Lead Product Manager, Payments

theguarantors-open-positions; New York (NY); On-site; USD 220,000 - 240,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

HSA

FSA

401(k)

PTO & Holidays

In-office Lunch

Flexible Hours

Parental Leave

Disability Insurance

Job summary

TheGuarantors is seeking a Lead Product Manager, Payments, to own payments, billing, AR/AP, invoicing, reconciliation, and related financial operations across our consumer, business, partner, broker, and property management relationships. You’ll drive the product vision and roadmap for money movement at scale.

You will translate complex cash flows into scalable product capabilities, partner with finance and engineering, define data models and controls, and measure adoption to improve reliability

Qualifications

• 6+ years of product management experience in payments or financial operations.
• Experience with AR/AP, invoicing, reconciliation, and accounting integrations.
• Ability to translate complex workflows into scalable product capabilities.

Responsibilities

• Define strategy and roadmap for payments, billing, invoicing, and accounting integrations.
• Replace manual workflows with auditable, scalable systems.
• Collaborate with finance, engineering, and legal to define requirements.
• Design scalable payment workflows for consumer and business relationships.
• Define data models, controls, and reporting needs.
• Monitor adoption and improve reliability of payments systems.

Skills

Payments product management

Financial operations

Accounts receivable

Accounting integrations

Cross-functional collaboration

Data analysis

Tools

Accounting systems

Billing systems

Job description

TheGuarantors is a fintech company helping multifamily owners and operators mitigate leasing risk while expanding access for renters. With a deep understanding of owner, operator, and renter needs, we believe renters deserve better access to the home of their choice and operators deserve greater protection and growth opportunities. That’s why we’re leveraging our real estate expertise and using AI-driven renter underwriting to help operators qualify renters faster while mitigating the financial risk of renter default. With $7B+ in lease value protected, we work with 9 of the country’s top 10 operators, are the #1 lease guarantee provider nationwide, and have consistently been named one of Inc. 5000’s fastest-growing companies, one of Forbes’ Best Startup Employers, and one of Deloitte’s Technology Fast 500.

The Role

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.

What You’ll Own

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.

Key Responsibilities

• 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.

What We’re Looking For

• 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.

Benefits

• Opportunities to make an impact within a fast growing company
• Medical, dental, & vision insurance, beginning day one
• Health savings account with employer contribution
• Flexible spending accounts (healthcare, dependent care, commuter)
• 401(k)
• Generous PTO and paid holidays
• In-office lunch Perk
• Flexible working hours
• Paid parental leave
• Company sponsored short and long term disability

Base Salary

The base salary range is between $220,000 - $240,000 annually.

Base salary does not include other forms of compensation or benefits. Final offer amounts are determined by multiple factors, including prior experience, expertise, location and current market data and may vary from the range above.

TheGuarantors is an Equal Opportunity Employer. We celebrate diversity and are committed to an inclusive environment for all.