SpotOn is seeking a Product Manager – Treasury & Capital Solutions to lead product strategy across merchant capital lending and treasury/settlement management, aiming to provide independent restaurants with tools to compete and win by boosting profit, working smarter, and ensuring financial stability.
Requirements
- 4+ years of product management in fintech, payments, lending, or treasury systems.
- Strong understanding of treasury operations and payment settlement processes.
- Experience in financial data reconciliation, accounting-integrated workflows, or treasury automation.
- Proficiency with data and reporting tools (e.g., SQL, Snowflake, Metabase, Netsuite).
- Skilled at translating finance requirements into product features and guiding engineers to build them.
Responsibilities
- own the roadmap for settlement balancing, reconciliation, and treasury automation
- Partner with Engineering to reduce manual reconciliation by automating cash flow reporting, exception handling, and journal entry creation.
- Drive development of treasury management tools that automate payout orchestration, GL journaling, exception handling, and real-time reconciliation reporting, enabling SpotOn merchants to track payouts and balances with clarity.
- Drive the development of innovative, non-traditional capital products that align merchants financing with customer engagement-structuring funding models where merchants receive upfront liquidity while repayment is naturally tied to customer spend and loyalty growth.
- Champion data integrity and change management for finance systems, ensuring reporting consistency as SpotOn evolves.
- Lead the capital lending product lifecycle: origination, underwriting, repayment flows, and merchant experience.
- Design repayment models that integrate seamlessly into settlement cash flows.
Other
- Act as a bridge between Finance and Engineering, ensuring product and financial accuracy requirements are clearly understood.
- Partner with Risk, Treasury, Finance, and Operations teams to deliver scalable, compliant solutions.
- Educate stakeholders on treasury processes and financial impacts of product decisions.
- Prioritize initiatives across capital lending and treasury management to balance merchant value with operational efficiency.
- Excellent cross-functional communication, with experience working across Finance, Risk, and Engineering.
- Strong organization and execution capabilities, including leading initiatives and cross functional teams
- Excellent communication and presentation skills including the ability to effectively synthesize, organize and communicate complex information
