Senior Product Manager - B2B Payments

San Jose, CaliforniaProduct – Product Management /Full-time /On-siteAppZen is the leader in autonomous spend-to-pay software. Its patented artificial intelligence accurately and efficiently processes information from thousands of data sources so that organizations can better understand enterprise spend at scale to make smarter business decisions. It seamlessly integrates with existing accounts payable, expense, and card workflows to read, understand, and make real-time decisions based on your unique spend profile, leading to faster processing times and fewer instances of fraud or wasteful spend. Global enterprises, including one-third of the Fortune 500, use AppZen’s invoice, expense, and card transaction solutions to replace manual finance processes and accelerate the speed and agility of their businesses.At AppZen, we value candidates who are actively using AI tools to enhance productivity, automate repetitive tasks, and solve problems more efficiently. Across all roles, we are looking for team members who leverage AI in meaningful ways to drive impact in their work.To learn more, visit us at .We're looking for a Senior Product Manager to help define how AppZen integrates with external payment infrastructure providers, enabling customers to move from an approved financial obligation to a completed, reconciled payment. This role is about determining the right partners to integrate with, owning those integrations end to end, and designing a payment experience that fits naturally into an AI-driven finance workflow! We're looking for someone who has done this before and understands the payments landscape well enough to evaluate providers, navigate complex integrations, and bring an enterprise-grade payments capability to market.What You'll Do:Define the product strategy for extending AppZen's platform into payments, including which capabilities to own directly versus provide through partnersDevelop a deep understanding of the payment infrastructure landscape and identify, evaluate, and select the external providers AppZen integrates withBuild the evaluation criteria used to select payment partners, spanning capability, reliability, security/compliance, and commercial termsOwn payment integrations end-to-end, partnering closely with engineering and provider teams from architecture through productionDesign the end-to-end payment experience — from an approved financial obligation through execution, monitoring, and reconciliationDefine how AI-driven automation extends safely into payment execution, working within enterprise controls such as authorization, approval thresholds, and fraud preventionTranslate complex enterprise payment requirements into product capabilities that scale across customers rather than one-off implementationsPartner with Engineering, Legal, Compliance, Sales, Customer Success, and Marketing to take new capabilities from concept through customer adoptionWhat We're Looking For:5+ years of product management experience, including meaningful time focused on payments, fintech, or payment infrastructureDirect, hands-on experience building or integrating B2B payment capabilities into a software productExperience evaluating and selecting payment processors, banks, networks, or other payment infrastructure providersExperience taking at least one payment product or integration from concept through production launchStrong understanding of core payment lifecycle concepts — authorization, settlement, reconciliation, and exception handlingComfortable working directly with engineering and provider technical teams on complex, API-driven integrationsStrong product judgment, including the ability to make build-versus-partner decisionsExcellent written and verbal communication skills, with the ability to work effectively across cross-functional teamsNice to Have:Experience with cross-border or multi-currency payment infrastructureBackground at a payment processor, card issuer, bank, or embedded finance/payments platformExperience integrating payments with ERP, AP, procurement, or expense systemsBachelor's degree or equivalent experienceBenefits:Competitive salary and bonus or variable incentive pay (role-dependent)Comprehensive medical, dental, vision, and life insuranceUnlimited PTOPaid parental leave (eligible employees)401(k) match$250 annual learning & development reimbursementOnsite gym access for HQ (San Jose) employeesOffice perks: snacks, happy hours, and company eventsNote: Benefits apply to full-time employees only$180,000 - $225,000 a yearAppZen is committed to fair and equitable compensation practices.The base pay range for this role is posted above. Actual compensation packages are based on several factors unique to each candidate, including skill set, depth of experience, certifications, and specific work location. This may differ in other locations due to cost-of-labor differences.The total compensation package may also include annual performance bonus, equity, benefits, and/or other applicable incentive compensation plans.We are an equal opportunity employer and value diversity. All employment is decided on the basis of qualifications, merit and business need.You can find our Privacy Notice linked on the bottom of our appzen.com website.We may use artificial intelligence tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans.