Product Manager, SpotOn
Lending
$150-200k
+ RSUs
Point-of-sale software and payment processing
Be an early applicant
Point-of-sale software and payment processing
1001+ employees
Be an early applicant
$150-200k
+ RSUs
1001+ employees
Company mission
To empower small businesses to succeed and grow, by giving them access to cutting-edge payment and software solutions.
Role
Who you are
- 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
- Demonstrated ability to define product roadmaps in complex financial domains
- 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
- 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
What the job involves
- SpotOn is seeking a Product Manager – Treasury & Capital Solutions to lead product strategy across two critical domains: merchant capital lending and treasury/settlement management
- This role blends merchant-facing innovation (helping businesses access and repay capital seamlessly) with finance infrastructure excellence (ensuring cash flow accuracy, reconciliation, and automation at scale)
- You will act as a product subject matter expert (SME) at the intersection of payments, lending, and treasury operations — partnering with Finance and Engineering to design systems that are both merchant-friendly and operationally rigorous
- SpotOn processes billions of dollars annually for merchants who need immediate, often instant, access to funds, requiring precise float prediction. We need someone who can own the roadmap for settlement balancing, reconciliation, and treasury automation while continuing to keep our merchants’ challenges in mind
- Translate Finance Settlement Balancing team requests into initiatives that mitigate reconciliation risk, improve transparency, and enhance operational efficiency
- Partner with Engineering to reduce manual reconciliation by automating cash flow reporting, exception handling, and journal entry creation
- Improve accuracy and transparency in Day 1 (inbound deposits) and Day 2 (outbound payouts) flows
- 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
- Cashflow and capital are the lifeblood of our clients’ businesses. We want an individual that can own the product with that notion at the forefront of the products’ success
- Lead the capital lending product lifecycle: origination, underwriting, repayment flows, and merchant experience
- Design repayment models that integrate seamlessly into settlement cash flows
- Build transparent, self-service experiences for merchants to understand loans, repayments, and balances
- Partner with Risk and Finance to monitor lending performance and evolve repayment mechanics
- Align lending roadmap with SpotOn’s broader treasury and payout strategies
- 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
Our take
SpotOn is an end-to-end software and payment platform that provides businesses with a range of payment options, from simple mobile payments to fully integrated restaurant management systems, fueling growth and supporting business evolution, with its innovative, future-proof tools.
The company’s ecosystem of intuitive software, point-of-sale, and payment solutions serves businesses of all sizes from a range of industries, from local family restaurants to Major League Baseball Stadiums. From its flagship SpotOn Restaurant to its latest SpotOn Retail, the company provides tools that manage scheduling, analytics, custom website development, compliance, and omnichannel capabilities.
As a triple unicorn company, SpotOn has seen substantial growth since being founded in 2017, completing numerous funding rounds and consistently delivering new product capabilities and expanded offerings. SpotOn continues to focus on the further development of technology products as it expands its market reach within the retail, food, and hospitality sectors.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
31% employee growth in 12 months
Company
Funding (last 2 of 8 rounds)
May 2022
$300m
SERIES F
Sep 2021
$300m
SERIES E
Total funding: $915m
Company benefits
- Medical, Dental and Vision Insurance
- 401k with company match
- Stock Options
- Paid vacation, 11 company holidays, sick time, and volunteer time off
- Headspace membership for guided meditation and stress relieving tools through the Sequoia App
- Employee Resource Groups for Diversity and Inclusion, Women, LGBTQIA+, and other communities
- Desk, Chair and Monitor needed for your home office? We got you
- Monthly cell phone and internet stipend
- Unlimited access to virtual audio and visual workouts through the Sequoia App
- Subscription to Linkedin Learning to expand your knowledge on all kinds of fun topics
- Tuition reimbursement for up to 2k per calendar year to assist with classes of your choice
Company HQ
Financial District, San Francisco, CA
Leadership
Doron Friedman
(Managing Director)Having studied at the Wharton School, spent almost 11 years at Arroweye Solutions, rising to the position of CEO. Co-founded SpotOn in 2011, and was initially the company's co-CEO. Since 2017 has been Managing Director.
Matthew Hyman
(Managing Partner)Founded CardPayment Solutions in 2000, spending 5 years managing the company before starting CentralPayment Corp. After that co-founded SpotOn with Doron, working since 2017 as Managing Partner.
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