# Product Lead, Payments
**Company:** [Astra](https://hotfix.jobs/companies/astra)
**Location:** Remote
**Salary:** $140K-$225K
**Experience:** 6+ years
**Skills:** API Design, Payments Rails, Ach, Rtp, Fednow, Visa Direct, Mastercard Move, Stablecoins, Transaction Lifecycle, Reg E, Nacha, Chargeback Handling, Webhook Contracts, Multi-Rail Routing, Prds
**Posted:** 2026-03-20
> Owns end-to-end payments product including rails like ACH, RTP, Visa Direct, transaction lifecycles, API design, and compliance. Requires 6+ years PM experience with 3+ in payments infrastructure and deep transaction expertise. Highly cross-functional IC role driving strategy and alignment.
## Job Description
## Responsibilities

- End-to-end product ownership of Astra's payments rails – Visa Direct, Mastercard Move, RTP, FedNow, ACH, and stablecoin – from API contract through settlement and reconciliation
- Manage the transaction lifecycle: authorization, clearing, settlement, dispute/chargeback handling, and exception management
- Design developer-facing payments primitives: API design, payload schemas, error surfaces, and webhook contracts
- Develop multi-rail routing logic: selection, fallbacks, and optimization across rails based on speed, cost, and risk
- Handle payments compliance surface: Reg E implications, network rule adherence (VCR framework, dispute windows), and AML/sanctions workflow integration
- Define rail-specific product strategy and roadmap: capability gaps, emerging features, and monetization opportunities
- Partner with payment operations and engineering on incident response, degraded-rail scenarios, and SLA commitments

## Day-to-Day

- Write rigorous PRDs and technical specs for complex payment flows, handling edge cases, failure modes, and regulatory constraints
- Own the product roadmap, prioritizing rail expansions, developer experience improvements, and compliance requirements
- Conduct deep discovery with customers and prospects to surface unmet needs
- Partner with engineering to define API contracts, review implementation, and ensure developer ergonomics
- Collaborate with compliance and legal on network rule changes, NACHA updates, and card network bulletins
- Work with payment operations to define reconciliation requirements, exception-handling workflows, and ops tooling
- Represent the payments product in customer conversations, sales cycles, and external thought leadership

## Requirements

**Required Experience**
- 6+ years of product management experience, with at least 3 years building payments products at infrastructure, fintech, or card network depth
- Hands-on experience with at least two of: ACH, RTP/FedNow, Visa Direct/Mastercard Move, card issuing or acquiring, or stablecoin rails
- Deep familiarity with the transaction lifecycle – authorization, clearing, settlement, disputes – and operational mechanics
- Experience navigating Reg E, NACHA operating rules, or Visa/Mastercard network rules
- Strong API product instincts – shipped developer-facing payment APIs
- Comfort operating with ambiguity at the IC level
- Exceptional written communication for complex payment flow specs
- Demonstrated ability to influence across engineering, compliance, and operations without authority

**Preferred Experience**
- Experience at a BaaS provider, card network, sponsor bank, or payments infrastructure company
- Familiarity with stablecoin settlement rails (USDC, USDT) and interaction with fiat rails
- Background in chargeback lifecycle mechanics, dispute reason codes, or VCR workflow design
- Prior work on multi-rail routing or smart payment orchestration logic
**Apply:** https://hotfix.jobs/jobs/product-lead-payments-at-astra-7eb04450-f243-4566-bbf2-2b671bcf7d01
**Canonical:** https://hotfix.jobs/jobs/product-lead-payments-at-astra-7eb04450-f243-4566-bbf2-2b671bcf7d01