Product Manager: Finfra

thatch.com; United States; Remote; USD 150,000 - 230,000; Full time

Job summary

Thatch is seeking a Senior Product Manager to own the financial infrastructure supporting funding, payments, reimbursements, cards, and accounting. You will shape the ledger, money movement, and banking strategy with cross-functional teams including product, engineering, finance, and compliance.

You will lead, define, and deliver a scalable financial platform that balances reliability, cost efficiency, and the ability to support new financial products in a regulated environment.

Qualifications

• At least five years of product management in payments, banking, or financial infrastructure.
• Strong understanding of money movement, ledgers, reconciliations, or banking systems.
• Technical fluency with APIs, data models, and systems design.
• Experience building products in regulated settings requiring accuracy and compliance.
• Sound judgment with ability to balance business and technical trade-offs.
• Demonstrated ownership from definition to delivery in ambiguous environments.

Responsibilities

• Set the financial infrastructure roadmap, balancing reliability, unit economics, and new product opportunities.
• Develop a unified ledger as a trusted basis for reconciliation, reporting, and treasury operations.
• Improve reliability and scalability of payments, reimbursements, card transactions, and banking connections.
• Evaluate funds movement, treasury practices, yield, and transaction costs.
• Assess opportunities in card issuing, credit, and other financial offerings, deciding when to build or partner.
• Collaborate across engineering, finance, operations, legal, and compliance to deliver auditable, regulatory-ready systems.

Skills

Payments domain

Banking systems

APIs design

Regulated environment

Financial infra

Job description

Role overview

Own product direction for the financial systems that support funding, payments, reimbursements, cards, and accounting. You will shape the ledger, money movement, and banking strategy, working across product, engineering, finance, and compliance to make these systems dependable, economical, and ready to support new financial products.

Responsibilities

• Set the financial infrastructure roadmap, balancing operational reliability, unit economics, and opportunities for new products.
• Develop a unified ledger as a trusted basis for reconciliation, reporting, and treasury operations.
• Improve the reliability and scalability of payments, reimbursements, card transactions, and banking connections.
• Evaluate how funds are held and moved, including treasury practices, yield, and transaction costs.
• Assess opportunities in card issuing, credit, and other financial offerings, deciding when to build capabilities or work with partners.
• Collaborate with engineering, finance, operations, legal, and compliance to deliver scalable, auditable systems that meet regulatory needs.

Requirements

• At least five years of product management experience in payments, banking, or financial infrastructure.
• Strong understanding of money movement, ledgers, reconciliation, or banking systems.
• Technical fluency and experience partnering with engineers on APIs, data models, and system design.
• Experience building products in regulated settings where accuracy, reliability, and compliance are essential.
• Sound product judgment and financial instincts, including the ability to weigh business and technical trade-offs.
• Demonstrated ownership of complex products from definition through delivery, with results in ambiguous situations.

Nice to have

• Experience with double-entry ledgers, reconciliation platforms, or core financial infrastructure.
• Familiarity with FBO or omnibus accounts, sponsor banks, or banking-as-a-service providers.
• Work on card issuing, credit, lending, treasury operations, float management, or payment economics.
• Experience managing complex integrations with banking or financial technology partners.