Senior Product Manager - Payments
MercuryFull Time
Senior (5 to 8 years)
Candidates must have deep experience in the payments ecosystem, particularly in bill pay, money movement, financial reconciliation, and funding mechanics. A strong understanding of how different funding types operate, including bank debits (ACH, RTP, wires), card-based funding, digital wallets, and alternative funding methods is required. Expertise in managing liquidity, funding source verification, cutoff windows, transaction routing, and exception handling is essential. Familiarity with concepts like prefunding, sweep accounts, and funds availability is key. The role requires comfort with backend systems, managing cross-functional roadmaps, and defining strategic product direction.
The Senior Product Manager will lead the strategy and execution of the next-generation money movement platform, owning the systems that power money flow with a focus on settlement, reconciliation, funding orchestration, and general ledger integrations. They will drive execution across multiple payment rails and funding sources, ensuring operational accuracy, compliance, and performance at scale. Responsibilities include owning the end-to-end strategy for money movement general ledgering systems, defining and prioritizing product requirements for settlement timing, transaction visibility, reconciliation tooling, error handling, and disbursement processing. The role involves leading product capabilities that support diverse funding methods, communicating the product development roadmap, defining user stories, organizing the backlog, and acting as a subject matter expert in funding mechanics and payment infrastructure.
Flexible payments platform for diverse transactions
PayNearMe provides a payments platform that allows customers to pay in various ways, including cards, ACH transactions, cash, and mobile payment methods like PayPal and Venmo. The platform is designed to enhance the payment experience for both customers and businesses, making it easy for clients such as consumer lenders and online gaming companies to collect payments. PayNearMe stands out by offering a secure cash payment service at over 60,000 retail locations, which simplifies the payment process for users who prefer cash. Additionally, the platform utilizes artificial intelligence to personalize customer experiences and improve bill pay. The company's goal is to create a seamless and user-friendly payment experience while generating revenue through fees charged to businesses for processing payments.