SpotOn: Corporate
Product Manager (Treasury & Capital Solutions)
SpotOn: Corporate, San Francisco, California, United States, 94199
We’re not just building restaurant tech—we’re giving independent restaurants the tools to compete and win. From our award‑winning point‑of‑sale to AI‑powered profit tools, everything we do helps operators boost profit, work smarter, and keep their best people. And every solution is backed by real humans who actually give a sh*t about helping restaurants succeed.
Named the #1 Restaurant POS by G2
(Fall 2025), based on ratings from real users Rated the
top‑rated point‑of‑sale
for restaurants, bars, retail, and small businesses by Capterra users Awarded
Great Places to Work
and Built In’s
Best Workplaces
for multiple years running We move fast, care hard, and fight for independent restaurant operators to do what they love, and love doing it. If you’re looking to make an impact with heart and hustle, SpotOn is the place for you. About the Role
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. Responsibilities
Treasury Management & Settlement Balancing
Own the roadmap for settlement balancing, reconciliation, and treasury automation. Translate Finance Settlement Balancing team requests into initiatives that mitigate reconciliation risk and improve transparency. 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. Develop treasury management tools that automate payout orchestration, GL journaling, exception handling, and real‑time reconciliation reporting. Drive development of innovative, non‑traditional capital products that align financing with customer engagement‑structuring funding models. Champion data integrity and change management for finance systems.
Capital Lending Product Lifecycle
Lead originations, 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.
Cross‑Functional Leadership
Bridge between Finance and Engineering, ensuring product and financial accuracy requirements are clearly understood. Partner with Risk, Treasury, Finance, and Operations to deliver scalable, compliant solutions. Educate stakeholders 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. 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 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, including the ability to synthesize, organize, and convey complex information. Compensation
Base pay range: $150,000 – $200,000. Salary is one component of a competitive compensation package which includes a company stock plan. Offers will reflect the candidate’s location and experience. Benefits
Medical, Dental and Vision Insurance. 401k with company match. RSUs. Paid vacation, 10 company holidays, sick time, and volunteer time off. Employee Resource Groups to build community and inclusion. Monthly cell phone and internet stipend. Tuition reimbursement up to $2,000 per calendar year. Base salary range will vary depending on location and experience. SpotOn is an equal employment opportunity employer. Qualified candidates are considered for employment without regard to 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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(Fall 2025), based on ratings from real users Rated the
top‑rated point‑of‑sale
for restaurants, bars, retail, and small businesses by Capterra users Awarded
Great Places to Work
and Built In’s
Best Workplaces
for multiple years running We move fast, care hard, and fight for independent restaurant operators to do what they love, and love doing it. If you’re looking to make an impact with heart and hustle, SpotOn is the place for you. About the Role
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. Responsibilities
Treasury Management & Settlement Balancing
Own the roadmap for settlement balancing, reconciliation, and treasury automation. Translate Finance Settlement Balancing team requests into initiatives that mitigate reconciliation risk and improve transparency. 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. Develop treasury management tools that automate payout orchestration, GL journaling, exception handling, and real‑time reconciliation reporting. Drive development of innovative, non‑traditional capital products that align financing with customer engagement‑structuring funding models. Champion data integrity and change management for finance systems.
Capital Lending Product Lifecycle
Lead originations, 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.
Cross‑Functional Leadership
Bridge between Finance and Engineering, ensuring product and financial accuracy requirements are clearly understood. Partner with Risk, Treasury, Finance, and Operations to deliver scalable, compliant solutions. Educate stakeholders 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. 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 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, including the ability to synthesize, organize, and convey complex information. Compensation
Base pay range: $150,000 – $200,000. Salary is one component of a competitive compensation package which includes a company stock plan. Offers will reflect the candidate’s location and experience. Benefits
Medical, Dental and Vision Insurance. 401k with company match. RSUs. Paid vacation, 10 company holidays, sick time, and volunteer time off. Employee Resource Groups to build community and inclusion. Monthly cell phone and internet stipend. Tuition reimbursement up to $2,000 per calendar year. Base salary range will vary depending on location and experience. SpotOn is an equal employment opportunity employer. Qualified candidates are considered for employment without regard to 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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