Principal Product Manager, Fintech

Plug Technologies•Los Angeles, CA

21h•Onsite

About The Position

Plug is hiring a Principal Product Manager, Fintech to own money movement, payments, and lending-adjacent products end to end. The role will turn the company’s patchwork of manual processes, bank wires, and one-off integrations into reliable infrastructure for increasingly complex flows of funds across consumers, dealers, lenders, and banking partners. This director-level role is expected to run the fintech stack independently, make sound decisions under ambiguity, and manage bank, servicer, and partner relationships directly. The position is in person, ideally in Sawtelle between Santa Monica and West Los Angeles, with San Francisco-area candidates also considered. Plug will not provide relocation assistance or sponsorship. Plug is a marketplace for used electric vehicles. Consumers receive instant cash offers supported by battery-health data, and dealers across the United States bid in real time on the inventory. Founded in 2023 by former Tesla executives, Plug has facilitated over $150 million in EV sales and raised a $20 million Series A led by Lightspeed Venture Partners.

Requirements

At least 7 years of product management experience.
Meaningful experience owning payments end to end at a marketplace or large payments platform company.
Experience directly managing external stakeholders, including banks, servicers, processors, or lending partners, and negotiating terms while owning the relationships.
Direct experience with fund-flow mechanics, including settlement, disbursement, reconciliation, payoff processing, and related compliance and risk considerations.
Ability to operate independently at a senior level and make final decisions on fintech product questions.
Comfort working in an ambiguous, fast-moving environment, often as the first and only product owner for a domain.
Strong technical fluency, including the ability to discuss system design, data models, and API tradeoffs for payment infrastructure with engineers.
Bias toward building lean, fast infrastructure rather than relying on off-the-shelf processes.

Nice To Haves

International or cross-border payments experience.
Prior title, marketplace, auction, or lending experience in automotive or a comparable regulated industry.

Responsibilities

Own the product strategy and roadmap for platform money movement, including consumer payouts, dealer payments, auction settlement, lien payoffs, and title-related fund flows.
Design and ship infrastructure that moves money instantly and reliably at scale, replacing manual and semi-manual processes.
Manage relationships with banks, payment processors, lien and title servicers, and lending partners; negotiate terms, integrations, and service-level agreements directly.
Run the full flow of funds, from origination and disbursement through settlement, reconciliation, and payoff, maintaining visibility into where funds are at every stage.
Partner with Engineering, Risk, Finance, and Operations to ensure money movements are compliant, auditable, and fast.
Identify and scope opportunities for lending or financing-adjacent products, such as dealer floor plans, consumer bridge financing, and payment plans.
Build operating rhythms, metrics, and monitoring to detect and resolve payment or settlement issues before they become customer-facing problems.
Design the partnership ecosystem, negotiate with banking and payments partners, and help determine which partnerships to pursue as the company scales.