Product Lead, Payments

Remote (United States)

Compensation

Annual Salary: $140,000 - $225,000 per year

Actual compensation is based on factors such as skills, years and depth of experience, and location. Total compensation may also include equity and additional benefits.

Employment Type

Full-Time

This opportunity is for a Staff-level Product Lead to own the payments product surface for a mission-critical money movement platform. The role covers payment rails, transaction flows, money movement mechanics, developer experience, compliance requirements, and the full product strategy for revenue-critical payments infrastructure.

This is a deeply technical, highly cross-functional individual contributor role. It does not include direct people management, but it requires principal-level ownership, strong product judgment, and the ability to set direction, drive alignment, and take full ownership of outcomes across Engineering, Compliance, Operations, Sales, and leadership stakeholders.

What You’ll Own

• Own the end-to-end payments product experience across rails such as Visa Direct, Mastercard Move, RTP, FedNow, ACH, and stablecoin, from API contract through settlement and reconciliation.
• Own the transaction lifecycle, including authorization, clearing, settlement, dispute and chargeback handling, and exception management.
• Define developer-facing payments primitives, including API design, payload schemas, error surfaces, and webhook contracts for sophisticated fintech builders.
• Shape multi-rail routing logic, including how rails are selected, fallback flows are handled, and routing is optimized based on speed, cost, and risk parameters.
• Own the payments compliance surface, including Reg E implications, network rule adherence, VCR framework considerations, dispute windows, and AML/sanctions workflow integration.
• Lead rail-specific product strategy and roadmap planning by identifying capability gaps, emerging network features, and new monetization opportunities.
• Partner closely with payment operations and engineering on incident response, degraded-rail scenarios, and SLA commitments.

What You’ll Do Day-to-Day

• Write rigorous product requirements documents and technical specifications for complex payment flows, including edge cases, failure modes, and regulatory constraints.
• Own the product roadmap for the payments surface area, prioritizing across rail expansion, developer experience improvements, and compliance requirements.
• Conduct deep discovery with customers and prospects to identify unmet needs related to how they move money.
• Partner with Engineering to define API contracts, review implementation details, and maintain a high standard for developer ergonomics.
• Collaborate with Compliance and Legal on network rule changes, NACHA updates, and card network bulletins, translating regulatory inputs into product requirements.
• Work with payment operations to define reconciliation requirements, exception-handling workflows, and operational tooling needs.
• Represent the payments product in customer conversations, sales cycles, and external thought leadership.

Required Qualifications

• 6+ years of product management experience, including at least 3 years building payments products at infrastructure, fintech, or card-network depth.
• Hands-on experience with at least two payment areas, such as ACH, RTP/FedNow, Visa Direct/Mastercard Move, card issuing or acquiring, or stablecoin rails.
• Deep familiarity with the transaction lifecycle, including authorization, clearing, settlement, disputes, and the operational mechanics behind each step.
• Experience using Reg E, NACHA operating rules, or Visa/Mastercard network rules as inputs into product requirements.
• Strong API product instincts, including experience shipping developer-facing payment APIs and clear opinions on what makes them effective.
• Comfort operating with ambiguity at a senior individual contributor level without needing a manager to set the agenda.
• Exceptional written communication skills, with the ability to turn complex payment flows into clear, precise specifications.
• Demonstrated ability to influence Engineering, Compliance, and Operations teams without direct authority.

Preferred Qualifications

• Experience at a BaaS provider, card network, sponsor bank, or payments infrastructure company, rather than only as a fintech end user.
• Familiarity with stablecoin settlement rails such as USDC or USDT and how they interact with traditional fiat rails.
• Background in chargeback lifecycle mechanics, dispute reason codes, or VCR workflow design.
• Prior experience with multi-rail routing or smart payment orchestration logic.

Why This Role Matters

• Own one of the most technically complex and commercially critical product surfaces in the business.
• Work directly with leadership in a product-driven environment and help shape what strong product management looks like as the product function grows.
• Contribute to a profitable Series A growth-stage company.
• Work in real-time, multi-rail payment infrastructure, a complex and still underdeveloped area of fintech product development.

What Is Offered

• Competitive compensation with equity in a growing fintech company.
• Remote-first culture with flexible working arrangements.
• Small-team environment where the work has direct impact on responsible scaling.
• Professional growth opportunities in compliance and risk management.
• Mission-driven work building infrastructure that supports financial innovation while meeting high regulatory standards.
• 100% company-paid health insurance for employees.
• 401(k) plan with company matching.
• Wide range of employee benefits.