[Remote] Product Manager, Financial Products

Note: The job is a remote job and is open to candidates in USA. Xplor Technologies is a leading provider of embedded payments and vertical software solutions. They are seeking a Product Manager for Financial Products to own the internal reconciliation and financial products that ensure the accuracy and integrity of financial operations across their payments platform.

Responsibilities

• Own the end-to-end product roadmap for Xplor Pay’s Internal reconciliation platform — covering transaction matching, settlement reconciliation, fee ledgering, and financial exception handling
• Define a multi-year strategy to automate manual reconciliation workflows, reduce exception rates, and deliver real-time financial visibility to internal finance and operations teams
• Align roadmap priorities with Xplor Pay's business objectives: merchant payout accuracy, partner settlement integrity, and scalable PayFac operations
• Drive product development for internal financial operations tools including: settlement dashboards, payout ledgers, chargeback and dispute tracking, fee calculation engines, and funding account management
• Collaborate with Xplor Pay’s finance teams to understand cash positioning needs and translate them into product requirements — including intraday funding visibility and end-of-day settlement reporting
• Partner with the Chargeback Dispute Management team to ensure reconciliation data flows correctly into dispute workflows and evidence submissions
• Ensure the automated reporting capabilities are powered by accurate, reconciled financial data
• Conduct structured discovery with Xplor Payments' finance operations, accounting, and treasury teams to surface friction in current reconciliation workflows
• Map end-to-end money movement across Xplor's Pay’s ecosystem — from merchant transaction to settlement to sub-merchant payout — and identify gaps where tooling fails to provide visibility or control
• Define detailed PRDs, user stories, and acceptance criteria in close partnership with engineering leads and QA
• Benchmark Xplor's internal reconciliation capabilities against fintech industry standards and peer PayFac operators
• Lead AI Assisted delivery of reconciliation and financial product features
• Establish and track KPIs including: exception rate (%), auto-match rate (%), time-to-close discrepancies, and finance team manual effort hours saved
• Coordinate with Xplor's compliance, risk, and legal teams to ensure reconciliation products support PCI DSS requirements and audit readiness
• Partner with data engineering teams to ensure reconciliation pipelines are accurate, performant, and observable
• Serve as the primary product point of contact for Xplor Pay’s internal finance, accounting, and treasury stakeholders
• Present product roadmap, priorities, and trade-offs to Xplor Pay leadership and cross-brand finance teams
• Support internal audit and regulatory requests by ensuring reconciliation products produce clean, exportable audit trails

Skills

• 5+ years of product management experience, with at least 3 years in payments, fintech, or financial operations software
• Solid understanding of PayFac / payment facilitation models — including sub-merchant onboarding, funding flows, settlement, and fee structures
• Hands-on experience with reconciliation concepts: transaction matching, exception management, settlement discrepancy resolution, and financial close processes
• Proven ability to translate complex financial workflows into clear product requirements and scalable system designs
• Strong analytical skills; comfortable querying data (SQL), interpreting reconciliation reports, and defining metric-driven success criteria
• Experience owning internal or back-office product roadmaps with internal stakeholders as primary users
• Demonstrated ability to build trust and influence across engineering, finance, compliance, and executive stakeholders
• Bachelor's degree in Finance, Accounting or a related field
• Prior experience at a payment facilitator, acquirer, or vertical SaaS payments company
• Experience building or managing reconciliation tooling that processes high transaction volumes
• Knowledge of chargeback lifecycle management, dispute evidence workflows, and representment processes
• Exposure to treasury cash management, intraday liquidity tracking, or funding account management in a payments context
• MBA, CPA, or CTP (Certified Treasury Professional) designation
• Understands how money moves through a PayFac ecosystem end-to-end; connects upstream transaction data to downstream financial positions
• Builds strong relationships with internal finance, treasury, and compliance stakeholders; translates their operational pain into product action
• Moves with urgency, removes blockers, and holds delivery to high standards — especially for systems that handle financial data

Company Overview