Company Description

We’re Checkout.com - you might not know our name, but we’re behind many of the digital experiences people use every day.

When you book a holiday, order food, renew a subscription or check out online with brands like Spotify, Klarna, Uber Eats, TikTok, Sony, or eBay, there’s a good chance our technology powers the payment behind the scenes.

At Checkout.com, we’re building where the world checks out - enabling over ten billion transactions every year for more than one billion shoppers globally. Our platform helps the world’s most ambitious businesses deliver seamless digital experiences at scale.

We’re also building a company designed for people who want to do career-defining work. We move fast, think globally, and believe great teams are built by hiring exceptional people with conviction, curiosity, and a focus on impact.

With 20 offices across six continents and London as our HQ, we’re shaping the future of fintech and we’re just getting started.

Product Manager: Secure & Exchange (Vault & Forward API)

This role owns one of Checkout.com’s most strategic bets: becoming the system of record for payment credentials, independent of acquiring.

You will lead Vault and Forward API - the core infrastructure that enables PSP-agnostic architectures, network-token-first strategies, and the shift toward PAN-less commerce.

This is a mini-GM role spanning product strategy, infrastructure, and commercial ownership.

What You’ll Own

Strategy & Commercial Ownership

• Define and drive a 12 - 36 month strategy for Vault and Forward API

• Own pricing, packaging, and revenue expansion (including standalone Vault deals)

• Build and defend investment cases (cost-to-serve, scheme fees, unit economics)

• Partner with Sales and Solutions to win enterprise, multi-PSP merchants

Vault: Credential Platform

• Define core primitives: instruments, customers, tokens, multi-instrument linking, metadata

• Own PCI DSS 4.x posture and translate compliance into merchant value

• Ensure first-class integration with network tokens and account updater services

• Drive interoperability with wallets, Flow, and broader Checkout.com surfaces

Forward API: Programmable Infrastructure

• Own credential forwarding: source resolution, request construction, encryption, token injection, and response handling

• Expand beyond fallback use cases (fraud tools, 3DS, loyalty, partner migrations)

• Ensure reliability, latency, and observability on the critical payment path

• Build debugging and visibility tools for developers

Developer Experience

• Own the public API surface across Vault and Forward

• Drive SDKs, documentation, and reference architectures

• Reduce integration time from months to days

Cross-Functional Leadership

• Partner with Engineering to deliver reliably at scale

• Align with Risk, Compliance, and Legal on PCI scope, regulation, and scheme changes

• Work across Authentication, Routing, and other product teams to ensure seamless credential flows

What You’ll Bring

Product & Technical Depth

• 5+ years in product management, including 3+ years in payments

• Experience building developer-facing APIs (REST, webhooks, idempotency, error design)

• Strong technical fluency (OAuth, mTLS, encryption, system design trade-offs)

Payments Expertise

• Deep understanding of the card stack (auth, capture, disputes, scheme economics)

• Strong grasp of tokenisation (network, PSP, device-based)

• Familiarity with PCI DSS (ideally v4.x) and scope reduction

• Experience with scheme programs (VTS, MDES, account updater)

Commercial & Execution Strength

• Ability to own P&L inputs and pricing strategy

• Data-driven decision making with clear success metrics

• Comfortable operating across product, engineering, sales, and compliance

How You Work

• Customer-obsessed with real merchant empathy

• Clear communicator across technical and non-technical audiences

• High ownership with strong cross-functional collaboration

Bonus

• Experience building PSP-agnostic vaults or forwarding layers

• Exposure to regulated markets (EU, UAE, India, Brazil)

• Familiarity with emerging models (e.g. agentic commerce)

• Industry presence (writing, speaking, or scheme participation)

Additional Information

Bring all of you to work

We create the conditions for high performers to thrive, through real ownership, fewer blockers, and work that makes a difference from day one.

Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity, and where your growth is in your hands.

We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here.

It’s important we set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable.

Life at Checkout.com

We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection.

Curious about what it’s like to be part of our team? Visit our Careers Page to learn more about our culture, open roles, and what drives us.

For a closer look at daily life at Checkout.com, follow us on LinkedIn and Instagram