Product Manager, Financial Products

• Compensation: USD 110,000 - USD 150,000 - yearly

Xplor Technologies powers the experiences at the heart of everyday life. Through modern vertical software, embedded payments (Xplor Pay), and AI-powered capabilities, we help businesses in fitness, recreation, golf and club, field services, laundry, education, and othermembership-based and service-basedindustriessimplify operations, uncover insights, and elevate customer and member experiences.

With Xplor Pay, we help businesses get paid quickly and securely – without hidden fees. We built the tech ourselves, and our platform delivers secure, transparent, fast, and accurate payments.

And when you become part of our Xplor Pay Direct Sales team, you also become part of the personal connection that strengthens the relationship people have with Xplor products.

Xplor Payments is the embedded payments engine powering vertical SaaS brands across fitness & wellness, home services, parks & recreation, and beyond. We process hundreds of millions of dollars in transactions annually through our Embedded Payments platform — and our internal financial operations must be as reliable as the products we sell.

We are hiring a Product Manager to own the internal reconciliation and financial products that keep Xplor Payments running — the systems that track, settle, and account for every dollar that moves through our platform across the US, UK, EU and APAC. This is a high-trust, high-visibility role that directly impacts financial accuracy, regulatory compliance, and the integrity of our merchant and partner payouts.

As the Product Manager for Internal Reconciliation and Financial Products, you will own the product strategy and roadmap for the internal tooling and platforms that reconcile Xplor Payments' transaction flows. You will work alongside our payments engineering, finance operations, and compliance teams to build robust, auditable, and increasingly automated reconciliation infrastructure.

This role sits at a critical intersection: part internal tooling, part fintech infrastructure. You will define how Xplor Payments tracks funds-in-transit, identifies settlement discrepancies, manages disputes and chargebacks at scale, and reports financial positions across our global portfolio. Success in this role means fewer manual exceptions, faster close cycles, cleaner audit trails, and a finance team that trusts the numbers. Your mandate is to build from a strong base into a modern, automated, and scalable reconciliation engine across the globe.

• Own the end-to-end product roadmap for Xplor Pay’s Internal reconciliation platform — covering transaction matching, settlement reconciliation, fee ledgering, and financial exception handling.
• Define a multi-year strategy to automate manual reconciliation workflows, reduce exception rates, and deliver real-time financial visibility to internal finance and operations teams.
• Align roadmap priorities with Xplor Pay's business objectives: merchant payout accuracy, partner settlement integrity, and scalable Pay Fac operations.

Financial Products – Internal Tooling

• Drive product development for internal financial operations tools including: settlement dashboards, payout ledgers, chargeback and dispute tracking, fee calculation engines, and funding account management.
• Collaborate with Xplor Pay's finance teams to understand cash positioning needs and translate them into product requirements — including intraday funding visibility and end-of-day settlement reporting.
• Partner with the Chargeback Dispute Management team to ensure reconciliation data flows correctly into dispute workflows and evidence submissions.
• Ensure the automated reporting capabilities are powered by accurate, reconciled financial data.

Discovery & Requirements

• Conduct structured discovery with Xplor Payments' finance operations, accounting, and treasury teams to surface friction in current reconciliation workflows.
• Map end-to-end money movement across Xplor's Pay's ecosystem — from merchant transaction to settlement to sub-merchant payout — and identify gaps where tooling fails to provide visibility or control.
• Define detailed…