# Product Manager

**Company:** [SpotOn](https://hotfix.jobs/companies/spoton)
**Location:** Chicago, IL, Royal Oak, MI, San Francisco, CA, New York, NY, Austin, TX
**Role:** Product Management
**Salary:** $180k – $225k/yr
**Experience:** 5+ years
**Skills:** Payments, Product Management, Card-Present Payments, Card-Not-Present Payments, Payment Processing, Tokenization, Chargebacks, Pci Dss, Payment Routing, Interchange, Data Analytics, Kpi Dashboards, Merchant Settlement, Digital Wallets
**Posted:** 2026-09-08

> Own the strategy and execution of SpotOn’s end-to-end payments product, covering acceptance, processing, settlement, and merchant funding. The role requires 5+ years of product management experience, including substantial payments or fintech expertise, and strong cross-functional leadership.

## Job Description

## Responsibilities

### Payments Strategy & Execution
- Own the end-to-end payments product roadmap across card-present and card-not-present environments, including hospitality use cases.
- Define how chip cards, contactless payments, digital wallets, ecommerce tokens, and white-label loyalty are presented and accepted.
- Translate complex payment flows into intuitive merchant and staff experiences, including refunds, tips, adjustments, partial authorizations, and offline or stand-in authorization.
- Monitor and improve authorization rates, chargebacks, declines, disputes, latency, and reconciliation accuracy through data-driven experimentation.
- Partner with risk, compliance, and security teams on network rules and PCI DSS requirements.
- Partner with go-to-market teams to package and position payment capabilities.
- Work with processors, acquirers, gateways, and other partners to evaluate capabilities, routing options, and cost optimization.

### Money Movement & Remittance
- Partner with money movement and remittance teams to ensure timely settlement and accurate treatment of fees, adjustments, and chargebacks in merchant reporting.
- Connect payment decisions such as routing, interchange optimization, surcharging, and dual pricing to funding and remittance workflows.

### Cross-Functional Leadership
- Serve as the primary product contact for payments, aligning stakeholders around vision, roadmap, and success metrics.
- Facilitate decisions balancing technical constraints, regulatory considerations, and merchant needs.
- Communicate trade-offs, risks, dependencies, and progress to executives and senior leaders.
- Mentor and influence adjacent product teams on payment best practices and shared platform capabilities.
- Drive accountability, timely delivery, and learning from product launches.

## Requirements
- 5+ years of product management experience, including at least 3 years focused on payments, fintech, or related financial services products.
- Demonstrated product leadership and ability to influence senior stakeholders and cross-functional teams.
- Deep understanding of card-present and card-not-present payments, including authorization, capture, clearing, settlement, tokenization, risk, and chargebacks.
- Familiarity with merchant processing economics, including interchange, scheme fees, settlement, and remittance.
- Experience working with payment processors, acquirers, gateways, or card networks, preferably in a platform or multi-tenant merchant environment.
- Strong analytical skills, including working with payment datasets, building dashboards, defining KPIs, and using data for prioritization and experimentation.
- Experience shipping complex technical products in partnership with engineering and operations teams.
- Excellent written and verbal communication skills.
- Experience with customer discovery, user interviews, and feedback sessions with merchants or similar B2B customers.
- Strong ownership, bias toward action, and ability to manage multiple initiatives in a fast-paced environment.

## Compensation & Benefits
- Base salary: $180,000–$225,000 per year.
- Company stock plan and RSUs.
- Medical, dental, and vision insurance.
- 401(k) with company match.
- Paid vacation, company holidays, sick time, and volunteer time off.
- Employee resource groups.
- Monthly cell phone and internet stipend.
- Tuition reimbursement of up to $2,000 per calendar year.

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