Senior Product Manager – Payments

GDT - General Datatech; United States; On-site; USD 5,373,000 - 8,954,000; Part time

Job summary

GDT - General Datatech is seeking a hands-on Senior Product Manager with deep payments and money-movement experience to turn complex financial flows into scalable platform capabilities. You will work directly with Engineering and Product leadership from week one, translating ambiguous problems into concrete requirements and driving implementation.

This role requires 8+ years in product management with payments expertise and direct ownership of money-movement products.

Qualifications

• 8+ years in product management with payments/money movement focus.
• Direct ownership of payment/money-movement products and flows.
• Deep domain expertise in at least one payments pathway (rails, transfers, payouts).
• Experience with payment rails, processors, banks, or PSPs (ACH, card networks).
• Ability to translate ambiguous problems into engineering-ready requirements.

Responsibilities

• Own definition of money-movement capabilities from problem to launch.
• Pressure-test requirements across Payments, Repayments, Card, Payouts, and Risk & Fraud.
• Translate requirements into PRDs, functional specs, workflows, APIs, and criteria.
• Work with engineering on transaction states, retries, and reconciliation issues.
• Define platform flows for funding, authorization, settlement, payouts, and risk controls.
• Collaborate with Risk, Legal, Compliance, Finance, Data, and Ops to balance correctness and customer experience.
• Drive initiatives like Risk and Payouts in Money Movement streams.
• Use data to measure outcomes: success/failure, payout performance, and costs.
• Surface risks early and push decisions to resolution.
• Own day-to-day execution: backlog, reviews, prioritization, launch readiness.

Skills

Payments expertise

Money movement

Technical fluency

Autonomy

Cross-functional collaboration

Tools

APIs

Webhooks

Job description

3-month contract, with possible extension

Up to $65/hr W2, depending on experience

This role is W2 only. It is not eligible for C2C.

We're looking for a hands-on Senior Product Manager with deep payments and money-movement experience who can step into active work immediately and help us turn complex financial flows into products and platform capabilities that Engineering can build, operate, and scale. This is not a strategy-only role, and not a requirements coordinator role. You will work directly with Engineering and Product leadership from week one, taking ambiguous problems and existing initiatives, pressure-testing requirements, identifying gaps, making product decisions, and driving them through implementation.

What You'll Do

• Own product definition for money-movement capabilities, from problem definition through requirements, technical design, launch, and iteration
• Pressure-test existing requirements and designs across Payments, Repayments, Card, Orchestration, Payouts, Settlements/Reconciliation, and Risk & Fraud, identifying missing requirements, edge cases, conflicting assumptions, and unresolved product decisions
• Partner directly with Engineering to translate complex business and financial requirements into clear PRDs, functional requirements, workflows, state transitions, API requirements, acceptance criteria, and launch criteria
• Work at the transaction level when necessary, understanding payment states, processor responses, retries, returns, failures, reconciliation issues, and operational exceptions
• Help define how money moves through the platform across funding, authorization, debit/credit, processing, settlement, payout, recovery, and exception flows
• Partner with Risk, Legal, Compliance, Finance, Data, Operations, and Engineering to ensure product decisions account for financial correctness, risk, regulatory requirements, operational impact, and customer experience
• Drive active initiatives including Risk, Payouts, and related Money Movement workstreams
• Use data and operational signals to identify problems and measure outcomes, including payment success/failure, loss, recovery, payout performance, reconciliation breaks, cost, and operational volume
• Surface risks and unresolved decisions early, make recommendations, and drive issues to resolution
• Own the day-to-day product execution needed to keep engineering teams moving: backlog refinement, requirements reviews, prioritization, stakeholder alignment, launch readiness, and post‑launch iteration
• Flex across Platform workstreams as priorities evolve, moving between a payment‑rail problem, a payout failure, a reconciliation issue, or a risk‑decisioning requirement without needing a long ramp

Required

• Spent 8+ years in product management, with substantial hands‑on experience in payments, money movement, financial infrastructure, fintech, or risk
• Directly owned payment or money‑movement products and flows, personally shipping products involving payment rails, bank transfers, cards, payouts, repayments, payment orchestration, settlement/reconciliation, or transaction risk
• Built deep expertise in at least one payments or money‑movement domain, with the ability to understand the underlying transaction flow and system behavior, not just the customer‑facing experience
• Worked directly with payment rails, processors, banks, or PSPs such as ACH, RTP, card networks/processors, or bank payment infrastructure
• Translated ambiguous problems into engineering‑ready product requirements and worked closely with engineers through implementation
• Demonstrated strong technical fluency, comfortable discussing transaction lifecycles, state machines, APIs, events/webhooks, retries, idempotency, processor integrations, reconciliation, settlement, and failure handling
• Used payment, risk, financial, or operational metrics to make product decisions
• Operated with high autonomy and incomplete information, contributing from week one
• Communicated effectively in writing and in person across Engineering, Risk, Legal/Compliance, Finance, Data, and Operations

Preferred

• Worked across multiple areas of money movement, such as ACH/bank rails, cards, payouts, payment orchestration, settlement/reconciliation, repayments, or fraud/risk decisioning
• Built or operated payment platforms, payment orchestration, routing, multi‑processor integrations, or money‑movement infrastructure
• Worked with payment exceptions, returns, retries, reversals, refunds, disputes, reconciliation, or recovery flows
• Worked with risk/fraud decisioning engines or financial controls
• Worked in Earned Wage Access, consumer lending, wage advance, payroll, or adjacent financial products
• Worked in a platform organization or built 0?1 financial infrastructure
• Operated products where reliability, financial correctness, transaction success, loss, recovery, and basis‑point economics matter
• Brought Staff, Principal, Lead, or equivalent‑level product management experience

This Role Is a Great Fit If You...

• Can look at a payment flow and quickly identify what is missing
• Can sit with an engineer and discuss the implications of a transaction state, timeout, retry, processor failure, or reconciliation break
• Don't stop at writing the PRD, and stay close through implementation and launch
• Are comfortable pulling data, investigating failed transactions, and figuring out what is actually happening
• Can distinguish a product problem from a technical problem, an operational problem, and a risk problem
• Can make decisions when the requirements aren't fully defined
• Enjoy complex financial infrastructure rather than being intimidated by it
• Understand that in payments, “mostly works” isn't good enough