SpotOn: Product
Product Manager (Treasury & Capital Solutions)
SpotOn: Product, Chicago, Illinois, United States, 60290
Overview
Product Manager – Treasury & Capital Solutions, based in Chicago, IL. Lead product strategy across two critical domains: merchant capital lending and treasury/settlement management. This role blends merchant-facing innovation with finance infrastructure excellence, acting as a product subject matter expert at the intersection of payments, lending, and treasury operations. You will partner with Finance and Engineering to design systems that are merchant-friendly and operationally rigorous. Responsibilities
Treasury Management & Settlement Balancing: own the roadmap for settlement balancing, reconciliation, and treasury automation while keeping 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 automate cash flow reporting, exception handling, and journal entry creation to reduce manual reconciliation. 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 merchants to track payouts and balances clearly. Develop innovative, non-traditional capital products that align financing with customer engagement and growth. Champion data integrity and change management for finance systems, ensuring reporting consistency as SpotOn evolves. Own the product lifecycle for capital lending: origination, underwriting, repayment flows, and merchant experience. Design repayment models that integrate with settlement cash flows and build transparent, self-service experiences for loans, repayments, and balances. Partner with Risk and Finance to monitor lending performance and evolve repayment mechanics; align lending roadmap with broader treasury and payout strategies. Cross-Functional Leadership
Bridge between Finance and Engineering, ensuring product and financial accuracy requirements are understood. Collaborate with Risk, Treasury, Finance, and Operations to deliver scalable, compliant solutions. Educate stakeholders on treasury processes and the financial impacts of product decisions. Prioritize initiatives across capital lending and treasury management to balance merchant value with operational efficiency. Qualifications
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. Proven 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 across Finance, Risk, and Engineering. Strong organizational and execution capabilities, including leading cross-functional initiatives. Excellent communication and presentation skills with the ability to synthesize and convey complex information. Compensation
Base pay range starts at $150,000 - $200,000 for this role. The salary range is one component of a competitive compensation package including a company stock plan. Offers will reflect the candidate’s location and experience. Benefits & Equal Opportunity
SpotOn offers a comprehensive benefits package to support employees, including: Medical, Dental and Vision Insurance 401k with company match RSUs Paid vacation, holidays, sick time, and volunteer time off Employee Resource Groups for community and inclusion Monthly cell phone and internet stipend Tuition reimbursement up to $2,000 per calendar year SpotOn is an equal employment opportunity employer. Qualified candidates are considered for employment regardless of race, religion, gender, gender identity, sexual orientation, national origin, age, military or veteran status, disability, or any other characteristic protected by applicable law. SpotOn is an e-verify company.
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Product Manager – Treasury & Capital Solutions, based in Chicago, IL. Lead product strategy across two critical domains: merchant capital lending and treasury/settlement management. This role blends merchant-facing innovation with finance infrastructure excellence, acting as a product subject matter expert at the intersection of payments, lending, and treasury operations. You will partner with Finance and Engineering to design systems that are merchant-friendly and operationally rigorous. Responsibilities
Treasury Management & Settlement Balancing: own the roadmap for settlement balancing, reconciliation, and treasury automation while keeping 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 automate cash flow reporting, exception handling, and journal entry creation to reduce manual reconciliation. 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 merchants to track payouts and balances clearly. Develop innovative, non-traditional capital products that align financing with customer engagement and growth. Champion data integrity and change management for finance systems, ensuring reporting consistency as SpotOn evolves. Own the product lifecycle for capital lending: origination, underwriting, repayment flows, and merchant experience. Design repayment models that integrate with settlement cash flows and build transparent, self-service experiences for loans, repayments, and balances. Partner with Risk and Finance to monitor lending performance and evolve repayment mechanics; align lending roadmap with broader treasury and payout strategies. Cross-Functional Leadership
Bridge between Finance and Engineering, ensuring product and financial accuracy requirements are understood. Collaborate with Risk, Treasury, Finance, and Operations to deliver scalable, compliant solutions. Educate stakeholders on treasury processes and the financial impacts of product decisions. Prioritize initiatives across capital lending and treasury management to balance merchant value with operational efficiency. Qualifications
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. Proven 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 across Finance, Risk, and Engineering. Strong organizational and execution capabilities, including leading cross-functional initiatives. Excellent communication and presentation skills with the ability to synthesize and convey complex information. Compensation
Base pay range starts at $150,000 - $200,000 for this role. The salary range is one component of a competitive compensation package including a company stock plan. Offers will reflect the candidate’s location and experience. Benefits & Equal Opportunity
SpotOn offers a comprehensive benefits package to support employees, including: Medical, Dental and Vision Insurance 401k with company match RSUs Paid vacation, holidays, sick time, and volunteer time off Employee Resource Groups for community and inclusion Monthly cell phone and internet stipend Tuition reimbursement up to $2,000 per calendar year SpotOn is an equal employment opportunity employer. Qualified candidates are considered for employment regardless of race, religion, gender, gender identity, sexual orientation, national origin, age, military or veteran status, disability, or any other characteristic protected by applicable law. SpotOn is an e-verify company.
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