[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.ResponsibilitiesOwn the end-to-end product roadmap for Xplor Pay’s Internal reconciliation platform — covering transaction matching, settlement reconciliation, fee ledgering, and financial exception handlingDefine a multi-year strategy to automate manual reconciliation workflows, reduce exception rates, and deliver real-time financial visibility to internal finance and operations teamsAlign roadmap priorities with Xplor Pay's business objectives: merchant payout accuracy, partner settlement integrity, and scalable PayFac operationsDrive product development for internal financial operations tools including: settlement dashboards, payout ledgers, chargeback and dispute tracking, fee calculation engines, and funding account managementCollaborate 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 reportingPartner with the Chargeback Dispute Management team to ensure reconciliation data flows correctly into dispute workflows and evidence submissionsEnsure the automated reporting capabilities are powered by accurate, reconciled financial dataConduct structured discovery with Xplor Payments' finance operations, accounting, and treasury teams to surface friction in current reconciliation workflowsMap 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 controlDefine detailed PRDs, user stories, and acceptance criteria in close partnership with engineering leads and QABenchmark Xplor's internal reconciliation capabilities against fintech industry standards and peer PayFac operatorsLead AI Assisted delivery of reconciliation and financial product featuresEstablish and track KPIs including: exception rate (%), auto-match rate (%), time-to-close discrepancies, and finance team manual effort hours savedCoordinate with Xplor's compliance, risk, and legal teams to ensure reconciliation products support PCI DSS requirements and audit readinessPartner with data engineering teams to ensure reconciliation pipelines are accurate, performant, and observableServe as the primary product point of contact for Xplor Pay’s internal finance, accounting, and treasury stakeholdersPresent product roadmap, priorities, and trade-offs to Xplor Pay leadership and cross-brand finance teamsSupport internal audit and regulatory requests by ensuring reconciliation products produce clean, exportable audit trailsSkills5+ years of product management experience, with at least 3 years in payments, fintech, or financial operations softwareSolid understanding of PayFac / payment facilitation models — including sub-merchant onboarding, funding flows, settlement, and fee structuresHands-on experience with reconciliation concepts: transaction matching, exception management, settlement discrepancy resolution, and financial close processesProven ability to translate complex financial workflows into clear product requirements and scalable system designsStrong analytical skills; comfortable querying data (SQL), interpreting reconciliation reports, and defining metric-driven success criteriaExperience owning internal or back-office product roadmaps with internal stakeholders as primary usersDemonstrated ability to build trust and influence across engineering, finance, compliance, and executive stakeholdersBachelor's degree in Finance, Accounting or a related fieldPrior experience at a payment facilitator, acquirer, or vertical SaaS payments companyExperience building or managing reconciliation tooling that processes high transaction volumesKnowledge of chargeback lifecycle management, dispute evidence workflows, and representment processesExposure to treasury cash management, intraday liquidity tracking, or funding account management in a payments contextMBA, CPA, or CTP (Certified Treasury Professional) designationUnderstands how money moves through a PayFac ecosystem end-to-end; connects upstream transaction data to downstream financial positionsBuilds strong relationships with internal finance, treasury, and compliance stakeholders; translates their operational pain into product actionMoves with urgency, removes blockers, and holds delivery to high standards — especially for systems that handle financial dataCompany OverviewXplor Technologies is a global platform integrating SaaS solutions, embedded payments, and Commerce Accelerating Technologies. It was founded in 2021, and is headquartered in Atlanta, Georgia, USA, with a workforce of 1001-5000 employees. Its website is https://www.xplortechnologies.com/.