Product Lead: Payments Platform & AI-Driven Routing

Rippling (Netherlands); San Francisco (CA); On-site; USD 153,000 - 255,000; Full time

Job summary

Rippling, based in San Francisco, seeks a Product Lead to own the payments experience and orchestration platform. You will decide how money moves, where it moves, and how fast it moves, covering methods, funding, payout options, routing, and economics.

You will enable AI to understand configurations and safe actions, balancing speed, risk, and compliance. You will collaborate with Treasury, Finance, Legal, Compliance, Risk, Operations, Support, and product leaders to deliver high-quality,

Qualifications

• 5+ years in product management or leadership roles in tech.
• Experience owning technically complex platform products.
• Strong systems thinking across data models and state machines.
• Experience with payments, fintech, or regulated financial systems is strongly preferred.

Responsibilities

• Build a simple, consistent payment-method experience across Rippling, including bank-account setup, validation, verification, eligibility, funding methods, readiness, history, and controls.
• Evolve routing architecture to support more flexible money flows, multiple routes and FX providers, real-time payments, and new product use cases without bespoke integrations.
• Define and launch flows of funds for new countries, licensed entities, financial products, and banking partners.
• Make money move faster by enabling accelerated and instant payment experiences across Rippling products.
• Build the foundation for agentic payments by making payment methods, routing options, lifecycle state, and available actions machine-readable.
• Use AI to make Rippling’s payments network more intelligent, including anticipating funding and payout issues and optimizing routes.
• Manage the economics of money movement by owning the payments P&L, including FX, transaction fees, routing costs, and float income.
• Partner with Engineering and Design to detail data models, lifecycle state, routing logic, APIs, and customer workflows.

Skills

Payments platform

Platform product leadership

Systems thinking

Technical fluency

Cross-functional collaboration

Analytics & problem-solving

Job description

Rippling, based in San Francisco, seeks a Product Lead to own the payments experience and orchestration platform. You will decide how money moves, where it moves, and how fast it moves, covering methods, funding, payout options, routing, and economics.

You will enable AI to understand configurations and safe actions, balancing speed, risk, and compliance. You will collaborate with Treasury, Finance, Legal, Compliance, Risk, Operations, Support, and product leaders to deliver high-quality,