Head of Product, Fintech

ServiceTitan; United States; On-site; USD 272,000 - 436,000; Full time

Benefits offered by this job

Bonus program

Equity

Flexible work

Job summary

ServiceTitan is seeking a senior leader to own the money-in payments and embedded finance platform. You will set strategy, own the P&L, drive partnerships, and orchestrate cross-functional execution to turn product capability into revenue within the trades ecosystem.

We expect 10+ years in payments or consumer financing, proven revenue ownership, and a track record of negotiating complex commercial agreements with processors and lenders.

Qualifications

• 10+ years of deep domain expertise in payments or consumer financing.
• Track record of P&L ownership with revenue and margin accountability.
• Experience negotiating complex commercial agreements with processors, banks, or lenders.
• Operator instincts to build GTM and activation models beyond roadmaps.
• Strong cross-functional leadership across sales, ops, and finance.
• Ability to operate at the executive level and represent ServiceTitan externally.

Responsibilities

• Own multi-year strategy for money-in business and its on-platform partnerships.
• Hold full P&L accountability: revenue targets, take rate, margin.
• Negotiate end-to-end commercial agreements with processors and lenders.
• Drive GTM activation from sales onboarding to onboarding and retention.
• Set product direction for money-in suite and oversee build vs. buy decisions.

Skills

Payments expertise

P&L ownership

Negotiations

GTM design

Cross-functional leadership

Executive presence

Embedded finance

Job description

Are you ready to shape the future of financial technology for the trades?

>$80B in transaction volume runs through ServiceTitan, the operating system for the trades industry. Contractors use ServiceTitan to deliver critical services like HVAC, plumbing and electrical work to our communities. Our money-in suite spans card payments, Tap to Pay, Pay by Bank, and consumer financing, supported by a network of processor and lender relationships that we continue to build and expand. This is one of the most strategically important and fastest-growing areas of our business.

We're looking for a business leader to own it end-to-end. This means setting the strategy, holding the P&L, driving commercial partnerships, and orchestrating the cross-functional execution that turns product capability into revenue. If you've run a payments or financing business before and want to do it again inside one of the most interesting distribution platforms in the trades, this is the role.

What You'll Do

Business Strategy & P&L

• Own the multi-year strategy for ServiceTitan's money-in business — which products, which partners, which segments, and how we win

• Hold full P&L accountability: revenue targets, take rate, margin, and the levers that drive each

• Define our position in the payments and embedded finance ecosystem — how we negotiate with processors, how we structure lender programs, how we capture more on-platform volume

• Make the investment case for the fintech roadmap with executive leadership and translate strategy into a clear operating plan

Commercial Partnerships & Negotiation

• Own relationships with processors, issuing banks, lenders, and other fintech infrastructure partners — from deal structure through ongoing performance management

• Negotiate commercial agreements end-to-end, with a deep understanding of interchange economics, rev share structures, and long-term contractual flexibility

• Manage a portfolio of lending partners with an eye toward curating the strongest program for our customers and our economics

• Identify and develop new partnerships that expand product capability or distribution

GTM & Cross-Functional Execution

• Drive the commercial activation motion — from fintech attach in the sales process through onboarding, adoption, and retention of payment volume. Drive customer acquisition, transaction volume growth, and adoption of new products in partnership with Sales and GTM teams

• Orchestrate the functions that need to move together to make this business work: sales, onboarding, customer success, operations, finance, and product

• Build the operating rhythm that keeps the team aligned and accountable to shared outcomes

Product Strategy

• Set product direction for the money-in suite — prioritizing the roadmap against business outcomes

• Make build vs. buy vs. partner decisions with clear commercial and strategic rationale

• Ensure compliance, risk management, and regulatory requirements are integrated into product and partnership decisions

What You'll Bring

• 10+ years of deep domain expertise in payments, consumer financing, or both — ideally from running a business or a major business unit at a payments processor, lending company, or embedded finance provider

• Track record of P&L ownership with real revenue and margin accountability — you've set targets, explained variances, and made the hard resource calls

• Experience negotiating complex commercial agreements with processors, banks, or lenders — you understand the economics and know where the leverage is

• Operator instincts: you know how to build GTM and activation models, not just product roadmaps

• Strong cross-functional leadership — you've driven outcomes across sales, ops, and finance without relying on direct authority

• Ability to operate at the executive level internally and credibly represent ServiceTitan in senior external conversations

• Experience in a B2B2C business where distribution and activation are the hard problems, not just the technology

Use of AI Technology

We use technology, including automated and AI-assisted tools, to support certain aspects of our recruitment process. These tools are designed to improve efficiency and enhance the candidate experience. AI tools are not used to make hiring decisions; all hiring decisions are made by our hiring teams.

What We Offer

When you join our team, you’re not just accepting a job. You’re making a career move. Here’s how we’ll support you in doing some of the most impactful work of your career:

• Flextime, recognition, and support for autonomous work: Flexible time off with ample learning and development opportunities to continue growing your career. We offer a comprehensive onboarding program, leadership training for Titans at all levels, and other programs and events. Great work is rewarded through Bonusly, peer-nominated awards, and more.
• Holistic health and wellness benefits: Company-paid medical, dental, and vision (with 100% employer paid options and 90% coverage for dependents), FSA and HSA, 401k match, and telehealth options including memberships to One Medical.
• Support for Titans at all stages of life: Parental leave and support, up to $20k in fertility services (i.e. IUI and IVF), surrogacy, and adoption reimbursement, on demand maternity support through Maven Maternity, free breast milk shipping through Maven Milk, pet insurance, legal advisory services, financial planning tools, and more.

At ServiceTitan, we celebrate individuality and uniqueness. We believe that the convergence of fresh perspectives and experiences from all walks of life is what makes our product and culture so great. We strongly encourage people from underrepresented groups to apply. We do not discriminate against employees based on race, color, religion, sex, national origin, gender identity or expression, age, disability, pregnancy (including childbirth, breastfeeding, or related medical condition), genetic information, protected military or veteran status, sexual orientation, or any other characteristic protected by applicable federal, state or local laws.

ServiceTitan is committed to fair and equitable compensation for all of our employees. We thoughtfully consider a wide range of factors when determining individual compensation, which may change over time. We comply with all applicable minimum wage laws. For candidates in the United States, the good faith salary ranges estimate for this role isZone 1: $290,800 USD - $436,200 USD Applicable for: CA, CT, DC, MD, MA, NJ, NY, VA, and WAZone 2: $271,800 USD - $407,600 USD Applicable for: All other US locations.International Compensation for candidates residing outside the United States will vary by location and will be discussed during the hiring process. Actual compensation within a range is determined by factors including relevant experience, skill set, qualifications, and performance. In addition to base salary, our total compensation package includes an annual bonus, equity, and a holistic suite of benefits.