Payments Product Manager

We are Rooh Co., a dynamic team creating mobile and web applications in the Lifestyle, Health, and Utilities niches. Our products help users solve everyday tasks, inspire, and simplify their lives. We focus on the global market, with an emphasis on the USA, and strive to create innovative solutions using modern technologies.

### Responsibilities: - Manage billing infrastructure and subscription model: - Own the full billing cycle — from checkout to recurring charges and handling declines - Design retry logic: intervals, amounts, routing by decline codes - Manage multi-PSP architecture — build logic for switching between providers - Develop payment integrations — Apple Pay, MPAN, network tokens, account updater, etc. - Analyze data and optimize monetization metrics: - Track and improve Authorization Rate (CIT/MIT), Recovery Rate, Chargeback Ratio by banks, countries, and payment methods - Identify loss points — which decline codes dominate, where retry does not work, where revenue is missed - Formulate and test hypotheses for improving billing logic, measure the financial impact of each change - Maintain regular reporting on payment metrics with alerts for deviations - Develop and implement billing strategy: - Design subscription flow — trials, subscriptions, upsells, reactivations, offers on payment declines - Launch A/B tests on billing parameters — timing of charges, amounts, sequence of offers - Collaborate with marketing and product to develop retention mechanics and grow LTV - Provide operational support for billing: - Monitor VAMP ratio, fraud and chargeback rate — take action before reaching penalty thresholds of Visa and Mastercard - Communicate with PSP (Adyen, Stripe, etc) — features, compliance requests, escalations - Prepare transactional reports for accounting as needed.

### Requirements: - Deep understanding of the payment ecosystem — know how CIT/MIT transactions work, understand decline codes and their reasons, familiar with PSP operations (Adyen, Stripe, etc.), knowledgeable about Visa and Mastercard payment scheme rules - Ability to work with data independently — can take a raw transactional dataset, find information/problems, formulate hypotheses, and drive to results (SQL or Python at a level sufficient to not depend on an analyst for basic questions) - Product mindset with a focus on revenue — think in terms of revenue and losses, not just tasks and features - Independence in decision-making — initiate and propose solutions and drive to results without constant approval - Experience communicating between technical and non-technical teams.

### Conditions: - Excellent if: - Experience in subscription business with high volume recurring payments - Worked directly with Adyen or Stripe at the product level - Have solved issues related to reducing chargeback rate or improving Authorization Rate — have specific cases with measurable results.

Rooh Co. is a company that excels in highly competitive niches such as Lifestyle, Graphics & Design, and Utilities, with a focus on revealing uniqueness through their offerings.