We are Billie, the leading provider of Buy Now, Pay Later (BNPL) payment methods for businesses, offering B2B companies innovative digital payment services and modern checkout solutions. We are to create a new standard for business payments and have made it our mission to simplify the purchasing experience for all businesses making it a tool for growth. Our solutions are based on proprietary, machine-learning-supported risk models, fully digitized processes and a highly scalable tech platform. This makes us a deep-tech company building financial products, not the other way around. We love building simple and elegant solutions and we strive for automation and scalability.

Join Billie as a Senior Product Manager - Payments Risk and Conversion
Shape the future of our payment offerings by solving one of the most challenging and impactful problems in fintech.

In this pivotal role, you will drive the delicate balance between maximizing conversion rates and minimizing financial losses, ensuring a seamless and secure payment experience for our customers.

We're seeking a results-driven, strategic thinker who thrives in making complex trade-off decisions within a dynamic, multi-sided business ecosystem. Your expertise will empower Billie to gather and leverage reliable data, enabling accurate risk assessments, reducing fraud, and keeping buyer friction to a minimum—all while driving innovation in payment risk management.

What will you do:

• Own the product domain's vision, strategy and roadmap and drive their execution.

• Ensure your cross-functional team of engineers and data scientists solves the most relevant payment risk-related problems for customers and the business.

• Drive the continuous and iterative execution of product discovery, solution design and delivery.

• Generate and share insights from analyzing customer behaviour and risk performance data.

• Define and validate hypotheses on improving Billie's risk solutions, both for Billie's risk platform as a whole and in the context of individual merchants and markets.

• Collaborate closely with Underwriting, Commercial and other significant business stakeholders and segments across Billie.

• Work with other product teams to understand problems holistically and develop solutions that support Billie’s goals and strategy.

Who we are looking for:

• 3−4+ years of experience in a Product Management role, delivering user-facing or platform products.

• A strong professional background in the Fintech or Payments industry. You understand the fundamentals of payment processing, transaction lifecycles, and the key players involved.

• A proven ability to make tough priority calls and navigate complex trade-offs between user experience, business growth, and operational risk.

• Obsession for optimizing the customer experience.

• Experience working effectively in a cross-functional team, collaborating with engineering, data science, and business stakeholders.

• Excellent analytical and problem-solving skills. You are comfortable using data to find opportunities and make decisions (proficiency in SQL is a strong plus).

• A clear and compelling communication style, with the ability to champion the user's perspective and articulate complex ideas to any audience.

What we offer:

• Challenging and impactful work that drives personal and professional growth

• One of the best Virtual Shares Incentive Programs in the market, so that everyone at Billie is invested in our success

• Flexible work hours and trust in your ability to deliver, empowering you to take control of your work-life balance

• A hybrid working approach that allows you to work from home for up to 3 days per week

• Enjoy 30 days vacation per year on top of paid public holidays, sabbatical opportunities, and extra child sickness leave for parents.

• Our “Catch a Ride with Billie” program that enables discounted access to Berlin Public Transport (BVG), Deutschland-Ticket, OR JobRad

• A yearly development budget to broaden your skill set and horizons

• Free German group classes

• An English-speaking, multicultural team with more than 40 nationalities

• Building meaningful connections with your colleagues through company and team events, interest groups, the Billie run club, game nights, and more, powered by our Formula Fun Team!