Sr. Product Manager (Alternative Payments)

PayNearMe is a company on a mission to simplify payment experiences through innovative technology. They are seeking a Senior Product Manager to lead initiatives in alternative payments, focusing on strategy and execution to enhance their electronic payments platform.

Responsibilities:

• Define and communicate a clear product vision grounded in market opportunity and economics
• Build and drive multi-quarter roadmaps aligned to company growth
• Translate strategy into detailed requirements, integration and launch plans
• Remain deeply engaged with delivery teams throughout execution — not just at planning stages
• Identify new electronic payment and funding opportunities through market analysis and ecosystem analysis
• Build business cases including TAM, unit economics, pricing, and margin considerations
• Lead products from concept through integration, certification, launch, and scale
• Expand capabilities across new use cases, partners, and verticals
• Evaluate processing, banking, and wallet partners
• Lead integrations with gateways, issuing/acquiring banks, real-time networks, and wallet providers
• Work at the API and architecture level with internal and partner technical teams
• Navigate certification processes, compliance requirements, settlement models, and operational readiness
• Design flows for both inbound consumer payments and outbound disbursements
• Understand merchant/biller funding models and liquidity considerations
• Balance speed, cost, risk, and customer experience across rails
• Ensure products are fully operationalized at launch — not just shipped
• Partner with Risk, Compliance, Legal, and Finance to formalize controls
• Embed fraud mitigation, regulatory requirements, and operational workflows into product architecture
• Define reconciliation, reporting, exception handling, and support models upfront
• Use AI tools to accelerate product discovery, experimentation, documentation, and decision-making
• Identify opportunities to apply AI across payments, risk, and operations
• Encourage AI-enabled workflows across Product and cross-functional teams

Requirements:

• 8–12+ years of Product Management experience in FinTech or electronic payments
• Ability to operate at executive altitude while still driving detailed execution
• Strong point of view on where wallet, real-time, and alternative payment ecosystems are heading
• Experience evaluating market opportunities and structuring partnerships
• Demonstrated 0→1 product launches in payments
• Hands-on experience integrating with processors, banks, or payment networks
• Builds relationships, roadmap alignment, and clarity across external partners
• Comfortable owning certification and go-live processes
• Fluent in APIs, system design, and payment orchestration concepts
• Able to work seamlessly across Engineering, Risk, Compliance, Finance, and external partners
• Excellent communicator who can align stakeholders across business and technical teams
• Brings clarity to complex systems and decisions
• Strong working knowledge of card networks and debit rails
• Strong working knowledge of ACH and bank-based payments
• Strong working knowledge of real-time rails (RTP, FedNow)
• Strong working knowledge of wallet ecosystems and tokenization
• Strong working knowledge of BNPL and alternative financing
• Strong working knowledge of settlement, reconciliation, funding, and dispute flows
• Strong working knowledge of consumer payments and disbursements
• Strong working knowledge of B2B merchant/biller funding models
• Experience and perspective in one or more of the following: Lending & alternative credit, Banking and embedded finance, Gaming or high-volume transaction platforms, Bill payment ecosystems