Senior Product Manager (Payments & APIs)

Join Xero, a leading global small business platform, as a Senior Product Manager in the Payments & APIs team. In this role, you will revolutionize the accounts payable process for small businesses by developing the underlying architecture that enables automated, agent-assisted, and human-directed spending. You will set the vision, define the API contracts and data models, and lead a team of engineers through a replatforming process that ensures a seamless experience for over a million monthly active users. Your impact will be measured through customer, operational, and commercial outcomes, and you will have the opportunity to shape the future of accounts payable for small businesses.

• Développer la vision, la stratégie et la feuille de route pour l'API, le modèle d'accès aux données et la couche de permission qui sous-tend les factures et les paiements de factures, en partenariat avec un ingénieur principal.
• Définir les contrats, les modèles de données et les portées de permission qui déterminent ce qu'un client peut lire, écrire, approuver et payer.
• Séquencez une replateforme d'un système servant plus d'un million d'utilisateurs actifs mensuels, avec des chemins de migration, des périodes de double fonctionnement et des plans de retour en arrière.

• Multi-persona B2B product experience. You have built a workflow serving several distinct user types whose interests conflict, and you can name a specific trade-off you made between two of them
• Significant product management experience in a software development environment, across the full product lifecycle — typically five or more years in product, or comparable time as a founder, consultant or technical individual contributor in a payments and/or commerce domain
• Substantive AI product experience. You have shipped an LLM-powered capability that customers actually used, and you can talk about evaluations, failure modes and confidence thresholds unprompted — including what your product got wrong in production and what you did about it. You use AI aggressively in your own work and prototype in code
• Error-intolerant domains. You have built products where a mistake costs money or carries regulatory consequence — payments, payroll, tax, treasury, lending, legal or clinical workflows
• Experience shipping below the UI. You have delivered changes to APIs, integration layers or shared services as part of delivering a wider product, and you know what it costs to change a contract other people depend on. Ideally you have owned a public or partner API through a breaking change
• Deep accounts payable, bookkeeping, accounting or finance-team domain experience is a strong advantage but not a requirement, and experience with payment rails, regulatory-gated launches or fintech infrastructure is similarly valuable
• Product experience confined to feature delivery on top of an existing platform, without direct involvement in the interfaces, contracts or data models underneath, is unlikely to be enough on its own for this role
• Experience developing successful product strategies, roadmaps and long-term plans — setting direction rather than receiving a spec
• Self-direction under ambiguity, with minimal supervision required to define direction and drive outcomes
• Demonstrated ability to operate in technically complex and highly ambiguous environments, and to start before the problem is fully defined
• Strong product judgement and the ability to make decisions with incomplete information
• A track record of owning activation, retention, revenue or an equivalent metric and moving it — you can name the metric, the movement, and the trade-off you made to get it
• A strong track record of addressing customer needs through the innovative use of technology
• Demonstrated ability to influence decisions at all levels of an organisation
• Understanding of product economics, including volume, cost, margin, pricing and revenue
• Ability to work as a peer with engineers and architects on platform design, APIs, data models, permission and authorisation models, system dependencies and technical trade-offs
• Experience evaluating third-party providers and making build, buy or partner decisions
• Familiarity with the regulatory, risk, security and operational considerations involved in moving money
• Understanding of migration and replatform sequencing in a live, high-volume system, and of the risks that come with it
• Strong understanding of how AI and agent systems are built and evaluated, including retrieval, tool use, evaluation design and the limits of model reliability
• Ability to translate customer and business needs into clear product requirements and technical specifications
• Ability to identify and clearly articulate complex customer problems — and to talk about users in the plural
• Ability to establish meaningful success criteria and monitor ongoing performance
• Experience developing MVPs, incremental solutions and experiments that validate product assumptions
• Strong analytical skills, using quantitative and qualitative data to make decisions
• Ability to translate complex information for technical, commercial, operational and executive audiences
• Strong experience conducting customer research and converting insight into product decisions
• Willingness to disagree with an engineer, and to be disagreed with, in service of the customer
• Experience mentoring and coaching Product Managers and cross-functional team members
• Strong communication, facilitation and stakeholder-management skills, and comfort presenting to executives and to customers
• Demonstrated success working with diverse stakeholder groups across multiple engineering teams, geographies and third-party partners
• Ability to lead through influence across Product, Engineering, Design, Risk, Compliance, Operations, Finance and Go-to-Market
• Ability to navigate difficult decisions, resolve ambiguity and create alignment across teams and geographies