Lead Product Manager - In-Person Customer Payments

Own and scale Tesco’s customer present payment capabilities, shaping strategy, teams, and technology across Tesco Group.

The Customer Payment team

Our vision: To make payment a reason for customers to shop more of Tesco, more often.

Payment is the moment of truth in every shopping journey; the point where a basket becomes a sale. Our technologies allow customers to access everyday essentials, for Tesco to get paid, and for teams across Tesco to see (and trust) the result of that exchange.

Our in-house platform processes over 2.6 billion payments every year, totalling around £70 billion in 5 markets, across Cash, Scheme cards, fuel cards, gift cards and meal card tenders.
In the UK, £1-in-every-£9 of UK retail spend flows through our payment technology.

As part of our customer-first strategy, we own and operate the non-regulated components of instore payment technology. This puts Tesco in control of how we innovate across customer experience, the commercial landscape, and payment industry compliance. With our combination of scale, in-house technology, and Clubcard, Tesco is one of the few retailers able to shape the future of customer payments, not simply adapt to it. This is a unique competitive advantage for a large multinational retailer.

As Lead Product Manager for in-person customer payment you will lead four product development teams. Your teams own and operate card and cash APIs, hardware, and data products. Your products make it quick, easy and secure to pay by cash, scheme cards, gift cards, meal cards, digital subscriptions, or any future electronic payments.

Your four product development teams each have a dedicated product manager and 8-10 collocated software engineers based in either Hungary, India, or UK.

This is a leadership role within the broader Customer Payment team of 11 product development teams (17 PMs, 6 TPMs, and ~100 software engineers).

Everyone will use your products! You will transform the customer payment experience in-store over the next 3 years:

1. Deliver a cash management strategy to balance customer needs, operational resilience and costs to serve and secure cash.
2. Pilot new cash and card payment devices/experiences, the path to next-gen Tesco Tills.
3. Reach new markets via Tesco Till, e.g. Fuel stations, Central European stores
4. Develop and execute a multi-vendor strategy so that Tesco can trade when others can’t.
5. Launch new payment linked loyalty capabilities, e.g. Clubcard in digital wallets
6. Test and learn new ways to pay e.g. Account to Account, Buy now pay later, biometric (…)

You will lead through others, developing the capabilities of your Product Managers and aligning stakeholders across Stores frontend, Finance, and the wider payment industry.

You will set direction, align teams, and scale the impact of our platform products. You will drive a faster, more convenient checkout. You will transform instore payments across 5 markets via our in-house Tesco Till platform. You will ensure that customer payments are secure, compliant and resilient. You will ensure our products are healthy, optimised and fit to adapt and shape new ways to pay.

1.

Customer, Commercial & Compliance Acumen
Ability to balance customer experience, payment economics, operational risk and PCI compliance requirements to make effective, well-rounded product decisionsData Driven Decision Making
Strong quantitative and qualitative insight skills — using performance metrics, customer data and experiments to guide prioritisation and product direction.Technical & Architectural Literacy
Comfortable engaging in discussions on APIs, platform architecture, message flows, resilience engineering and making transparent trade-offs.Opportunity Discovery & Problem Framing
Skilled at exploring new opportunity spaces, identifying which problems are worth solving, validating concepts, and connecting insights to strategic priorities.Multi-Team Product Delivery
Experience leading roadmaps and execution across multiple product engineering teams, creating clarity, driving alignment and managing cross-team dependencies.Strategic Product Leadership
Proven ability to define product strategy in complex technical domains and align senior technical and business stakeholders to long-term roadmaps.Store Technology expertise
First-hand experience developing in-store customer Till and payment experiences
You might know us as a supermarket, technology company or even for our award-winning mobile network. Truth is, we’re all of those things, and much more. Our colleagues work with one goal in mind, helping to make every day a little better for our customers, colleagues and communities all over the world. No two customers are the same, neither are our colleagues. At Tesco, we champion a balance that lets you thrive both in and out of work. Spend 60% of your week collaborating with colleagues at our office locations or local sites and the rest remotely. Whether you're just kicking off your career, juggling passions, or navigating big life events, we're here to support you. We always welcome a conversation about flexible working, so talk to us throughout your application about how we can support. We're proud to be an accredited Disability Confident Leader, where everyone’s welcome. That’s why we commit to providing a fully inclusive and accessible recruitment process. If you need support with your application, click here for more information. And if you're interested in joining our team but don't tick every box, don't let that hold you back from applying.