Product Manager (Lending)

About SpotOn   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.

Capital Lending & Merchant Growth

• 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.

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 tr