SpotOn, Inc
Product Manager (Lending) San Francisco, CA
SpotOn, Inc, Snowflake, Arizona, United States, 85937
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
(POS) 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 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 product’s 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. Cross-Functional Leadership 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. 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, 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 Compensation: Our base pay range starts at $150,000 -$200,000 for this role Please note the salary range listed is just one component of a competitive compensation package which includes a company stock plan Offers will be reflective of the candidate’s location and experience. At SpotOn, we put people above everything else. We’re known for our innovative software and technology solutions, but we stand out because of the hard-working humans behind the tech. We can’t take care of our clients without taking care of our employees first, and that’s why we invest in you with a competitive benefits package which includes: 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 at work Monthly cell phone and internet stipend Tuition reimbursement for up to $2,000 per calendar year to assist with your professional development The base salary range listed will vary depending on location and experience. Base salary range $150,000 - $200,000 USD 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. Create a Job Alert Interested in building your career at SpotOn: Corporate? Get future opportunities sent straight to your email. Accepted file types: pdf, doc, docx, txt, rtf Please add the link to your LinkedIn profile: Will you (now or in the future) require sponsorship to work in the US? * Select... What is your experience with payment settlement processes? * Voluntary Self-Identification
For government reporting purposes, we ask candidates to respond to the below self-identification survey.Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file. As set forth in SpotOn: Corporate’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law. If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows: A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability. A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service. An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense. An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985. Select... Voluntary Self-Identification of Disability
Form CC-305 Page 1 of 1 OMB Control Number 1250-0005 Expires 04/30/2026 Voluntary Self-Identification of Disability Form CC-305 Page 1 of 1 OMB Control Number 1250-0005 Expires 04/30/2026 Why are you being asked to complete this form?
We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years. Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp . How do you know if you have a disability?
A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability.
Disabilities include, for example, but are not limited to: Alcohol or other substance use disorder (not currently using drugs illegally) Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS Blind or low vision Cancer (past or present) Cardiovascular or heart disease Celiac disease Cerebral palsy Deaf or serious difficulty hearing Diabetes Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders Epilepsy or other seizure disorder Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome Intellectual or developmental disability Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD Missing limbs or partially missing limbs Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS) Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities Partial or complete paralysis (any cause) Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema Short stature (dwarfism) Traumatic brain injury Disability Status Select... #J-18808-Ljbffr
(POS) 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 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 product’s 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. Cross-Functional Leadership 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. 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, 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 Compensation: Our base pay range starts at $150,000 -$200,000 for this role Please note the salary range listed is just one component of a competitive compensation package which includes a company stock plan Offers will be reflective of the candidate’s location and experience. At SpotOn, we put people above everything else. We’re known for our innovative software and technology solutions, but we stand out because of the hard-working humans behind the tech. We can’t take care of our clients without taking care of our employees first, and that’s why we invest in you with a competitive benefits package which includes: 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 at work Monthly cell phone and internet stipend Tuition reimbursement for up to $2,000 per calendar year to assist with your professional development The base salary range listed will vary depending on location and experience. Base salary range $150,000 - $200,000 USD 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. Create a Job Alert Interested in building your career at SpotOn: Corporate? Get future opportunities sent straight to your email. Accepted file types: pdf, doc, docx, txt, rtf Please add the link to your LinkedIn profile: Will you (now or in the future) require sponsorship to work in the US? * Select... What is your experience with payment settlement processes? * Voluntary Self-Identification
For government reporting purposes, we ask candidates to respond to the below self-identification survey.Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file. As set forth in SpotOn: Corporate’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law. If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows: A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability. A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service. An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense. An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985. Select... Voluntary Self-Identification of Disability
Form CC-305 Page 1 of 1 OMB Control Number 1250-0005 Expires 04/30/2026 Voluntary Self-Identification of Disability Form CC-305 Page 1 of 1 OMB Control Number 1250-0005 Expires 04/30/2026 Why are you being asked to complete this form?
We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years. Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp . How do you know if you have a disability?
A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability.
Disabilities include, for example, but are not limited to: Alcohol or other substance use disorder (not currently using drugs illegally) Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS Blind or low vision Cancer (past or present) Cardiovascular or heart disease Celiac disease Cerebral palsy Deaf or serious difficulty hearing Diabetes Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders Epilepsy or other seizure disorder Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome Intellectual or developmental disability Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD Missing limbs or partially missing limbs Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS) Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities Partial or complete paralysis (any cause) Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema Short stature (dwarfism) Traumatic brain injury Disability Status Select... #J-18808-Ljbffr