As a Senior Product Manager, you will lead the Authentication products as part of the Payment Optimization product team. As part of this team, you will help enable PayPal Enterprise Merchants to increase authorization rates, reduce transaction costs, and secure their checkout via advanced authentication tools and strategies.The role involves defining and executing a product roadmap for authentication, including 3D Secure and Smart Authentication (ML-driven decisioning). This role also includes managing products that are adjacent to authentication, such as Data Only flows. It requires balancing regulatory requirements with conversion goals and fraud mitigation, while aligning customer needs and product profitability.The position emphasizes improving the merchant experience through scalable tooling and measurable outcomes. Responsibilities also encompass cross-functional collaboration with various product teams, engineering, risk, legal, compliance, and external industry partners. This position will also include driving adoption of new products in coordination with Go-To-Market (GTM) teams, monetization and pricing including an understanding of pricing models and scheme fees. This job is an individual contributor.
Essential Responsibilities:
- Inputs to product strategy with cross-functional stakeholders consistent with the shared vision for the product.
- Implements the architectural roadmap that balances innovative design and technical implementation, while balancing regulatory requirements, time-to-market, meeting customer needs and product profitability.
- Controls for the customer experience and customer needs in product requirements and as an input to decision making.
- Monitors metrics that inform the success of products including usability studies, research and market analysis.
- Manages one or more workstreams to include analytics, customer discovery, market research and competitive analysis to drive data-driven decision-making.
- Monitors product profitability measures, including budget.
- Participates in operational mechanisms that drive execution and accountability including Product Reviews, Operating Reviews, and Business Reviews. Interfaces with product leadership as needed.
- Partners with content developers, data scientists, product designers and user experience researchers.
Minimum Qualifications:
- Minimum of 8 years of relevant work experience and a Bachelor's degree or equivalent experience.
- Identifies Enterprise merchant problems and understand how to solve for them with Authentication products
- Advises merchants on 3DS2, exemptions (TRA, low-value, whitelisting), SCA/PSD2, and global authentication landscapes
- Collaborates with cross-functional stakeholders and product managers consistent with the shared vision for the Payment Optimization suite or products.
- Manages the roadmap for Authentication products balancing merchant needs, technical scalability, global regulations (e.g., PSD2, SCA, RBI) and compliance.
- Monitors metrics that inform the success of products including authentication, authorization, risk, and merchant adoption.
- Owns and manages product profitability, including defining monetization strategy, evaluating pricing models (flat, IC+, IC++ and scheme fees into pricing decisions.
- Leads new product introduction and adoption, working closely with Go-To-Market (GTM) teams to ensure successful rollout, merchant onboarding, and market traction.
- Collaborate with external stakeholders (Visa, Mastercard, EMVCo, issuer networks) to shape industry direction and incorporate the latest innovations
- Participates in operational mechanisms such as Product Reviews, Operating Reviews, and Business Reviews; interfaces with product and executive leadership as needed.
Travel Percent:
The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit .
The US national annual pay range for this role is $152,500 to $262,350
Our Benefits:
Any general requests for consideration of your skills, please