Product Manager - Payments Network

About the Company

Rain makes the next generation of payments possible across the globe. We’re a lean and mighty team of passionate builders and veteran founders. Our infrastructure makes stablecoins usable in the real-world by powering card transactions, cross-border payments, B2B purchases, remittances, and more. We partner with fintechs, neobanks, and institutions to help them launch solutions that are global, inclusive, and efficient. You will have the opportunity to deliver massive impact at a hypergrowth company that is funded by some of the top investors in fintech, crypto, and SaaS, including Sapphire Ventures, Norwest, Galaxy Ventures, Lightspeed, Khosla, and several more. If you’re curious, bold, and excited to help shape a borderless financial future, we’d love to talk.

Our Ethos

We believe in an open and flat structure. You will be able to grow into the role that most aligns with your goals. Our team members at all levels have the freedom to explore ideas and impact the roadmap and vision of our company.

About the Role

Rain is seeking a Product Manager with deep expertise in card networks and payment processing to lead the development and optimization of our payment network capabilities. This role requires a strategic thinker with a strong technical understanding of card scheme operations, transaction routing, and settlement processes, along with the ability to drive product initiatives that improve performance, reduce costs, and ensure compliance across global networks. You’ll work cross-functionally with engineering, compliance, operations, and partner teams to expand our network integrations, optimize transaction economics, and deliver best-in-class payment experiences for our users.

What You’ll Do

• Own the end-to-end roadmap for network integrations and payments infrastructure

• Define product requirements and KPIs for transaction routing, authorization optimization, interchange efficiency, and settlement accuracy

• Collaborate with executives to align product strategy with business and revenue goals

• Serve as the in-house expert on card network rules, mandates, interchange structures, and scheme fee frameworks

• Ensure the product complies with evolving card scheme regulations and regional payment requirements

• Partner closely with engineering to design and deliver scalable network integration architectures

• Work with compliance and legal to ensure network compliance and data security

• Coordinate with operations and finance teams on settlement reconciliation, fee forecasting, and dispute management

• Manage relationships with external acquirers

• Analyze network performance metrics (authorization rates, decline codes, latency, interchange costs)

• Develop tools and dashboards to monitor and improve transaction success rates and economics

What we're looking for

• 8+ years of experience in payments, preferably with a focus on card network operations or issuer/acquirer relationships

• Deep understanding of Visa, Mastercard, Amex, and regional payment networks

• Strong knowledge of authorization flows, settlement, chargebacks, and interchange

• Proven ability to translate complex financial and regulatory systems into product requirements

• Experience working with payment processors, gateways, or payment orchestration platforms

• Technical fluency with APIs, data models, and transaction lifecycle workflows

• Excellent stakeholder management and communication skills — able to operate effectively with engineering and executive teams alike

• Bachelor’s degree in Business, Economics, Finance, or Computer Science; MBA or equivalent experience preferred

Nice to have, but not mandatory

• Prior experience at a card network, issuer processor, or acquirer

• Exposure to tokenization, network token services (MDES/VTS), network mandates, or EMV and PCI compliance

• Familiarity with global payments ecosystems, including cross-border or real-time payment systems

• Blockchain knowledge

Things that enable a fulfilling, healthy, and happy experience at Rain:

• Unlimited time off 🌴 Unlimited vacation can be daunting, so we require Rainmakers to take at least 10 days off.

• Flexible working ☕ We support a flexible workplace. If you feel comfortable at home, please work from home. If you’d like to work with others in an office, feel free to come in. We want everyone to be able to work in the environment in which they are their most confident and productive selves. New Rainmakers will receive a stipend to create a comfortable home environment.

• Easy to access benefits 🧠For US Rainmakers, we offer comprehensive health, dental, and vision plans for you and your dependents, as well as a 100% company subsidized life insurance plan.

• Retirement goals💡Plan for the future with confidence. We offer a 401(k) with a 4% company match.

• Equity plan 📦 We offer every Rainmaker an equity option plan so we can all benefit from our success.

• Rain Cards 🌧️ We want Rainmakers to be knowledgeable about our core products and services. To support this mission, we issue a card for our team to use for testing.

• Health and Wellness 📚 High performance begins from within. Rainmakers are welcome to use their card for eligible health and wellness spending like gym memberships/fitness classes, massages, acupuncture - whatever recharges you!

• Team summits ✨ Summits play an important role at Rain! Time spent together helps us get to know each other, strengthen our relationships, and build a common destiny. Expect team and company off-sites both domestically and internationally.