tool adoption. • Create and maintain a prioritised roadmap, working with your team to validate what adds value now and in future, drafting PRDs and specifications. • Build long-term stakeholder relationships, implementing communications strategies and influencing effectively to drive alignment and outcomes.

🎯 Requirements

• Proven experience as a Product Manager in a SaaS business, ideally within fintech or payments, with a track record of shipping payment or financial products at scale • Demonstrable experience owning and delivering a payment management capability end-to-end within a SaaS platform • Experience scaling a product across multiple markets or regulatory jurisdictions while maintaining a coherent platform • Experience of using AI and data to drive product decisions, with a vision for how AI can transform payment and refund processing at scale • Strong understanding of digital payment methods including Direct Debit (BACS), card payments, Open Banking/Pay by Bank, prepayment, and emerging real-time payment rails (Faster Payments, CHAPS) • Global payments knowledge including international card schemes (Visa, Mastercard), cross-border payment methods, SEPA (for European context), and awareness of global digital wallet ecosystems (Apple Pay, Google Pay, PayPal) • Experience working with payment gateways, PSPs (Payment Service Providers), and banking APIs; ability to evaluate and manage third-party payment technology partners and integrations • Experience working in an agile environment; strong analytical skills with the ability to use data to drive product decisions and measure the performance of payment features through relevant metrics • Familiarity with experimentation platforms and AI productivity tools is advantageous • Familiarity with UK energy industry payment methods and debt management processes, including Smart Prepayment Meters (PPM), Fuel Direct, Payment Matching, and Debt Assignment Protocol (DAP); experience with Ofgem and FCA compliance requirements as they relate to customer payments is advantageous • Experience managing complex stakeholder relationships, including senior commercial partners.

🏖️ Benefits

• 25 days’ holiday + bank holidays • Option to buy or sell 5 extra annual leave days per year • Vitality Health Insurance, including private healthcare, virtual GP access, mental‑health support and wellbeing perks (50% off gym memberships -Virgin Active, Nuffield, PureGym) • Pension with 5% matched contribution • Regular team‑wide and company‑wide events • 2 volunteering days per year to give back • Remote‑first working environment with offices in London and Nottingham