Lead Product Manager

Requirements

• 6+ years of product management experience, with meaningful ownership of payments, billing, fintech, financial operations, accounting systems, insurance operations, marketplaces, lending, or other complex money movement products
• Experience building products that involve accounts receivable, accounts payable, invoicing, reconciliation, payouts, commissions, or accounting integrations
• Strong systems thinking and ability to break down complex workflows into scalable product capabilities
• Demonstrated ability to work closely with finance, accounting, operations, engineering, legal, compliance, and go-to-market teams
• Strong analytical skills and comfort working with spreadsheets, financial data, transaction records, payment statuses, and operational workflows
• Ability to define clear product requirements in ambiguous, high-complexity environments
• Excellent written and verbal communication skills, especially with cross-functional and executive stakeholders
• Strong prioritization judgment and ability to balance operational urgency with long-term platform strategy

• The Lead Product Manager, Payments, will own one of the most operationally and financially critical product areas at The Guarantors: how we collect, move, track, reconcile, and report money across our consumer, business, partner, broker, and property management relationships
• Today, many of our accounts receivable, accounts payable, invoicing, reconciliation, and commission workflows are manual, spreadsheet-driven, or not fully integrated into our core product and accounting systems
• This role will lead the effort to turn those workflows into scalable, auditable, well-integrated product capabilities
• This is a highly cross-functional role for someone who can operate in ambiguity, understand complex money movement workflows, and translate messy operational processes into clean product systems
• You will own the product vision, roadmap, and execution for payments and financial operations capabilities across accounts receivable, accounts payable, billing, invoicing, reconciliation, accounting integrations, and operational tooling
• This includes consumer payment collection, business-level billing and invoicing, claims payouts, partner payment preferences, broker commissions, channel and marketing partner payments, refunds, adjustments, payment responsibility logic, and reconciliation workflows
• You will also help define the systems, data models, controls, and integrations needed to support accurate financial reporting, operational efficiency, and scalable growth across multiple insurance and surety products
• Define the product strategy and roadmap for payments, billing, collections, payouts, invoicing, reconciliation, and accounting integrations
• Prioritize across consumer AR, B2B AR, AP, claims payouts, broker commissions, partner payments, and operational tooling
• Replace manual, spreadsheet-heavy workflows with reliable, auditable systems
• Own product capabilities that support consumer payment collection for surety bonds and related products
• Define workflows for business-paid accounts, including billing, invoicing, payment collection, reconciliation, and account-level payment responsibility
• Partner with stakeholders to define eligibility logic for automated indemnification and related account-level controls
• Support AR needs across multiple product lines, including surety and brokered insurance products such as HO-4 renters insurance
• Define scalable workflows for claims payouts to business customers and property partners, including property-level payment preferences such as ACH and check
• Build capabilities for broker commissions, channel partner payments, marketing partner payments, and other complex payout workflows
• Partner closely with finance and accounting to define requirements for reconciliation, reporting, journal entries, settlement tracking, payment status, and auditability
• Help connect product systems with accounting and financial operations systems
• Map current workflows across spreadsheets, internal tools, payment processors, accounting systems, carrier/broker workflows, and manual operating procedures
• Translate operational complexity into clear product requirements, user stories, data models, and phased delivery plans
• Work with engineering to design scalable systems that support complex edge cases without creating unnecessary operational burden
• Define metrics, monitor adoption, and continuously improve the performance and reliability of payments-related systems