PayPay Card is at the forefront of Japan’s cashless revolution. We’re seeking passionate, results-oriented Product Managers to own and deliver high-impact solutions that redefine the credit card and payments landscape. If you’re driven by complex challenges, thrive in a fast-paced environment, and want to build products that touch millions of lives daily, we want to hear from you.
This role will involve leading initiatives across areas such as:
- Core Payment Processing & Infrastructure: Modernizing and enhancing our core authorization, clearing, and settlement systems, including cloud migration initiatives.
- Lending Products & User Experience: Developing and optimizing our products, focusing on improving user flexibility and accessibility.
- Acquiring Solutions & Merchant Enablement: Expanding our acquiring capabilities and enabling new payment acceptance methods.
- Risk Management & Compliance: Implementing and enhancing fraud detection and management systems, ensuring compliance with critical regulations.
- Operational Efficiency & Automation: Identifying opportunities to streamline internal processes through automation.
- Customer Value & Engagement: Integrating card features and promotions within the PayPay app ecosystem.
- Generative AI: Exploring and implementing AI solutions to improve internal operations and customer interactions.
Responsibilities
- Lead the end-to-end product lifecycle for complex initiatives, from ideation and requirements gathering through development, launch, and post-launch analysis.
- Translate complex business requirements and user needs into clear, detailed Product Requirement Documents (PRDs), user stories, user flows, and acceptance criteria.
- Define and articulate the product vision, strategy, and roadmap for your designated product areas, ensuring alignment with company objectives.
- Collaborate intensively with engineering, design, data, marketing, legal, compliance, and operations teams throughout the product lifecycle to ensure successful product delivery and adoption.
- Manage project timelines, prioritize features, and navigate trade-offs to ensure timely and high-quality delivery.
- Define and monitor key performance indicators (KPIs) to measure product success and identify areas for improvement.
- Conduct market research, competitive analysis, and gather customer feedback to inform product decisions.
- Communicate product updates, progress, and results effectively to stakeholders at all levels, including senior leadership.
- Develop a profound understanding of the credit card domain, payment processing, relevant Japanese laws, and our current system specifications, leveraging documents in both English and Japanese.
Requirements
- Bachelor’s degree in Computer Science, Engineering, a related technical field, or at least 3 years of technical experience.
- 5+ years of experience in product management.
- Demonstrated success in launching and iterating on complex products in a fast-paced environment.
- Experience working closely with engineering teams and familiarity with agile development methodologies.
- Strong analytical skills with the ability to define KPIs, analyze data, and make data-driven decisions.
- Ability to manage multiple priorities and stakeholders effectively.
- Business level proficiency in Japanese (written and verbal).
Nice to haves
While not specifically required, tell us if you have any of the following.
- Understanding of credit card processing (issuing and/or acquiring), lending products, or risk management (fraud, credit, compliance).
- Experience with regulatory compliance projects (e.g., AML/CFT, network mandates).
- Experience working with fraud detection and risk management systems.
- Experience with system modernization or cloud migration projects.
- Experience working with external vendors and managing technical integrations.
- Experience in the Japanese market or with Japanese payment systems/regulations.
- Hands-on experience with AI/ML applications in financial services (e.g., chatbots, fraud detection, LLM using RAG).
