Product Manager, Payments Platform

The Community You Will Join: 

At Airbnb, if there’s anything related to money, it comes to the Payments team.  We are building a world-class payments and commerce organization - one that currently supports 191 countries, 70 currencies, connects dozens of payment providers and banks, processes multiple billions of dollars, and empowers more people to participate in our global marketplace. 

The Product team is at the center of all of the activity on our team. We play the role of conductor, enhancing our engineers, designers, and data scientists to build great product experiences. Our Payments Product Managers own and lead outcomes related to foundation, growth, and empowerment. This means our PMs set the vision, strategy, and roadmap, and execute on the plans that are developed.

Our Payments product organization has 2 domains:

• Payments and Commerce Platform - facilitating money movement and exchange of value while also fueling growth for our business
• Payments Risk and Compliance - ensuring safe and efficient payment processing

The Difference You Will Make:

This role is part of the Payments and Commerce Platform domain. As a Platform Product Manager specializing in the ways our guests can pay, you are passionate about crafting seamless and delightful payment experiences for our guests across the globe. You are a subject matter expert in ecommerce card-not-present (CNP) payments, with a deep understanding of how money moves between merchant platforms and processing partners, including payment gateways, processors, acquirers, card networks, and issuers.

You will drive the evolution of Airbnb’s guest payin platform by improving and innovating end-to-end payment capabilities. Your focus will be on launching new payment capabilities and experiences, optimizing transaction processing and orchestration, and reducing operational complexities, all while ensuring secure, reliable, and frictionless payment experiences for our community.

You thrive in ambiguity, leveraging data, experimentation, and structured business cases to solve complex problems and influence cross-functional teams that include engineers, data scientists, finance, compliance, legal, and business stakeholders. Your ability to navigate both technical and regulatory challenges, and to communicate complex payment concepts to both payments and non-payments audiences, is key to your success in this role.

If you’re excited by the challenge of scaling a global payments platform and delivering exceptional guest experiences at Airbnb, we’d love to connect with you!

A Typical Day: 

• Champion the vision for a world-class guest payins experience and processing on the Payments Platform
• Shape and execute a thoughtful, multi-year roadmap to make paying as seamless and delightful as staying at an Airbnb
• Partner closely with talented teammates across Engineering, Operations, Analytics, Partnerships, Treasury, Finance, Platform, Product Marketing, and UX Design, aligning on goals and turning big ideas into reality
• Craft clear product narratives, user stories, and requirements that keep teams inspired and focused
• Launch experiments, define meaningful success metrics, and plan smooth rollouts that scale
• Define, monitor  and analyze KPIs that inform payment success & health
• Lead the way in integrating partner products and services that elevate what platform intelligence and efficiency
• Collaborate to build actionable playbooks for solving guest payment challenges and supporting our global community
• Stay curious and connected to the latest in payments, bringing fresh ideas, best practices, and innovations to Airbnb

Your Expertise:

• 7+ years of product management experience, launching new payment methods or partner integrations across the payments ecosystem (including gateways, PSPs, networks, issuers, and acquirers)
• Deep platform payments product management know-how, building flexible products that empower a range of business customers
• Framework oriented thinker
• Hands-on collaboration with engineers, developing use cases, building inspiring narratives, prioritizing features, and making thoughtful trade-offs between short-term and long-term bets
• Proven ability to lead through influence, working cross-functionally with engineers, data scientists, finance, compliance, legal, and business partners
• Clear, compelling storyteller, confident sharing both the "why" behind your vision and digging into the details when needed
• Strong decision-making chops: skilled at prioritizing and navigating resource constraints to deliver maximum impact
• Comfortable in a startup-like environment, embracing pace, change, and ambiguity with positivity and resilience
• Highly data-driven, with robust analytical skills and a passion for using insights to drive great outcomes 

Domain Experience:

• Transaction Processing: Deep experience with real-time and batch processing, payment routing, and failover strategies across global PSPs
• Transaction Orchestration: Experience managing Cardholder Initiated Transactions (CIT), Merchant Initiated Transactions (MIT), incremental/capture flows, partial authorizations, and scheduled billing and smart retries
• Payment Retry & Optimization: Implementing intelligent retry logic, dynamic routing, and decline code analysis to maximize acceptance rates
• Authentication: Experience implementing SCA and 3DS2 
• Partner tools: Experience leveraging network tools (e.g. Network Tokens, Account Updater) and PSP capabilities to drive approvals
• Alternative Payment Methods: Integrating global/local payment rails (e.g., digital wallets, open banking, instant payments)
• Settlement & Reconciliation: Experience with multi-currency settlement, reconciliation workflows, and chargeback handling
• Payment UX: experience optimizing multi-device, multi-currency payment flows a plus
• Knowledge and experience using collaborative tools and techniques of the trade (e.g. Airtable, SQL, Google Docs, Scrum, Agile,  Figma, Invision)

Your Location:

This position is US - Remote Eligible. The role may include occasional work at an Airbnb office or attendance at offsites, as agreed to with your manager. While the position is Remote Eligible, you must live in a state where Airbnb Payments, Inc. (a subsidiary of Airbnb, Inc.) is a registered entity. Approved remote states include: Alabama, California, Florida, Georgia, Illinois, Minnesota, Mississippi, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Tennessee, Texas, and Washington. This list is continuously evolving, so please check back with us if the state you live in is excluded. If your position is employed by another Airbnb entity, your recruiter will inform you what states you are eligible to work from.

Our Commitment To Inclusion & Belonging:

Airbnb is committed to working with the broadest talent pool possible. We believe diverse ideas foster innovation and engagement, and allow us to attract creatively-led people, and to develop the best products, services and solutions. All qualified individuals are encouraged to apply.

We strive to also provide a disability inclusive application and interview process. If you are a candidate with a disability and require reasonable accommodation in order to submit an application, please contact us at: reasonableaccommodations@airbnb.com. Please include your full name, the role you’re applying for and the accommodation necessary to assist you with the recruiting process. 

We ask that you only reach out to us if you are a candidate whose disability prevents you from being able to complete our online application.