Payment Product Lead

Overview

Credit Genie helps people get cash when they need it and build toward financial stability. Every advance and every repayment is a money-movement event across ACH and card rails, and as we scale toward millions of transactions, payments is the system that decides whether members get paid on time and whether the business is sustainable.

Rail and Instrument Strategy

• Decide when we use ACH vs. card, how fallbacks work, and how funding instruments are kept healthy.
• Put change-control around payment logic to ensure it never ships un-designed.

Funding-Instrument Health

• Own the card-update, AVS, and re-instrument flows that ensure funding instruments remain healthy.

Payment Orchestration

• Own cadence, retries, and the prevention of stuck or orphaned transactions at the system level.

Reconciliation and Settlement

• Own ledger integrity, settlement timing, and the money-movement path across our systems.

Reliability and Cost as Outcomes

• Own the payments scorecard (approval rate, outcomes, cost per dollar moved, money-movement uptime) and drive Engineering to hit it.

Requirements

• 8+ years in payments product, including meaningful time owning strategy and roadmap end to end.
• Deep ACH and card-network expertise: return/response codes, retry and representment rules, AVS/BIN behavior, settlement timing.
• You can explain why a specific instrument fails and design around it.
• System-level fluency in rail orchestration, fallback design, reconciliation, and ledgering.
• Leverage AI and diagnose from data. Define the metric; don't wait for a dashboard.
• A track record shipping on high-volume payment systems where you owned outcomes (rates, cost, reliability), not just features.

What Makes Someone Exceptional Here

• Productized payments operations before.
• Defined the metric; don't wait for a dashboard.
• Treated AI and agents as a way to build a platform, not as a buzzword.
• Moved cross-functional teams through clarity and credibility rather than authority.
• Takes the reliability and cost numbers personally.

This Role Is Not

• A payments-operations desk or pager rotation role.

Preferred Experience

• EWA or consumer fintech lending experience.
• Familiarity with reconciliation and financial-close processes.
• Hands-on with applying AI/automation to payment operations.

Benefits and Perks

• 100% company-paid medical, dental, and vision coverage for you and your dependents on your first day of employment.
• Up to $100 per month in fitness reimbursement or a complimentary full membership to LifeTime Fitness or Equinox.
• 401(k) with a 3.5% match and immediate vesting.
• Meal program available for both lunch and dinner.
• Pre-tax benefits, including a $1,000 HSA match.
• Life and accidental insurance.
• Flexible PTO.

Pay and Equity

• Your actual level and base salary will be determined on a case-by-case basis and may vary based on the following considerations: job-related knowledge and skills, education, and experience.
• You may also be eligible to participate in the bonus and equity programs.

Equal Opportunity Employer

• Credit Genie is a proud Equal Opportunity Employer where we welcome and celebrate differences.
• We are committed to providing a workspace that is safe and inclusive, where everyone feels supported, connected, and inspired to do their best work.