Lead Product Manager, Payments

TheGuarantors•New York, NY

8h•$220,000 - $240,000

About The Position

The Lead Product Manager, Payments, will own one of the most operationally and financially critical product areas at TheGuarantors: how we collect, move, track, reconcile, and report money across our consumer, business, partner, broker, and property management relationships. Today, many of our accounts receivable, accounts payable, invoicing, reconciliation, and commission workflows are manual, spreadsheet-driven, or not fully integrated into our core product and accounting systems. This role will lead the effort to turn those workflows into scalable, auditable, well-integrated product capabilities. This is a highly cross-functional role for someone who can operate in ambiguity, understand complex money movement workflows, and translate messy operational processes into clean product systems.

Requirements

6+ years of product management experience, with meaningful ownership of payments, billing, fintech, financial operations, accounting systems, insurance operations, marketplaces, lending, or other complex money movement products.
Experience building products that involve accounts receivable, accounts payable, invoicing, reconciliation, payouts, commissions, or accounting integrations.
Strong systems thinking and ability to break down complex workflows into scalable product capabilities.
Demonstrated ability to work closely with finance, accounting, operations, engineering, legal, compliance, and go-to-market teams.
Strong analytical skills and comfort working with spreadsheets, financial data, transaction records, payment statuses, and operational workflows.
Ability to define clear product requirements in ambiguous, high-complexity environments.
Excellent written and verbal communication skills, especially with cross-functional and executive stakeholders.
Strong prioritization judgment and ability to balance operational urgency with long-term platform strategy.

Responsibilities

Define the product strategy and roadmap for payments, billing, collections, payouts, invoicing, reconciliation, and accounting integrations.
Prioritize across consumer AR, B2B AR, AP, claims payouts, broker commissions, partner payments, and operational tooling.
Replace manual, spreadsheet-heavy workflows with reliable, auditable systems.
Own product capabilities that support consumer payment collection for surety bonds and related products.
Define workflows for business-paid accounts, including billing, invoicing, payment collection, reconciliation, and account-level payment responsibility.
Partner with stakeholders to define eligibility logic for automated indemnification and related account-level controls.
Support AR needs across multiple product lines, including surety and brokered insurance products such as HO-4 renters insurance.
Define scalable workflows for claims payouts to business customers and property partners, including property-level payment preferences such as ACH and check.
Build capabilities for broker commissions, channel partner payments, marketing partner payments, and other complex payout workflows.
Partner closely with finance and accounting to define requirements for reconciliation, reporting, journal entries, settlement tracking, payment status, and auditability.
Help connect product systems with accounting and financial operations systems.
Map current workflows across spreadsheets, internal tools, payment processors, accounting systems, carrier/broker workflows, and manual operating procedures.
Translate operational complexity into clear product requirements, user stories, data models, and phased delivery plans.
Work with engineering to design scalable systems that support complex edge cases without creating unnecessary operational burden.
Define metrics, monitor adoption, and continuously improve the performance and reliability of payments-related systems.