Payment Product Lead

Credit Genie; New York (NY); On-site; USD 180,000 - 280,000; Full time

Benefits offered by this job

Medical coverage

Dental coverage

Vision coverage

Fitness reimbursement

401(k) match

Meal program

HSA match

Life insurance

Accidental insurance

Flexible PTO

Job summary

Credit Genie is seeking a senior Payments leader to own strategy and infrastructure for ACH, card networks, and banking partners at scale. You will design fast, reliable payment systems and drive the roadmap with Engineering and Finance leadership.

You will build reconciliation, automate operations, and lead fraud prevention and risk management across payment rails. This role requires deep payments expertise, data‑driven decision making, and strong stakeholder communication.

Qualifications

• 7+ years of experience in payments within product management, payment operations, or a combination of both.
• Deep working knowledge of ACH and card networks – the rules, edge cases, failure modes, and how to build systems that handle them at scale.
• Proven track record building or operating high‑volume payment systems with millions of transactions per day, optimized for speed and cost efficiency.
• Hands‑on expertise in payments fraud, dispute resolution, and ACH risk management.
• Strong project management skills – ability to align and drive execution across Risk, Engineering, Compliance, and Finance simultaneously.
• Comfortable working directly with transaction‑level data to diagnose problems, surface patterns, and drive decisions.
• Able to translate complex payment system constraints into clear strategy, roadmap priorities, and stakeholder communication.

Responsibilities

• Own end‑to‑end payment strategy across ACH, card networks, and banking partners, built to scale to millions of transactions per day.
• Design and optimize a payment processing infrastructure for speed, efficiency, and reliability at high volume.
• Develop and own the payments roadmap, tackling strategy and execution simultaneously in partnership with Engineering and Finance leadership.
• Build and maintain a reconciliation framework that is accurate, auditable, and fully explainable across internal systems and external partners.
• Drive automation to reduce manual payment ops work: exception management, reconciliation workflows, and cost attribution.
• Partner with Treasury and Risk on float management, settlement timing, and capital efficiency.
• Lead fraud prevention and dispute management strategy across ACH and card payment channels – detection, response, and recovery.
• Manage ACH risk end‑to‑end: unauthorized transactions, returns, network compliance, and exception handling.
• Serve as the internal authority on payment network rules, edge cases, and risk exposure across all payment rails.
• Drive cross‑functional execution with Engineering, Risk, Operations, and Compliance to continuously improve the payments stack.
• Translate complex payment system constraints into clear strategy, roadmap priorities, and stakeholder communication.
• Work directly with transaction‑level data to diagnose problems, surface patterns, and make decisions.

Skills

Payments

Strategy

Fraud risk

Data analysis

Cross-functional leadership

Automation

Job description

Credit Genie is a mobile‑first financial wellness platform designed to help individuals take control of their financial future. We leverage artificial intelligence to provide personalized insights, offering tools and services that give instant access to cash and enable credit building. Founded in 2019 by Ed Harycki (former Swift Capital Founder) and backed by Khosla Ventures with leadership from ex‑PayPal, Square, and Cash App, we aim to empower every customer to achieve long‑term financial stability.

Overview

The systems behind how money moves are the most important systems we have. At Credit Genie, every payment – every ACH transfer, every card transaction, every settlement – needs to be fast, accurate, and completely reliable. As we scale, that gets harder. That’s why we’re building this role.

Responsibilities

Payment Strategy & Infrastructure

• Own end‑to‑end payment strategy across ACH, card networks, and banking partners, built to scale to millions of transactions per day
• Design and optimize a payment processing infrastructure for speed, efficiency, and reliability at high volume
• Develop and own the payments roadmap, tackling strategy and execution simultaneously in partnership with Engineering and Finance leadership

Reconciliation & Financial Operations

• Build and maintain a reconciliation framework that is accurate, auditable, and fully explainable across internal systems and external partners
• Drive automation to reduce manual payment ops work: exception management, reconciliation workflows, and cost attribution
• Partner with Treasury and Risk on float management, settlement timing, and capital efficiency

Fraud, Disputes & Risk

• Lead fraud prevention and dispute management strategy across ACH and card payment channels – detection, response, and recovery
• Manage ACH risk end‑to‑end: unauthorized transactions, returns, network compliance, and exception handling
• Serve as the internal authority on payment network rules, edge cases, and risk exposure across all payment rails

Cross‑Functional Leadership

• Drive cross‑functional execution with Engineering, Risk, Operations, and Compliance to continuously improve the payments stack
• Translate complex payment system constraints into clear strategy, roadmap priorities, and stakeholder communication
• Work directly with transaction‑level data to diagnose problems, surface patterns, and make decisions

Qualifications

• 7+ years of experience in payments, within product management, payment operations, or a combination of both
• Deep working knowledge of ACH and card networks – the rules, edge cases, failure modes, and how to build systems that handle them at scale
• Proven track record building or operating high‑volume payment systems with millions of transactions per day, optimized for speed and cost efficiency
• Hands‑on expertise in payments fraud, dispute resolution, and ACH risk management
• Strong project management skills – ability to align and drive execution across Risk, Engineering, Compliance, and Finance simultaneously
• Comfortable working directly with transaction‑level data to diagnose problems, surface patterns, and drive decisions
• Able to translate complex payment system constraints into clear strategy, roadmap priorities, and stakeholder communication

Preferred

• Experience in Earned Wage Access (EWA) or consumer fintech lending
• Familiarity with ledgering, reconciliation workflows, or financial close processes
• Exposure to AI or automation applied to payment operations or exception management

Benefits And Perks

• 100% company‑paid medical, dental, and vision coverage for you and your dependents from day one
• Monthly fitness reimbursement of up to $100 or complimentary membership to LifeTime Fitness or Equinox
• 401(k) with 3.5% match and immediate vesting
• Meal program available for both lunch and dinner
• Pre‑tax benefits, including a $1,000 HSA match
• Life and accidental insurance
• Flexible PTO

Credit Genie is a proud Equal Opportunity Employer where we welcome and celebrate differences. We are committed to providing a workspace that is safe and inclusive, where everyone feels supported, connected, and inspired to do their best work. If you require any accommodations to participate in our recruitment process, please inform us of your needs when we contact you to schedule an interview.