Lead Product Manager, Payments

The Guarantors is a fintech company helping multifamily owners and operators mitigate leasing risk while expanding access for renters. With a deep understanding of owner, operator, and renter needs, we believe renters deserve better access to the home of their choice and operators deserve greater protection and growth opportunities. That’s why we’re leveraging our real estate expertise and using AI-driven renter underwriting to help operators qualify renters faster while mitigating the financial risk of renter default.

With $7B+ in lease value protected, we work with 9 of the country’s top 10 operators, are the #1 lease guarantee provider nationwide, and have consistently been named one of Inc. 5000’s fastest-growing companies, one of Forbes’ Best Startup Employers, and one of Deloitte’s Technology Fast 500.

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…