Product Manager in payments

I turn messy payment problems into products people can click.

I'm Huzaifa. I help businesses get paid. I work out what to build, show it as a working prototype before anyone writes code, and then see it through to launch with the engineering team.

See my work Watch the videos Portfolio PDF
Card lookup · BIN Intelligence
A card lookup screen showing what kind of card it is, its bank, its networks and its security check support
Weeks to 1 hourTime to plan a new payment provider, using a tool I designed
Runs on sample data10 videosEvery prototype explained in a narrated walkthrough
I have planned and delivered work with payment companies including
Results

What changed because of my work

A few numbers from my time as a product manager in payments, 2025 to 2026.

2 weeks → 1 hour

Faster planning for every new provider

Before a company can accept payments through a new provider, someone has to study it and write the plan. I designed an AI assisted tool that does the heavy reading, so a two week job now takes under an hour.

30+

Integration plans written

Clear plans for engineers, covering cards, digital wallets and local payment methods in Latin America, the Middle East, India, Europe and Asia.

1.1M+

Card ranges in my prototype

A working prototype, not just slides. It answers real lookups through a real API, so people could test the idea before any budget was spent.

23 ideas, one roadmap

Turned a long list of security and approval ideas into one plan you can click through.

3 test tools

Built testers that proved what three payment providers actually do, which unblocked their launch.

Data before opinions

Used SQL and live dashboards to show where money and time were being lost.

Selected work

Five stories, told simply

Each one shows the problem, what I did, and what happened next. Click any screen to watch a short narrated walkthrough.

01New productPrototype + API

BIN Intelligence: know a card before you charge it

The first digits of every card number (the BIN) reveal what kind of card it is and which bank issued it. I designed a product that turns those digits into useful answers for online shops.

The problem

Shops only learn what a card is after they charge it. The data they buy is often out of date, and nobody tells them how a bank is likely to behave.

What I did

I wrote the strategy, the pricing and the requirements, and built a clickable console plus a working API, so people could try the product for themselves.

The result

A clear plan in three stages, and one simple privacy rule that also sets the product apart: a shop only ever sees its own numbers.

Rules · BIN Intelligence
A rule builder that tests a rule against the last 30 days of payments
02Internal toolAI

A planning assistant that turns weeks into an hour

Every new payment provider needs someone to read its documents, compare it with what we already have, and write a plan for engineers. That reading was slowing everything down.

The problem

Each plan took one to two weeks, and quality depended on who wrote it.

What I did

I designed a six step AI assisted process, with a model plan that sets the standard and a person who reviews every result.

The result

Plans now take under an hour, and more than 30 have been written this way.

  1. Check accessMake sure we can log in to the provider's test system
    Automatic
  2. Read the documentsPull out what the provider offers and how it works
    Automatic
  3. CompareMatch it with the payment flows we already support
    Automatic
  4. Find who is affectedList the teams and systems the work will touch
    Automatic
  5. Write the planProduce the requirements on the standard template
    Human review
  6. Create the tasksOpen the engineering tickets in Jira
    Automatic
Time per provider2 weeks → under 1 hour
03DeliveryLaunches

Connecting new ways to pay, from plan to launch

Every country has its own favourite ways to pay. I plan each connection, test it, and get it ready for launch with engineering and quality assurance.

How I keep scope tight

Build the version people need now. Extra switches and options wait until there is a real business reason for them.

How I prove it works

Nothing is called done without test evidence. When a test showed the plan was wrong, I fixed the plan.

Clearer decline reasons

Airwallex · worldwide

147 bank refusal codes mapped, so shops can see why a payment failed.

Bring your own security check

Moyasar · Paymob · Tap · Worldpay

Proved each one accepts a security check done elsewhere.

Automatic Pix payments

Adyen · Brazil

Turned the central bank's rules for repeat payments into a clear plan.

Safer stored cards

Stripe · worldwide

Mapped every switch needed to turn on card tokens for each shop.

UPI and payments from abroad

PayU · BillDesk · Razorpay · India

Worked through the local rules on invoices and keeping data in India.

Local favourites

Nuvei · Poland, Brazil, Netherlands

BLIK, Pix, iDEAL and Klarna tested, with refunds mapped.

04RoadmapSimulator

Making card security easy to see, then proving it

3-D Secure is the extra check your bank sometimes asks for when you pay online. It stops fraud, but too many checks make people give up. There were 23 ideas to improve it, and no shared picture.

What I did

I built a simulator that plays each idea step by step, then small testers that send real test payments to providers to check each assumption.

The result

Long debates got shorter because everyone could see the difference. Three provider testers turned guesses into proof.

Paymob tester
A payment tester comparing two ways of running the card security check
05DataInternal tools

Finding where money and time quietly leak

Payment companies lose money in places nobody owns, and lose time asking "what is the status?". I make both visible.

Money

A hackathon idea for an assistant that spots lost revenue, sizes it and sends it to the right team, plus a ranked list built with SQL.

Time

Live team dashboards, fed straight from Jira, so people look status up instead of chasing it.

Worldpay tester
A payment tester showing a test payment and the provider's reply
Videos

See it working, in under two minutes each

Every walkthrough is narrated and captioned, so you can watch with or without sound.

How I work

Short first, clickable second, detailed last

People decide faster when they can see and touch the idea.

1

Understand

Talk to the people closest to the problem, and read the data before forming an opinion.

2

Write one page

The problem, the bet, and the decisions I need from leaders, on a single page.

3

Show it

A clickable prototype on realistic data, before anyone spends weeks building.

4

Detail it

Full requirements, the test plan, and who needs to be involved.

5

Check it

A structured review, with a named person signing it off.

6

Launch it

Test evidence, quality sign off, and a calm go live.

Experience

Where I've worked

Product management, built on a background in growth and business development.

Product

StrategyRoadmapsRequirementsPricingGo to marketA/B tests

Payments

Card security (3DS)Card dataTokensLocal payment methodsPCI DSS

Tools

APIsSQLPostmanJiraFigmaAI assistants

  1. Product Manager

    Yuno, a global payments platform

    I lead the plan for a new card data product and take payment connections from idea to launch. I also designed the AI assisted planning tool that cut weeks of work to an hour.

  2. Product Manager

    Mitt Arv Technologies

    Launched a new product and owned its roadmap. Wrote requirements and user flows, built internal tools including an HR system, and tested the product's APIs.

  3. Business Development Manager

    Flam

    Ran experiments and A/B tests, set success measures, and helped shape how the product went to market.

  4. Senior Business Development Associate

    Scaler

    Brought in over $50,000 of new business each quarter, and studied competitors and customer needs.

  5. Senior Business Development Executive

    PlanetSpark

    Wrote tailored proposals, built partnerships, and researched the market.

  6. Subject Matter Expert

    Chegg

    Helped students with civil engineering, created training material, and improved content using feedback.

Working on something in payments? Let's talk.

I'm happy to walk you through any of this work in more detail.

Emailhuzafaisam16@gmail.com LinkedInlinkedin.com/in/whozz RésuméPDF PortfolioPDF, 9 pages