Payments & Fraud Product Manager

Why Join Us

• Join Rail Europe in a role at the heart of payment performance, fraud prevention, and customer experience across B2C, B2B and Groups.
• Work on a high-impact scope where payment acceptance, failed transactions, chargebacks and fraud rules directly influence conversion, revenue protection and operational efficiency.
• Take ownership of a transversal product area, collaborating with internal teams and external partners to make payment journeys more reliable across markets, currencies and payment methods.
• Bring your payments and fraud expertise into a pragmatic product environment, where analytical thinking, business sense and clear prioritisation are essential to create value.

What You’ll Do

Payments & Fraud Product Ownership

• Own the payments and fraud product scope across Rail Europe products.
• Support B2C, B2B, Groups and related teams on payment and fraud topics.
• Identify and prioritise improvements linked to payment reliability, fraud prevention and business performance.
• Structure product needs clearly in a context with no dedicated product team or dedicated engineering capacity for this scope.

Payment Performance

• Monitor key indicators such as acceptance rate, failed payments and chargebacks.
• Investigate performance issues and define practical actions to improve results.
• Work on routing, retry logic, fallback logic, payment methods and currencies.
• Support decisions linked to current and potential payment providers.

Fraud & Risk

• Contribute to fraud strategy and fraud rule optimisation.
• Work with the Anti-Fraud team and relevant stakeholders on fraud performance topics.
• Analyse fraud trends and operational pain points.
• Help find the right balance between fraud protection, payment acceptance and customer experience.

Partner & Provider Management

• Manage relationships with payment and fraud partners.
• Follow partner performance and challenge partners when needed.
• Assess provider capabilities, integration constraints and operational impacts.
• Use API documentation and technical information to support product and engineering discussions.

Cross-functional Collaboration

• Translate payment and fraud needs into clear product requirements for Engineering.
• Collaborate with Product, Finance, Operations and business teams on payment-related priorities.
• Use data, partner insights and business context to support decisions.
• Act as the internal point of reference for payments and fraud product topics.