Product Manager – Payments - Card Authorisations

We know life looks a little different for each of us. That’s why at Tesco, we always welcome chats about flexible working. Some people are at the start of their careers, some want the freedom to do the things they love. Others are going through life-changing moments like becoming a carer, nearing retirement, adapting to parenthood, or something else. So, talk to us throughout your application about how we can support.

Tesco is one of Europe’s largest retailers and accepts over 2.5 billion customer payments per year.

As a Product Manager for the Card Processing Front Office team, you will drive the product strategy, roadmap and execution for payment processing technology at Tesco. Your mission is to ensure that payments are better for our customers and simpler for our colleagues. 

We are in full control of the payment lifecycle, protecting customer data throughout. We enable innovation through a developer-friendly, omnichannel retail platform that is controlled, built, and operated by Tesco.

Our products are effective, efficient, safe, and exciting. Our portfolio of payment products includes card payment readers and cash acceptance instore and across our petrol filling stations, digital checkouts, payment gateways, payment data security, payment history, and our Tesco wallet.

We are based in office locations in the United Kingdom (London and Welwyn Garden City), India (Bengaluru) and Hungary (Budapest). We are responsible for payment experience and processing for all Tesco markets globally.

• You will be the payment domain expert for Tesco, handling trade-offs and able to collaborate expertly with both technical and non-technical audiences.
• You will initiate product discovery and identify opportunities to deliver increments that are desirable for customers and colleagues, technically feasible, and viable for the Tesco business.
• You will manage and grow a leading authorisation gateway, responsible for processing over 2.5 billion transactions per year and expand our payment offering to our customers, optimising our processing & acceptance rates through to our acquirers and issuers.
• You will be the payment domain expert and own the technical relationship with our acquiring partners, being able to understand, manage and ensure we adhere to regulatory & scheme mandates.
• Contribute to our broader payment strategy, including; new payment experiences, the future of card payments, open banking, native wallets, closed loop schemes and much, much more.
• Work as part of the Payments team in Tesco Technology, a cross-functional Agile product development team of engineers, technology product managers and programme managers. 

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• Must have strong online payments domain experience, within a UK/EU Payment Gateway, PSP, Acquirer, Scheme or Issuer and well connected across the payments industry.
• Has experience with integrations to Payment Gateways and alternative payment methods.
• Good understanding of PSD2 rules on Strong Customer Authentication (SCA)
• Experience of Marketplace payments would be an advantage
• Has delivered change in a Retail environment (in-store, online)
• Leadership of an API or platform product to build new lines of business
• Efficient in stakeholder management
• Able to influence and guide partner product teams
• Business process mapping, workflow optimisation, human centred design
• Technically proficient to influence and understand the solution context and approach (legacy, tactical, strategic) and trade-offs in software development choices
• Built scalable, resilience transactional services as part of a wider service orientated architecture for multiple consumers and front-end apps to use, e.g., Tills, Online
• Demonstrates progress against Objectives and Key Results
• Has taken multiple ideas through the software development lifecycle, from conception to go-live and ongoing optimisation

We’re all about the little helps. That’s why we give our wonderful colleagues bags of benefits. Including wellbeing services, an award-winning pension scheme and much, much more, our colleague reward package keeps on giving. And helps make every day a little better for you and your family. These include but are not limited to:

• Annual bonus scheme of up to 20% of base salary
• Holiday starting at 25 days plus a personal day (plus Bank holidays)
• Buy holiday salary sacrifice scheme (for salaried roles)
• Private medical insurance
• Retirement savings plan - save between 4% and 7.5% and Tesco will match your contribution
• Life Assurance - 5 x contractual pay
• 26 weeks maternity and adoption leave (after 1 years’ service) at full pay, followed by 13 weeks of Statutory Maternity Pay or Statutory Adoption Pay, we also offer 4 weeks fully paid paternity leave
• The right to request flexible working from your first day with us
• Free 24/7 virtual GP service, Employee Assistance Programme (EAP) for you and your family, free access to a range of experts to support your mental wellbeing
• A Colleague Clubcard for you & a family member (after 3 months of service), giving you access to lots of discounts in-store & online
• Great colleague deals and discounts, saving you money on everyday purchases, eating out and utility bills for the home
• Access to our colleague networks providing a space for colleagues to come together from a range of backgrounds. For more information about our colleague networks please click here
• Opportunities to get on - take advantage of our ongoing learning opportunities and award-winning training, to help you achieve the job and career you want

Click Here to read more about the full range of benefits we have available for our colleagues

Our vision at Tesco is to become every customer's favourite way to shop, whether they are at home or out on the move. Our core purpose is ‘Serving our customers, communities and planet a little better every day’. Serving means more than a transactional relationship with our customers. It means acting as a responsible and sustainable business for all stakeholders, for the communities we are part of and for the planet.

We are proud to have an inclusive culture at Tesco where everyone truly feels able to be themselves. At Tesco, we not only celebrate diversity, but recognise the value and opportunity it brings. We're committed to creating a workplace where differences are valued, and make sure that all colleagues are given the same opportunities. We’re proud to have been accredited Disability Confident Leader and we’re committed to providing a fully inclusive and accessible recruitment process. For further information on the accessibility support we can offer, please click here.

We’re a big business and we can offer a range of diverse full-time & part-time working patterns across our many business areas, which means that we can find something that works for you.  We work in a more blended pattern -combining office and remote working.  Our offices will continue to be where we connect, collaborate and innovate.