Product Lead Core Payments (m/f/d)

Permanent employee, Full-time · Berlin

Your Mission

As the Product Manager (m/f/d) for core payment systems, you'll drive the optimization and integration of our core financial infrastructure. You'll own processing and reconciliation of our payment flows, system integrations, and financial reporting capabilities, focusing on reliability, accuracy, and scalability.

Key Responsibilities:

Product Strategy:

Define product strategy for financial systems integration, balancing technical requirements with business needs
Develop roadmap for system improvements including payment processing, reconciliation, and reporting
Identify opportunities to enhance financial data flows and reduce manual processes

Technical Product Development:

Partner with engineering on backend system architecture and integrations
Create scalable solutions for payment processing and financial data management
Design and implement integration patterns between SAP and enterprise systems
Drive development of automated financial reporting capabilities

Cross-functional Leadership:

Work closely with finance teams to understand accounting requirements
Collaborate with data teams on reporting infrastructure
Partner with engineering on technical architecture decisions
Engage with business stakeholders to align on priorities

That's What You Bring Along

5+ years product management experience with financial/backend systems
Strong technical background with understanding of system architectures
Experience with ERP systems and financial integrations
Excellence in stakeholder management and technical communication
Track record of delivering complex technical initiatives

Equal Opportunities & Diversity

We value our diversity and welcome everyone to our team. Regardless of ethnic and social background, religious views, worldview, gender, sexual orientation, physical and mental limitations, age, marital status, educational background and nationality. With over 250 employees and 40 different nationalities, we take our values seriously. These include; ownership, growth, integrity, collaboration, customer centricity and inclusion.

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About us

We are where we are because we work together as one team. Because we got the freedom to execute ideas. And above everything: because we never stop improving. Here it is all about shared goals not about the big ego. We are dedicated pros (more than 250 of them) not cons. We embrace being courageous, committed and decisive, warm-hearted and having a will to win.

We have our origin in the heart of the payment scene and cover the whole value chain from integration support to the dunning process with a core of AI-based risk management. With us, you can integrate direct debit, instalments and prepayment. In other words: the favourite payment methods in Germany, Austria and Switzerland (the Dutch like it too). Located in the middle of Europe’s fintech metropolis (Berlin) we are proud to work with major partners such as Eurowings, Ebay and About You and hundreds more.

Deine Mission

As Product Lead for Merchant Onboarding (m/f/d) at Ratepay you´ll lead the end-to-end merchant onboarding experience, from sign-up to platform integration. You design the strategy and user journey while orchestrating cross-team collaboration to deliver a seamless process that drives merchant satisfaction and accelerates time-to-value.

Key Responsibilities:

Product Strategy:

Create the product strategy for merchant onboarding that aligns with business goals and customer needs.
Develop a roadmap to reduce friction, increase activation rates, and streamline onboarding through automation.

Technical Product Development:

Guide engineering teams in designing backend systems and integrations for seamless onboarding.
Build scalable solutions for merchant data collection, verification, and system integration.
Create efficient, user-friendly, and compliant onboarding flows.
Implement self-service features to minimize manual effort.

Cross-functional Leadership:

Partner with commercial teams and technical integration managers to identify merchant pain points and requirements.
Coordinate with sales and marketing teams to build intuitive experiences.
Align with compliance and legal teams to meet regulatory requirements.
Drive analytics initiatives to track metrics and uncover actionable insights.

Customer-centric Focus:

Execute user research to improve the onboarding experience continuously.
Create comprehensive resources including tutorials, guides, and FAQs.
Track key metrics and implement data-driven improvements.

Das bringst Du mit

Bring 5+ years of product management experience, focusing on onboarding and user activation (B2B preferred)
Demonstrate strong understanding of merchant onboarding processes
Show technical aptitude with backend systems, APIs, and integrations, experience with SalesForce is a plus but not a must have.
Present proven success delivering complex, customer-centric products
Possess excellent stakeholder management and communication skills
Display proficiency with data analytics tools like Tableau
Maintain knowledge of compliance requirements (KYC, AML)
Exhibit strong problem-solving skills and passion for customer experience

Chancengleichheit & Vielfalt

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Über uns

We dare to design the future of payments. Ratepay is energy and diversity and: custom-made state-of-the-art payment solutions. Established in 2009 we were a fintech before the word fintech even existed. Today we are the number one white-label Buy Now Pay Later payments provider in Europe handling over 2.5M transactions per month and we’re constantly growing.

We are where we are because we work together as one team. Because we got the freedom to execute ideas. And above everything: because we never stop improving. Here it is all about shared goals not about the big ego. We are dedicated pros (more than 210 of them) not cons. We embrace being courageous, committed and decisive, warm-hearted and having the will to win.

We have our origin in the heart of the payment scene and cover the whole value chain from integration support to the dunning process with a core of AI-based risk management. With us, you can integrate direct debit, instalments and prepayment. In other words: the favourite payment methods in Germany, Austria and Switzerland (the Dutch like it too). Located in the middle of Europe’s fintech metropolis (Berlin) we are proud to work with major partners such as Eurowings, Ebay and About You and hundreds more.

Apply for this job

Your application

Thank you for considering a career at Ratepay GmbH. Please fill out the following form. In case you are experiencing problems with the document upload, mail your documents to jobs@ratepay.com.