Product Manager - Payments and Refund Processing

About Ensek

Ensek builds the cloud‑native SaaS software that’s transforming how energy retailers operate, innovate and manage at scale.

We help retailers lower operating costs, improve billing accuracy for consumers, and enhance customer experience through automation and AI‑driven insight, all underpinned by modern, cloud‑native architecture.

Ensek is at an exciting inflection point as we scale at pace towards new international horizons. If you’re driven by solving complex, real‑world problems and want to build modern technology that accelerates the global energy transition, you’ll feel right at home with us.

Position Summary:

Reporting to the Head of Payments, Risk and Collections, the Payments & Refund Processing Product Manager will own the full payment processing lifecycle. This includes all credit and debit transactions in our large portfolio of payment methods, mechanisms and channels. You will be making autonomous product decisions grounded in user insight, data, and commercial awareness. You'll bring together engineering, commercial, design, and customer teams — bridging the gaps to ensure what gets built actually solves the right problems. You bring strategic thinking to your area while remaining hands-on enough to unblock your team and maintain delivery momentum.

Key accountabilities and responsibilities:

• Own the strategy, vision and roadmap for payment and refund processing — engaging users, stakeholders and commercial partners to define, validate and iterate it continuously, using competitive intelligence and AI tools to inform positioning.

• Drive internationalisation of payment capabilities, ensuring the platform supports compliant payment processing across each regulatory jurisdiction without bespoke builds.

• Make evidence-based prioritisation decisions, estimating the effort and value of roadmap items, using AI-powered estimation tools to improve accuracy, and discussing trade-offs transparently with stakeholders.

• Define and track key product outcomes — implementing dashboards for real-time performance visibility, running A/B and multivariate test and learn, and using data to drive continuous improvement in quality and user experience.

• Represent users confidently in internal discussions, advocating for research across all user types and leveraging AI-powered research tools (e.g. Dovetail AI, User Testing AI) to accelerate insight generation at scale.

• Advocate for product-led thinking within your team, consult with stakeholders to protect the team from unnecessary directional changes, and champion AI tool adoption.

• Create and maintain a prioritised roadmap, working with your team to validate what adds value now and in future, drafting PRDs and specifications

• Build long-term stakeholder relationships, implementing communications strategies and influencing effectively to drive alignment and outcomes.

Key outcomes:

• Increasing feature adoption and measurable improvement in user outcomes within the payments and refund processing area

• Growing the number of markets and regions supported by our payments and refunding functionality

• Roadmap delivered to agreed timelines, with clear evidence of value realised against investment

• Reducing cost to serve through automation, self-service, and platform efficiency

• Defined and tracked KPIs for your product area, with regular data-driven reviews

• Positive stakeholder feedback on communication, transparency and decision-making quality

• Attainment of quality standards: service levels (availability), operational health (bugs), security and tech debt managed in partnership with engineering

Skills, knowledge, experience & qualifications:

• Proven experience as a Product Manager in a SaaS business, ideally within fintech or payments, , with a track record of shipping payment or financial products at scale  

• Demonstrable experience owning and delivering a payment management capability end-to-end within a SaaS platform.

• Experience scaling a product across multiple markets or regulatory jurisdictions while maintaining a coherent platform.

• Experience of using AI and data to drive product decisions, with a vision for how AI can transform payment and refund processing at scale.

• Strong understanding of digital payment methods including Direct Debit (BACS), card payments, Open Banking/Pay by Bank, prepayment, and emerging real-time payment rails (Faster Payments, CHAPS)

• Global payments knowledge including international card schemes (Visa, Mastercard), cross-border payment methods, SEPA (for European context), and awareness of global digital wallet ecosystems (Apple Pay, Google Pay, PayPal)

• Experience working with payment gateways, PSPs (Payment Service Providers), and banking APIs; ability to evaluate and manage third-party payment technology partners and integrations

• Experience working in an agile environment; strong analytical skills with the ability to use data to drive product decisions and measure the performance of payment features through relevant metrics

• Familiarity with experimentation platforms and AI productivity tools is advantageous.

• Familiarity with UK energy industry payment methods and debt management processes, including Smart Prepayment Meters (PPM), Fuel Direct, Payment Matching, and Debt Assignment Protocol (DAP); experience with Ofgem and FCA compliance requirements as they relate to customer payments is advantageous

• Experience managing complex stakeholder relationships, including senior commercial partners.

Company Benefits

• 25 days’ holiday + bank holidays

• Option to buy or sell 5 extra annual leave days per year

• Vitality Health Insurance, including private healthcare, virtual GP access, mental‑health support and wellbeing perks (50% off gym memberships -Virgin Active, Nuffield, PureGym)

• Pension with 5% matched contribution

• Regular team‑wide and company‑wide events

• 2 volunteering days per year to give back

• Remote‑first working environment with offices in London and Nottingham