Product Manager

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.

Treasury Management & Settlement Balancing

• SpotOn processes billions of dollars annually for merchants who need immediate, often instant, access to funds, requiring precise float prediction. 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, enabling SpotOn merchants to track payouts and balances with clarity.
• Drive the development of innovative, non-traditional capital products that align merchants financing with customer engagementstructuring funding models where merchants receive upfront liquidity while repayment is tied to customer spend and loyalty growth.
• Champion data integrity and change management for finance systems, ensuring reporting consistency as SpotOn evolves.
• Cashflow and capital are the lifeblood of our clients businesses. Own the product with that notion at the forefront of the products success.
• 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 SpotOns broader treasury and payout strategies.

Cross-Functional Leadership

• 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.

Qualifications

• 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.

Compensation

• Our base pay range starts at $150,000 - $200,000 for this role
• Please note the salary range listed is just one component of a competitive compensation package which includes a company stock plan
• Offers will be reflective of the candidates location and experience.

At SpotOn, we put people above everything else. Were known for our innovative software and technology solutions, but we stand out because of the hard-working humans behind the tech. We invest in you with a competitive benefits package which includes:

• 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

The base salary range listed will vary depending on location and experience.

EEO / Equal Employment Opportunity SpotOn is an equal employment opportunity employer. Qualified candidates are considered for employment without regard to race, religion, gender, gender identity, sexual orientation, national origin, age, military or veteran status, disability, or any other characteristic protected by applicable law. SpotOn is an E-verify company.

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