Senior Product Manager - Payments

500M+ downloads. 80M+ monthly users. A decade of building – and we’re still accelerating. Flo is the world’s #1 health & fitness app worldwide on a mission to build a better future for female health. Backed by a $200M investment led by General Atlantic, we became the first product of our kind to reach a $1B valuation in 2024 – and we’re not slowing down. With 7M paid subscribers and the highest-rated experience in the App Store’s health category, we’ve spent 10 years earning trust at scale. Now, we’re building the next generation of digital health – AI-powered, privacy-first, clinically backed – to help our users know their body better. The job We're looking for a Senior Product Manager (Payments) to own the strategy and execution of Flo's payments and subscription platform across Web, iOS, and Android. This is a high-impact, high-visibility role at the intersection of monetisation, platform, and operations, working closely with the VP of Product (Revenue) to shape the payment foundation that will support Flo's next stage of global growth. You will work across Product, Engineering, Data, Finance, Legal/Compliance, Support, and commercial stakeholders to build payment experiences and platform capabilities that are reliable, scalable, compliant, and growth-oriented. Payments are a core part of Flo’s growth engine and a critical platform capability for the business. As we continue to scale globally, we need strong product leadership in this area to ensure our payment stack, subscription systems, and monetisation mechanics are robust, efficient, and ready for the next stage of growth. As Senior Product Manager, Payments Platform, you will play a central role in shaping that foundation. Your Experience Must have: Significant product management experience, with strong exposure to payments, billing, subscriptions, or financial platform products Deep understanding of online payment systems and subscription mechanics, ideally in a B2C subscription or consumer app environment Experience with mobile subscription ecosystems, including Apple and Google billing environments Experience with web payment providers and billing platforms such as Stripe, Adyen, Braintree, RevenueCat, or similar Experience managing fraud and dispute processes, including chargeback mitigation and refund strategy Strong grasp of key payments concepts such as: Payment flows SCA / 3DS Tokenisation Issuer declines Retries and dunning Refunds and disputes Reconciliation Subscription lifecycle and entitlement logic Working knowledge of indirect tax compliance (VAT/GST) and how it intersects with subscription billing and multi-market operations Experience working closely with engineers on platform or infrastructure-heavy product areas Proven track record of delivering complex cross-functional initiatives in fast-paced environments Strong analytical skills and ability to use data to diagnose performance issues, evaluate trade-offs, and drive decisions Excellent stakeholder management, with the ability to work effectively across Product, Engineering, Data, Finance, Legal/Compliance, and Support Ability to balance strategic thinking with hands-on execution and operational detail Nice to have: Experience building in-house billing capabilities or implementing payment orchestration layers Familiarity with tax determination platforms such as Avalara, TaxJar, or Vertex Experience defining payment flows for external partner programmes (e.g. sponsored access, partner perks, third-party app stores) Exposure to payment automation and AI applications in payments contexts (e.g. intelligent retry logic, decline prediction, dispute automation What you'll be doing You'll be responsible for: Own the product roadmap for Flo’s payments and billing platform across Web, iOS, and Android Define and improve the end-to-end subscription and billing journey, including: Purchase and checkout flows Entitlement and receipt validation Renewals, retries, grace periods, cancellations, and refunds Paymen…