Product Manager- In Person Payments

## Company Description Xplor Technologies powers the experiences at the heart of everyday life. Through modern vertical software, embedded payments (Xplor Pay), 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. With Xplor Pay, we help businesses get paid quickly and securely – without hidden fees. We built the tech ourselves, and our platform delivers secure, transparent, fast, and accurate payments. And when you become part of our Xplor Pay Direct Sales team, you also become part of the personal connection that strengthens the relationship people have with Xplor products. ## Job Description As Product Manager — In Person Payments, you will own the discovery, definition, and delivery of Xplor's In Person Payments capabilities across both SoftPOS (Tap to Pay on Android/iOS) and physical hardware terminals. This is a pivotal role sitting at the intersection of payments infrastructure, partner integrations, and merchant experience. You will work closely with Engineering, Commercial, Design, and our ISV/SaaS partners to shape the future of how merchants accept payments in-person — across gyms, studios, childcare centres, and field service businesses globally. **What You'll Do** *Product Strategy & Roadmap* - Own and maintain the In Person Payments product roadmap, balancing short-term delivery with long-term strategic positioning. - Define the SoftPOS and Hardware product strategy in alignment with the broader embedded payments vision. - Identify market trends, competitor movements, and partner requirements to inform prioritisation. - Contribute to the Xplor Embedded Payments global product strategy under the VP of Product. *Discovery & Requirements* - Lead structured product discovery for SoftPOS and hardware payment flows, including tap-to-pay, contactless, and peripheral device management. - Conduct merchant, partner (ISV/SaaS), and internal stakeholder interviews to surface unmet needs. - Write clear, outcome-oriented PRDs, user stories, and acceptance criteria for engineering squads. - Own problem framing and solution validation before committing engineering capacity. *Delivery & Execution* - Work day-to-day with engineering squads (based globally) to ensure in-person payments roadmap items are delivered on time, with quality. - Manage dependencies with payment scheme certifications (Visa, Mastercard), acquirer integrations, and hardware vendors. - Define and track KPIs for In Person Payments: activation rates, TPV, transaction success rates, chargeback ratios, and NPS. - Champion a test-and-learn culture — define experiments, interpret results, and iterate rapidly. - Leverage AI product tools to accelerate discovery synthesis, PRD drafting, sprint planning, and competitive analysis — operating at a higher output cadence than a traditional PM. *Commercial & Vendor Management* - Own commercial relationships with Key Injection Facility (KIF) and Deployment partners — managing SLA performance, pricing negotiations, scope, and capacity planning as terminal volumes scale. - Own the In Person Payments hardware inventory model: work with Supply Chain and Finance to forecast demand, manage buffer stock levels, minimise write-off risk, and optimise working capital tied up in terminal inventory. - Define and execute the GTM motion for In Person Payments — partnering with Commercial, Marketing, and Business Divisions to drive terminal attach rates, SoftPOS adoption, and in-person TPV growth. - Build and maintain a pricing and commercialisation framework for hardware (outright sale, rental, and as-a-service models) that maximises revenue contribution from the In Person Payments line. - Identify upsell and cross-sell opportunities within the existing merchant base — working with Business Units to convert card-not-present merchan…