Senior Product Manager, Payments

Mudflap serves the $800B trucking industry, the backbone of the U.S. economy. Our market-leading payment products help truckers save thousands of dollars on fuel (their #1 business expense), while providing our fuel stop partners with access to new, hard-to-reach customers. We’re a fast-growing marketplace business looking for a new customer-obsessed teammate to join us on this exciting journey.

As the Sr. Product Manager, Payments, you’ll own Mudflap’s payments platform end-to-end, shaping how money moves through the product and driving authorization rates, reliability, and spend across card usage. The focus is on improving transaction flows, controls, and performance while exploring new ways payments and fintech capabilities can create differentiated value for fleets and drivers.

Success in this role requires strong product judgment, a deep understanding of payment systems and emerging fintech trends, and the ability to navigate tradeoffs like risk versus conversion. It combines strategic thinking with hands-on execution, using transaction-level data and customer insight to identify high-impact opportunities and continuously evolve the payments experience.

In this role, you will:

• Own Mudflap’s payments platform end-to-end, including card, transaction flows, and partner integrations, with a focus on driving volume, reliability, and margin.

• Identify and execute on high-impact opportunities to improve authorization rates, transaction success, and spend per user.

• Develop a deep understanding of payment systems and stay current on fintech trends to inform product direction and unlock new capabilities.

• Drive product decisions using transaction-level data, customer insight, and strong product judgment.

• Partner cross-functionally to build scalable, high-reliability systems that power every transaction with accuracy and trust.

• Own key product surfaces such as card controls, transaction visibility, and pricing logic.

• Manage external partners including networks and processors to expand acceptance, improve economics, and shape the payments roadmap.

• Define and track core payments metrics, and iterate quickly while maintaining a high bar for correctness in a high-stakes domain.

• Leverage AI tools to accelerate analysis and improve the payments experience.

What we look for:

• 5+ years of product management experience with ownership of high-impact, customer-facing or platform products.

• Experience working on payments, fintech, or transaction-heavy systems (e.g. cards, billing, risk, or financial infrastructure).

• Strong product judgment with the ability to identify high-leverage opportunities that drive volume, reliability, or margin.

• Comfort working with data, including transaction-level analysis, funnel drop-offs, and system performance metrics.

• Ability to navigate complex systems and tradeoffs (e.g. risk vs. conversion, speed vs. accuracy, flexibility vs. control).

• Track record of shipping high-quality products in cross-functional environments involving engineering, finance, risk, and operations.

• Strong execution skills, with the ability to break down ambiguous problems into actionable plans and deliver results.

• Clear and direct communication, with the ability to influence stakeholders across technical and non-technical teams.

• Experience working with external partners (e.g. processors, networks, or enterprise partners) is a plus.

• Hands-on experience using AI tools to accelerate analysis, decision-making, or product development.

What we offer:

• Competitive salary and equity in a high-growth startup

• Multiple health benefit options

• Responsible Time Off

• 401(k) matching

• Commuter benefits to ease your travel

• Lunches and snacks to keep you fueled

• Annual Company offsite event (Mudfest!)

Compensation:

The salary range for this role is $195,000 - $215,000 + equity. This information reflects a base salary range for this position based on current market data, which may be subject to change as new market data becomes available. The candidate's skills, experience, and other relevant factors will determine the exact compensation.

Location:

This is a hybrid role based out of our Palo Alto, CA office, with an expectation of 3 days per week onsite.

Who we are:

Mudflap is on a mission to transform the trucking and logistics industry by leveling the playing field for owner operators and small fleets. Backed by top-tier venture investors, including QED, Matrix Partners, Commerce Ventures, NFX, and 500 Startups and included in the Forbes Fintech 50 list, Mudflap offers fleet fuel management solutions. Our core team hails from Disney, Uber, Procore, DoorDash, Google, Meta, Capital One, Affirm and Brex.

Our Values:

• Be Customer Obsessed: We deeply understand customer needs and put our customers at the center of everything we do

• Make it Count: Act like an owner by focusing on the impact of your work

• Find a Way: Be a creative problem solver who pushes past roadblocks to win for our customers and our teammates

• Sweat the Details: We keep our standards high and achieve them by paying attention to every detail

• Be Curious: Use a growth mindset to question assumptions, take calculated risks and stretch the boundaries of what’s possible