Product Manager (Treasury & Capital Solutions)

SpotOn • New York City, NY

73d • $150,000 - $200,000

About The Position

SpotOn is seeking a Product Manager - Treasury & Capital Solutions to lead product strategy across two critical domains: merchant capital lending and treasury/settlement management. This role blends merchant-facing innovation (helping businesses access and repay capital seamlessly) with finance infrastructure excellence (ensuring cash flow accuracy, reconciliation, and automation at scale). You will act as a product subject matter expert (SME) at the intersection of payments, lending, and treasury operations - partnering with Finance and Engineering to design systems that are both merchant-friendly and operationally rigorous.

Requirements

• 4+ years of product management in fintech, payments, lending, or treasury systems.
• Strong understanding of treasury operations and payment settlement processes.
• Experience in financial data reconciliation, accounting-integrated workflows, or treasury automation.
• Demonstrated ability to define product roadmaps in complex financial domains.
• Proficiency with data and reporting tools (e.g., SQL, Snowflake, Metabase, Netsuite).
• Skilled at translating finance requirements into product features and guiding engineers to build them.
• Excellent cross-functional communication, with experience working across Finance, Risk, and Engineering.
• Strong organization and execution capabilities, including leading initiatives and cross functional teams.
• Excellent communication and presentation skills including the ability to effectively synthesize, organize and communicate complex information.

Responsibilities

• Own the roadmap for settlement balancing, reconciliation, and treasury automation while keeping merchants' challenges in mind.
• Translate Finance Settlement Balancing team requests into initiatives that mitigate reconciliation risk, improve transparency, and enhance operational efficiency.
• Partner with Engineering to reduce manual reconciliation by automating cash flow reporting, exception handling, and journal entry creation.
• Improve accuracy and transparency in Day 1 (inbound deposits) and Day 2 (outbound payouts) flows.
• Drive development of treasury management tools that automate payout orchestration, GL journaling, exception handling, and real-time reconciliation reporting.
• Drive the development of innovative, non-traditional capital products that align merchants financing with customer engagement.
• Champion data integrity and change management for finance systems.
• Lead the capital lending product lifecycle: origination, underwriting, repayment flows, and merchant experience.
• Design repayment models that integrate seamlessly into settlement cash flows.
• Build transparent, self-service experiences for merchants to understand loans, repayments, and balances.
• Partner with Risk and Finance to monitor lending performance and evolve repayment mechanics.
• Align lending roadmap with SpotOn's broader treasury and payout strategies.
• Act as a bridge between Finance and Engineering, ensuring product and financial accuracy requirements are clearly understood.
• Partner with Risk, Treasury, Finance, and Operations teams to deliver scalable, compliant solutions.
• Educate stakeholders on treasury processes and financial impacts of product decisions.
• Prioritize initiatives across capital lending and treasury management to balance merchant value with operational efficiency.

Benefits

• Medical, Dental and Vision Insurance
• 401k with company match
• RSUs
• Paid vacation, 10 company holidays, sick time, and volunteer time off
• Employee Resource Groups to build community and inclusion at work
• Monthly cell phone and internet stipend
• Tuition reimbursement for up to $2,000 per calendar year to assist with your professional development

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Number of Employees: 1,001-5,000 employees