SpotOn: Product
Product Manager (Treasury & Capital Solutions)
SpotOn: Product, Detroit, Michigan, United States, 48228
Product Manager (Treasury & Capital Solutions)
About SpotOn: SpotOn is a fast‑moving tech company focused on empowering independent restaurants with point‑of‑sale, AI‑powered profit tools, and human‑centered support.
Named #1 Restaurant POS by G2 (Fall 2025)
Top‑rated point‑of‑sale by Capterra
Awarded Great Places to Work and Best Workplaces by Built In
We move fast, care hard, and fight for independent restaurant operators to do what they love.
About the Role SpotOn is seeking a Product Manager – Treasury & Capital Solutions to lead product strategy across merchant capital lending and treasury/settlement management.
Role blends merchant‑facing innovation with finance infrastructure excellence; SME at intersection of payments, lending, and treasury operations.
Responsibilities
Own roadmap for settlement balancing, reconciliation, treasury automation
Translate finance settlement balancing requests into initiatives reducing reconciliation risk and improving operational efficiency
Partner with Engineering to automate 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
Drive development of innovative capital products aligning merchant financing with customer engagement‑structuring funding models
Champion data integrity and change management for finance systems
Own capital lending product lifecycle: origination, underwriting, repayment flows, 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
Cross‑Functional Leadership
Bridge between Finance and Engineering ensuring product and financial accuracy requirements are 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
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 (SQL, Snowflake, Metabase, NetSuite)
Skilled at translating finance requirements into product features and guiding engineers to build them
Excellent cross‑functional communication and experience working across Finance, Risk, and Engineering
Strong organization and execution capabilities, including leading initiatives and cross‑functional teams
Excellent communication and presentation skills capturing complex information
Compensation
Base pay range $150,000–$200,000 depending on location and experience
Competitive stock plan and benefits package
Benefits
Medical, Dental, Vision insurance
401(k) with company match
RSUs
Paid vacation, 10 company holidays, sick time, 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 without regard to race, religion, 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.
#J-18808-Ljbffr
Named #1 Restaurant POS by G2 (Fall 2025)
Top‑rated point‑of‑sale by Capterra
Awarded Great Places to Work and Best Workplaces by Built In
We move fast, care hard, and fight for independent restaurant operators to do what they love.
About the Role SpotOn is seeking a Product Manager – Treasury & Capital Solutions to lead product strategy across merchant capital lending and treasury/settlement management.
Role blends merchant‑facing innovation with finance infrastructure excellence; SME at intersection of payments, lending, and treasury operations.
Responsibilities
Own roadmap for settlement balancing, reconciliation, treasury automation
Translate finance settlement balancing requests into initiatives reducing reconciliation risk and improving operational efficiency
Partner with Engineering to automate 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
Drive development of innovative capital products aligning merchant financing with customer engagement‑structuring funding models
Champion data integrity and change management for finance systems
Own capital lending product lifecycle: origination, underwriting, repayment flows, 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
Cross‑Functional Leadership
Bridge between Finance and Engineering ensuring product and financial accuracy requirements are 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
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 (SQL, Snowflake, Metabase, NetSuite)
Skilled at translating finance requirements into product features and guiding engineers to build them
Excellent cross‑functional communication and experience working across Finance, Risk, and Engineering
Strong organization and execution capabilities, including leading initiatives and cross‑functional teams
Excellent communication and presentation skills capturing complex information
Compensation
Base pay range $150,000–$200,000 depending on location and experience
Competitive stock plan and benefits package
Benefits
Medical, Dental, Vision insurance
401(k) with company match
RSUs
Paid vacation, 10 company holidays, sick time, 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 without regard to race, religion, 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.
#J-18808-Ljbffr