Company Description

At PayNearMe, we’re on a mission to make paying and getting paid as simple as possible. We build innovative technology that transforms the way businesses and their customers experience payments. Our industry-leading platform, PayXM™, is the first of its kind—designed to manage the entire payment experience from start to finish. Every click, swipe or tap is seamless, fast and secure, helping non-commerce businesses boost customer satisfaction, accelerate payments, and reduce costs.

Our single platform handles it all: cards, ACH, digital wallets such as PayPal, Venmo, Cash App Pay, Apple Pay and Google Pay, and even cash at more than 62,000 retail locations nationwide. Today, thousands of businesses across consumer lending, iGaming and online sports betting, property management, and tolling trust PayNearMe to deliver a payment experience that drives real results.

In September 2025, we raised a $50 million Series E funding round to accelerate our growth.

We’re a team of 200+ employees across 41 states, headquartered in Silicon Valley with satellite offices in Dallas, TX and Holmdel, NJ.

Join us and be part of a team that’s shaping the future of payments—one experience at a time.

Job Description

We’re looking for a Senior Product Manager to lead the strategy and execution of our next-generation money movement platform. You’ll own the systems that power how money flows through our ecosystem with a focus on settlement, funding orchestration, and building redundancy to allow the platform to move money more intelligently and reliably.

In this role, you’ll be at the center of our financial infrastructure, working across product, engineering, compliance, and accounting teams to build scalable, reliable payment systems. You’ll drive execution across multiple payment rails and funding sources, ensuring operational accuracy, compliance, and performance at scale.

We’re seeking someone with deep experience in the payments ecosystem, particularly in bill pay, money movement, financial reconciliation, funding mechanics, settlement cycles, and payout operations. You should have a strong understanding of how different funding types operate, including bank debits (ACH, RTP, wires), card funding, digital wallets, and alternative funding methods.

You should be equally comfortable diving into backend systems, managing cross-functional roadmaps, and defining strategic product direction. This is a high-impact role where you’ll shape the future of how we move, settle, distribute, and track money, and unlock new capabilities for the business as we scale.

Key Responsibilities

• Own the end-to-end strategy for settlement and payout ledgering systems, ensuring all funds movement is accurately recorded, reconciled, and attributed across internal platforms, supporting a broad range of inbound funding methods and outbound settlement channels.
• Define and prioritize product requirements that directly impact how money settles and is paid out, including settlement timing, transaction visibility, reconciliation workflows, exception/error handling, and payout processing.
• Lead product capabilities that enable diverse funding methods, including ACH debits and credits, card-based transactions, digital wallets, real-time payment networks, and emerging instant payout rails.
• Communicate and maintain the settlement & payouts roadmap across agile teams and stakeholders, writing clear user stories and technical requirements to guide implementation across both legacy systems and new platform initiatives.
• Own backlog organization and prioritization in partnership with Engineering leadership, ensuring capacity planning aligns with business needs, regulatory timelines, and operational risk, while leading backlog refinement, grooming, and sprint planning to give teams the clarity and structure needed to deliver reliable settlement and disbursement functionality.
• Serve as the SME on settlement flows, funding mechanics, and payout infrastructure, translating complex payment behaviors into actionable product requirements by collaborating closely with product, engineering, operations, accounting, and compliance teams.
• Work cross-functionally to design and deliver products that optimize the full money movement lifecycle from origination to processing, through settlement, and ultimately to customer or partner payouts.
• Conduct market research and monitor evolving trends, regulations, and innovations across payment networks, settlement technologies, and payout methods to inform long-term product strategy.
• Partner with go-to-market teams to support rollout of new settlement and payout capabilities, ensuring clear documentation, internal training, and effective product positioning.

Qualifications

• 8+ years of product management experience, with a strong focus on money movement, reconciliation, and settlement
• An understanding of accounting principles and experience working directly with accounting teams
• Payments industry knowledge, including experience with ACH, wire transfers, card settlements, and reconciliation processes
• Strong technical, analytical, and problem-solving skills, with demonstrated ability to leverage data in making informed product decisions
• Exceptional communication and leadership capabilities, with experience guiding development teams and managing cross-functional stakeholder relationships
• Must be detail-oriented, with a commitment to delivering high-quality product documentation
• Intrinsic curiosity to dive into complex problems and review solutions
• Working knowledge of JIRA and Confluence
• Familiarity with accounting processes and financial events

Additional Information

Why Join Us?:

• Competitive salary and benefits with growth-company options grant
• Fast- paced and professional work culture
• Stock options with standard startup vesting - 1 year cliff; 4 years total
• $50 monthly communication expense stipend to go towards your phone/internet bill
• $250 stipend to enhance your WFH setup
• Reimbursement for peripheral equipment: monitor (up to $400), keyboard and mouse (up to $200)
• Premium medical benefits including vision and dental (100% coverage for employees)
• Company-sponsored life and disability insurance
• Paid parental bonding leave
• Paid sick leave, jury duty, bereavement
• 401k plan
• Flexible Time Off (our team members typically take off ~3-4 weeks per year)
• Volunteer Time Off
• 13 scheduled holidays

Salary Range: $150,000 - $185,000

PayNearMe strives to create a workplace where all employees thrive. Our core values represent who we are today and we take pride in the way we work with each other as well as with our stakeholders.

We’re in this together to do the right thing. We deliver real results we are proud of while remaining respectful, transparent, and flexible.

PayNearMe is an equal opportunity employer. We are diligently and thoughtfully working towards cultivating a diverse workforce which in turn, enhances our products and services for the communities we serve. Applicants who represent all backgrounds are strongly encouraged to apply.

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CALIFORNIA CONSUMER PRIVACY ACT: APPLICANT NOTICE

Effective Date: January 1, 2020

Last Reviewed on: December 23, 2019

PayNearMe, Inc. (the “Company”) is providing you with this Notice (“Notice”) to inform you about:

1. the categories of Personal Information that the Company collects and maintains about applicants; and
2. the purposes for which the Company uses that Personal Information.

For purposes of this Notice, “Personal Information” means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly with, a natural person that the Company may collect in connection with screening applicants for job openings at the Company.

1. Identifiers and Professional or Employment-Related Information. The Company collects identifiers and professional or employment-related information, which may include some or all the following: real name, nickname or alias, postal address, telephone number, e-mail address, membership in professional organizations, professional certifications, language skills, and current and past employment history. The Company collects this Personal Information to evaluate previous job performance and consider applicants for positions, to develop a talent pool and plan for succession, to conduct applicant surveys, to maintain an internal applicant directory and for purposes of identification, to promote the Company as a place to work, and for workforce reporting and data analytics/trend analysis.
2. Personal Information Categories from Cal. Civ. Code § 1798.80(e). The Company may collect categories of Personal Information listed in Cal. Civ. Code §1798.80(e), other than those already listed above, (a) to the extent necessary to comply with the Company’s legal obligations, such as to accommodate disabilities; (b) to conduct a direct threat analysis in accordance with the Americans with Disabilities Act and state law; (c) for occupational health and safety compliance and record-keeping; and (d) to respond to an applicant’s medical emergency.
3. Characteristics of Protected Classifications Under California or Federal Law. The Company may collect information about race, age, national origin, disability, sex, and veteran status as necessary to comply with legal obligations, including the reporting requirements of the federal Equal Employment Opportunity Act, the federal Office of Contracting Compliance Programs (applicable to government contractors), and California’s Fair Employment and Housing Act. The Company collects this Personal Information for purposes including: to comply with Federal and California law related to accommodation. The Company also collects this category of Personal Information on a purely voluntary basis, except where required by law, and uses the information only in compliance with applicable laws and regulations.
4. Education Information. The Company collects education information such as resumes and graduation records. The Company collects this Personal Information to determine suitability for roles, to determine eligibility for training courses, and to assist with professional licensing.
5. Profile Data. The Company may collect profile data, including the following: psychological assessments, behavior analyses, or other profiling of its applicants. The Company collects this Personal Information to determine aptitude for certain positions and job assignments as well.
6. Background Screening Information. In the event that an applicant is given a formal job offer, the Company collects background screening information prior to hiring, including results of the following types of background screening: criminal history; sex offender registration; motor vehicle records; credit history; employment history; drug testing; and educational history. The Company collects this Personal Information to screen for risks to the Company and its clients, and continued suitability for their jobs and to evaluate applicants for promotions.

Assistance for Disabled Applicants

Alternative formats of this Notice are available to individuals with a disability. Please let us know if you need assistance.

All your information will be kept confidential according to EEO guidelines.