Product Manager (Payments)

Role Overview

About SpotOn

Payments Strategy and Execution

• Own the payments roadmap across card-present and card-not-present environments for hospitality use cases.
• Define acceptance experiences for chip, contactless, digital wallets, ecommerce tokens, and white-label loyalty.
• Simplify merchant payment flows including refunds, tips, adjustments, partial authorizations, and offline authorization.
• Improve authorization rates, chargebacks, declines, disputes, latency, and reconciliation accuracy through experimentation.
• Partner with risk, compliance, and security on network rules and PCI DSS adherence.
• Evaluate payment capabilities, routing options, and cost optimization with processors, acquirers, gateways, and partners.

Money Movement and Leadership

• Ensure merchant processing funds settle on time with accurate fees, adjustments, and chargeback handling in reporting.
• Connect payment decisions with funding and remittance workflows so payouts remain predictable and explainable.
• Align stakeholders around a payments vision, roadmap, and success metrics.
• Balance technical, regulatory, and merchant considerations in cross-functional decisions.
• Communicate payment trade-offs, risks, dependencies, and progress to executives and senior leaders.
• Mentor adjacent product teams on payment best practices and platform standards.

Qualifications

• At least 5 years of product management experience, including at least 3 years in payments, fintech, or related financial services.
• Demonstrated product leadership and ability to align engineering, design, and go-to-market teams.
• Deep understanding of card-present and card-not-present payment flows.
• Familiarity with merchant processing economics, interchange, scheme fees, settlement, and remittance.
• Experience with payment processors, acquirers, gateways, or card networks.
• Strong analytical skills using payment datasets, dashboards, KPIs, and experimentation.
• Success shipping complex technical products with engineering and operations collaboration.
• Excellent communication skills for technical and non-technical audiences.
• Experience with merchant discovery, user interviews, and B2B customer feedback.
• Ability to manage multiple initiatives in a fast-paced, high-growth environment.

Compensation

• Base pay is listed at $180,000 to $225,000 per year.
• The compensation package may include company stock plan eligibility and offers reflect location, qualifications, and experience.

Benefits

• Benefits include medical, dental, and vision insurance, a 401k company match, RSUs, paid time off, employee resource groups, phone and internet stipends, and tuition reimbursement.