Staff Product Manager (Disbursements)

Role overview

A Staff Product Manager is needed to own the end-to-end strategy, execution, and integrity of an outbound payment ecosystem covering disbursements to consumers and disbursement funding across multiple payment rails. This senior leadership role modernizes payout infrastructure including support for real-time payment rails while ensuring transaction traceability, financial accuracy, and regulatory compliance at scale. The position is highly visible, with direct impact on customer trust, platform economics, and the ability to scale financial products.

Responsibilities

- Own the multi-year product roadmap for the full money movement lifecycle, with primary focus on disbursements to consumers - Define product vision for outbound payments balancing speed, reliability, compliance, operational efficiency, and cost - Lead strategy for selecting, routing, and optimizing payments across ACH, wires, RTP, FedNow, push-to-card, and digital wallets - Define rules for intelligent payout routing based on speed, cost, reliability, risk, and client expectations - Own payout configuration, timing, cutoffs, retries, reversals, and exception handling across rails - Ensure every outbound transaction is fully traceable, attributed, and reconcilable across systems - Translate complex money movement flows into clear product requirements and technical specifications - Build and manage relationships with banks, processors, and fintech infrastructure partners - Serve as internal subject matter expert for disbursements, payouts, and outbound money movement

Requirements

- 15+ years of product management experience with deep expertise in payments, money movement, disbursements, or payout platforms - Strong understanding of payment rails including ACH, wires, RTP, FedNow, card-based payouts, and digital wallets - Proven experience owning financial infrastructure including ledgering, reconciliation, settlement, and exception handling - Experience working directly with accounting, finance, and compliance teams - Demonstrated ability to lead complex, cross-functional initiatives at scale - Strong analytical and systems-thinking mindset with attention to detail and data integrity - Excellent communication skills and a track record of producing high-quality product documentation - Experience operating in agile development environments

Benefits and work setup

- Annual base salary range of $190,000–$230,000 USD - Stock options with standard startup vesting (1-year cliff, 4 years total) - $50 monthly communication stipend and $250 WFH setup stipend - Reimbursement for peripheral equipment including monitor, keyboard, and mouse - Premium medical benefits including vision and dental with 100% employee coverage - Company-sponsored life and disability insurance and 401(k) plan - Paid parental bonding leave, sick leave, jury duty, and bereavement leave - Flexible Time Off, Volunteer Time Off, and 13 scheduled holidays