Senior Product Manager, Payments

This is a fully remote position, open to applicants in Alabama, +23 more states.

📋 Description

• Take ownership of product definitions regarding money-movement capabilities, from problem identification to requirements, technical design, launch, and iterative processes.

• Thoroughly evaluate requirements and designs across Payments, Repayments, Card, Orchestration, Payouts, Settlements/Reconciliation, and Risk & Fraud.

• Identify gaps in requirements, edge cases, conflicting assumptions, and unresolved product decisions.

• Collaborate with Engineering to develop PRDs, functional specifications, workflows, state transitions, API requirements, acceptance criteria, and launch criteria.

• Examine transaction-level payment states, processor responses, retries, returns, failures, reconciliation challenges, and operational exceptions.

• Define platform flows for funding, authorization, debit/credit, processing, settlement, payout, recovery, and exceptions.

• Work alongside Risk, Legal, Compliance, Finance, Data, Operations, and Engineering on product-related decisions.

• Lead initiatives related to Risk, Payouts, and other Money Movement efforts.

• Utilize data and operational indicators to assess payment success/failure, loss, recovery, payout performance, reconciliation discrepancies, costs, and operational volumes.

• Highlight risks and unresolved decisions, provide recommendations, and facilitate issue resolution.

• Oversee backlog refinement, requirements evaluations, prioritization, stakeholder alignment, launch readiness, and post-launch improvements.

• Adapt to various Platform workstreams as priorities shift.

• Report directly to the Senior Director of Product, Platform.

⛳️ Requirements

• A minimum of 8 years in product management.

• Significant hands-on experience in payments, money movement, financial infrastructure, fintech, or risk management.

• Proven history of direct ownership and delivery of payment or money-movement products and processes.

• Extensive expertise in at least one area of payments or money movement.

• Familiarity with payment rails, processors, banks, or PSPs, such as ACH, RTP, card networks/processors, or banking payment infrastructure.

• Capability to transform ambiguous challenges into engineering-ready product specifications and collaborate closely with engineers throughout implementation.

• Strong technical knowledge of transaction lifecycles, state machines, APIs, events/webhooks, retries, idempotency, processor integrations, reconciliation, settlement, and failure management.

• Experience leveraging payment, risk, financial, or operational metrics for product decision-making.

• Ability to function with a high degree of autonomy and navigate incomplete information.

• Proficient written and verbal communication skills across Engineering, Risk, Legal/Compliance, Finance, Data, and Operations.

• Candidates must possess the legal right to work in the United States without current or future employment-based visa sponsorship.

• Availability for remote work in Central or Pacific time zones.

• Submissions from agencies and third-party staffing will not be accepted.

🏝️ Benefits

• Competitive contract rate based on experience.

• Potential to extend the initial 90-day contract contingent on performance and business needs.

• Purpose-driven work focused on enhancing financial wellness and access to earned wages.

• Environment conducive to professional and personal development.

• Commitment to equal employment opportunity and protection against discrimination.