Payment Product Lead

Credit Genie; Philadelphia (Philadelphia County); On-site; USD 100,000 - 130,000; Full time

Benefits offered by this job

100% company-paid medical, dental, and vision coverage

Fitness reimbursement or complimentary gym membership

401(k) with a 3.5% match

Flexible PTO

Meal program for lunch and dinner

Job summary

Credit Genie in Philadelphia seeks a Payment Operations Lead to manage payment strategy across ACH and card networks. This senior role demands at least 7 years of experience in payments, with deep knowledge of operational challenges and systems handling millions of transactions daily.

The successful candidate will design optimized payment processing infrastructures and lead strategies to combat fraud. Comprehensive benefits, including medical coverage, flexible PTO, and fitness reimbursements, are offered.

Qualifications

• 7+ years of experience in payments, product management, or operations.
• Deep working knowledge of ACH and card networks.
• Proven track record with high-volume payment systems.

Responsibilities

• Own end-to-end payment strategy across ACH, card networks, and banking partners.
• Build and maintain a reconciliation framework.
• Lead fraud prevention strategy across payment channels.

Skills

Payments management

Fraud prevention

Project management

Data analysis

Risk management

Job description

Company

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 and are building a financial ecosystem by offering tools and services that provide instant access to cash, and building credit. Our goal is to empower every customer to achieve long-term financial stability.

Founded in 2019 by Ed Harycki, former Swift Capital Founder (acquired by PayPal in 2017). Backed by Khosla Ventures and led by industry pioneers from companies such as PayPal, Square, and Cash App, we are well positioned to build the future of inclusive finance through cutting-edge technology and customer-centric solutions.

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.

We're looking for a Payment Operations Lead who has spent years inside payment networks, not just adjacent to them. You know how ACH works and where it breaks. You've built or operated systems processing millions of transactions per day and optimized them for speed, efficiency, and cost. You've navigated fraud, disputes, and the complex relationships between card networks, banking partners, and internal engineering teams.

This is a senior, high-ownership role. You'll own payment strategy end-to-end and drive execution across Risk, Engineering, Compliance, and Finance. You'll have the autonomy to shape what our payments infrastructure looks like at the next stage of scale, and you'll be accountable for making it work.

We're open to candidates from a product management background or a payments operations background. What we're not flexible on is depth. You need to know ACH and card networks inside and out.

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 operations 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- including 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, the edge cases, the failure modes, and how to build systems that handle them at scale. You have lived and breathed these networks.
• 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- you can 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

Our goal is to provide a comprehensive offering of benefits and perks that promote better financial, mental, and physical wellness.

We believe working alongside each other in person is the best way to build a great product and foster a strong company culture. Our expectation is that employees are in the office five days a week, allowing for optimal collaboration, inclusivity, and productivity. At the same time, we understand that life happens and recognize the importance of flexibility. We are committed to supporting our employees when circumstances arise that require remote work or adjusted schedules. Our goal is to ensure everyone can effectively balance personal and professional responsibilities while maintaining our collaborative and productive environment.

Here are some highlights of our benefits and perks offerings, feel free to ask your recruiting partner for more details on our comprehensive offering for employees.

• 100% company-paid medical, dental, and vision coverage for you and your dependents on your first day of employment.
• Receive up to $100 per month in fitness reimbursement or enjoy a complimentary full membership to LifeTime Fitness or Equinox.
• 401(k) with a 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

Your actual level and base salary will be determined on a case-by-case basis and may vary based on the following considerations: job-related knowledge and skills, education, and experience. Base salary is just one part of your total compensation and rewards package at Credit Genie. You may also be eligible to participate in the bonus and equity programs. You will also have access to comprehensive medical, vision, and dental coverage, a 401(k) retirement plan with company match, short & long term disability insurance, life insurance, and flexible PTO along with many other benefits and perks.

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.