Sr. Product Manager (Alternative Payments)
PayNearMe
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.
Responsibilities:
We are seeking a Senior Product Manager at the intersection of banking, payments, and digital platforms – someone who combines strategic-level thinking with hands-on product execution, to support payments and disbursements across a diverse ecosystem of billers, merchants, and financial partners.
This senior individual contributor role is ideal for a product leader who:
- Thinks in multi-year platform strategy,
- understands the economics and mechanics of electronic payments,
- has taken products from zero to launch, and
- prefers working shoulder-to-shoulder with engineering teams to deliver.
Our electronic payments platform powers consumer experiences and merchant efficiency across both traditional rails (cash, cards, ACH) and next-generation methods (wallets, real-time payments, BNPL), with deep operational intelligence.
You will lead Wallet and Alternative Payment initiatives spanning:
- Real-Time Payments (RTP, FedNow)
- Request for Payment (RfP)
- Digital Wallets (Cash App, PayPal/Venmo, Apple Pay, Google Pay)
- BNPL & alternative financing options
- B2C consumer payments and disbursements
- B2B merchant/biller funding flows
This is a highly-visible driver role in a complex high-impact domain, with ownership of strategic payment capabilities that drive company growth. You will have direct influence on next-gen payment rails, and the opportunity to shape how modern money movement is built and scaled.
Strategic Vision with Hands-On Execution
- Define and communicate a clear product vision grounded in market opportunity and economics.
- Build and drive multi-quarter roadmaps aligned to company growth.
- Translate strategy into detailed requirements, integration and launch plans.
- Remain deeply engaged with delivery teams throughout execution — not just at planning stages.
0 → 1 Product Development
- Identify new electronic payment and funding opportunities through market analysis and ecosystem analysis.
- Build business cases including TAM, unit economics, pricing, and margin considerations.
- Lead products from concept through integration, certification, launch, and scale.
- Expand capabilities across new use cases, partners, and verticals.
Processor & Partner Integration
- Evaluate processing, banking, and wallet partners.
- Lead integrations with gateways, issuing/acquiring banks, real-time networks, and wallet providers.
- Work at the API and architecture level with internal and partner technical teams.
- Navigate certification processes, compliance requirements, settlement models, and operational readiness.
Payments + Disbursements Expertise
- Design flows for both inbound consumer payments and outbound disbursements.
- Understand merchant/biller funding models and liquidity considerations.
- Balance speed, cost, risk, and customer experience across rails.
Operationalization & Risk Alignment
- Ensure products are fully operationalized at launch — not just shipped.
- Partner with Risk, Compliance, Legal, and Finance to formalize controls.
- Embed fraud mitigation, regulatory requirements, and operational workflows into product architecture.
- Define reconciliation, reporting, exception handling, and support models upfront.
AI-Enabled Productivity
- Use AI tools to accelerate product discovery, experimentation, documentation, and decision-making.
- Identify opportunities to apply AI across payments, risk, and operations.
- Encourage AI-enabled workflows across Product and cross-functional teams.
Qualifications:
Senior-Level Strategic Builder
- 8–12+ years of Product Management experience in FinTech or electronic payments.
- Ability to operate at executive altitude while still driving detailed execution.
- Strong point of view on where wallet, real-time, and alternative payment ecosystems are heading.
- Experience evaluating market opportunities and structuring partnerships.
- Demonstrated 0→1 product launches in payments.
Integration & Ecosystem Experience
- Hands-on experience integrating with processors, banks, or payment networks
- Builds relationships, roadmap alignment, and clarity across external partners.
- Comfortable owning certification and go-live processes
Technical & Cross-Functional Leadership
- Fluent in APIs, system design, and payment orchestration concepts
- Able to work seamlessly across Engineering, Risk, Compliance, Finance, and external partners
- Excellent communicator who can align stakeholders across business and technical teams.
- Brings clarity to complex systems and decisions
Deep Payments Fluency
Strong working knowledge of:
- Card networks and debit rails
- ACH and bank-based payments
- Real-time rails (RTP, FedNow)
- Wallet ecosystems and tokenization
- BNPL and alternative financing
- Settlement, reconciliation, funding, and dispute flows
- Consumer payments and disbursements
- B2B merchant/biller funding models
Cross-Vertical Insight
Experience and perspective in one or more of the following is highly valued:
- Lending & alternative credit
- Banking and embedded finance
- Gaming or high-volume transaction platforms
- Bill payment ecosystems
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
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.
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:
- the categories of Personal Information that the Company collects and maintains about applicants; and
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.