Lead Product Manager (Payments)

Portage Ventures GP Inc.; New York (NY); On-site; USD 120,000 - 160,000; Full time

Job summary

TheGuarantors is hiring a Lead Product Manager for Payments in New York, NY. This role involves owning the product vision and integrating financial operations into scalable capabilities. Candidates should have over 6 years of product management experience and a strong background in financial workflows.

The role focuses on optimizing payments, billing, and reconciliation processes across various financial products. Exceptional analytical and communication skills are essential for success in this cross-functional position.

Qualifications

• 6+ years of product management experience, particularly in financial operations.
• Experience with accounts receivable, accounts payable, and invoicing.
• Ability to define product requirements in complex environments.

Responsibilities

• Own the product vision, roadmap, and execution for payments and financial operations.
• Lead efforts to integrate workflows into scalable product capabilities.
• Partner with stakeholders to define eligibility logic for automated processes.

Skills

Product management experience

Systems thinking

Analytical skills

Communication skills

Prioritization judgment

Job description

Requirements

• 6+ years of product management experience, with meaningful ownership of payments, billing, fintech, financial operations, accounting systems, insurance operations, marketplaces, lending, or other complex money movement products
• Experience building products that involve accounts receivable, accounts payable, invoicing, reconciliation, payouts, commissions, or accounting integrations
• Strong systems thinking and ability to break down complex workflows into scalable product capabilities
• Demonstrated ability to work closely with finance, accounting, operations, engineering, legal, compliance, and go-to-market teams
• Strong analytical skills and comfort working with spreadsheets, financial data, transaction records, payment statuses, and operational workflows
• Ability to define clear product requirements in ambiguous, high-complexity environments
• Excellent written and verbal communication skills, especially with cross-functional and executive stakeholders
• Strong prioritization judgment and ability to balance operational urgency with long-term platform strategy

What the job involves

• The Lead Product Manager, Payments, will own one of the most operationally and financially critical product areas at TheGuarantors: how we collect, move, track, reconcile, and report money across our consumer, business, partner, broker, and property management relationships
• Today, many of our accounts receivable, accounts payable, invoicing, reconciliation, and commission workflows are manual, spreadsheet-driven, or not fully integrated into our core product and accounting systems
• This role will lead the effort to turn those workflows into scalable, auditable, well-integrated product capabilities
• This is a highly cross-functional role for someone who can operate in ambiguity, understand complex money movement workflows, and translate messy operational processes into clean product systems
• You will own the product vision, roadmap, and execution for payments and financial operations capabilities across accounts receivable, accounts payable, billing, invoicing, reconciliation, accounting integrations, and operational tooling
• This includes consumer payment collection, business-level billing and invoicing, claims payouts, partner payment preferences, broker commissions, channel and marketing partner payments, refunds, adjustments, payment responsibility logic, and reconciliation workflows
• You will also help define the systems, data models, controls, and integrations needed to support accurate financial reporting, operational efficiency, and scalable growth across multiple insurance and surety products
• Define the product strategy and roadmap for payments, billing, collections, payouts, invoicing, reconciliation, and accounting integrations
• Prioritize across consumer AR, B2B AR, AP, claims payouts, broker commissions, partner payments, and operational tooling
• Replace manual, spreadsheet-heavy workflows with reliable, auditable systems
• Own product capabilities that support consumer payment collection for surety bonds and related products
• Define workflows for business-paid accounts, including billing, invoicing, payment collection, reconciliation, and account-level payment responsibility
• Partner with stakeholders to define eligibility logic for automated indemnification and related account-level controls
• Support AR needs across multiple product lines, including surety and brokered insurance products such as HO-4 renters insurance
• Define scalable workflows for claims payouts to business customers and property partners, including property-level payment preferences such as ACH and check
• Build capabilities for broker commissions, channel partner payments, marketing partner payments, and other complex payout workflows
• Partner closely with finance and accounting to define requirements for reconciliation, reporting, journal entries, settlement tracking, payment status, and auditability
• Help connect product systems with accounting and financial operations systems
• Map current workflows across spreadsheets, internal tools, payment processors, accounting systems, carrier/broker workflows, and manual operating procedures
• Translate operational complexity into clear product requirements, user stories, data models, and phased delivery plans
• Work with engineering to design scalable systems that support complex edge cases without creating unnecessary operational burden
• Define metrics, monitor adoption, and continuously improve the performance and reliability of payments-related systems