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. We're hiring our first Payments Product Lead to own that system as a product.

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

• You've productized payments operations before. You've built or driven the tooling and automation that turns payment diagnosis into a standing capability, and you treat AI and agents as a way to build that platform, not as a buzzword.
• You move cross-functional teams through clarity and credibility rather than authority, and you take the reliability and cost numbers personally.

What This Role Is Not

• This is a product role. You are accountable for payments reliability and cost as outcomes and you design the system that delivers them, but on-call and incident command live with our Engineering and SRE teams.

Benefits and Perks

• 100% company-paid medical, dental, and vision coverage for you and your dependents on your first day of employment.
• Receive up to $100 per month in fitness reimbursement or enjoy 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.