Product Manager, Payments

Job description

# About Us: We give businesses and their customers peace of mind by solving complex credit challenges with precision, speed, and intelligence, combining deep expertise with advanced technology, to simplify the experience and deliver better outcomes, every time. We're a fast-growing fintech empowering enterprise merchants with smarter, more adaptive pay-over-time solutions. From point-of-sale financing to “Buy Now, Pay Later” programs and loyalty integrated offers, we’re building configurable credit tools that help businesses serve more of their customers. We value teamwork, clarity of purpose, and rigorous attention to data to drive action. We balance speed and excellence to deliver an exceptional customer experience. # Role Overview: We’re looking for a **Product Manager with deep payments experience** to drive the strategy and execution of our payments capabilities. This role sits at the center of product, engineering, risk, and commercial teams—owning critical parts of the platform that power seamless, transparent payment experiences. You will define and deliver products across the payments lifecycle—from checkout and authorization to settlement and servicing—ensuring they are scalable, compliant, and impactful. # Key Responsibilities: ● Own the end-to-end product lifecycle for payments features and infrastructure ● Define product strategy, roadmap, and priorities aligned with company goals and customer needs ● Build and optimize seamless payment experiences across channels (online, in-store, embedded) ● Translate complex payments, credit, and regulatory requirements into clear product solutions ● Partner cross-functionally with engineering, risk, compliance, operations, and go-to-market teams ● Drive integrations with external partners including processors, banks, gateways, and merchant platforms ● Use data, experimentation, and customer insights to inform decisions and continuously improve product performance. ● Ensure all products meet regulatory, compliance, and risk standards within the payments and lending ecosystem. # What We're Looking For: ● 4–8+ years of product management experience, with a strong focus on **payments, fintech, or lending** ● Deep understanding of U.S. payments infrastructure (e.g., card networks, ACH, authorization, settlement flows) ● Experience building or scaling consumer or merchant-facing financial products ● Strong analytical skills with a data-driven approach to decision-making ● Demonstrated use of **AI tools** in building product prototypes and automating workflows ● Ability to operate effectively in complex, regulated environments ● Excellent communication and stakeholder management skills ● Ownership mindset with a bias for action in fast-paced environments **Bonus:** ● Experience with BNPL, point-of-sale financing, or embedded finance ● Familiarity with underwriting, credit decisioning, or loan servicing systems ● Experience working with bank partners, processors, or fintech infrastructure providers ● Track record of launching new products (0→1) or scaling existing platforms (1→N) # What We Offer: ● Competitive compensation and equity package. ● Collaborative office culture with a strong product mindset. ● Opportunities to grow, lead, and shape the future of consumer finance. Ready to redefine consumer lending with us? Apply today and join a passionate team committed to making financial clarity a reality. *ClarityPay is an equal opportunity employer. We do not discriminate based on race, ethnicity, color, ancestry, national origin, religion, sex, sexual orientation, age, disability, veteran, marital status, or any other legally protected status.*