Product Manager, Financial Products

About the role

Xplor Payments is the embedded payments engine powering vertical SaaS brands across fitness & wellness, home services, parks & recreation, and beyond. We process hundreds of millions of dollars in transactions annually through our Embedded Payments platform - and our internal financial operations must be as reliable as the products we sell. We are hiring a Product Manager to own the internal reconciliation and financial products that keep Xplor Payments running - the systems that track, settle, and account for every dollar that moves through our platform across the US, UK, EU and APAC. This is a high-trust, high-visibility role that directly impacts financial accuracy, regulatory compliance, and the integrity of our merchant and partner payouts. As the Product Manager for Internal Reconciliation and Financial Products, you will own the product strategy and roadmap for the internal tooling and platforms that reconcile Xplor Payments' transaction flows. You will work alongside our payments engineering, finance operations, and compliance teams to build robust, auditable, and increasingly automated reconciliation infrastructure. This role sits at a critical intersection: part internal tooling, part fintech infrastructure. You will define how Xplor Payments tracks funds-in-transit, identifies settlement discrepancies, manages disputes and chargebacks at scale, and reports financial positions across our global portfolio. Success in this role means fewer manual exceptions, faster close cycles, cleaner audit trails, and a finance team that trusts the numbers. Your mandate is to build from a strong base into a modern, automated, and scalable reconciliation engine across the globe. Reconciliation Product Strategy & Roadmap Own the end-to-end product roadmap for Xplor Pay's Internal reconciliation platform - covering transaction matching, settlement reconciliation, fee ledgering, and financial exception handling. Define a multi-year strategy to automate manual reconciliation workflows, reduce exception rates, and deliver real-time financial visibility to internal finance and operations teams. Align roadmap priorities with Xplor Pay's business objectives: merchant payout accuracy, partner settlement integrity, and scalable PayFac operations. Financial Products - Internal Tooling Drive product development for internal financial operations tools including: settlement dashboards, payout ledgers, chargeback and dispute tracking, fee calculation engines, and funding account management. Collaborate with Xplor Pay's finance teams to understand cash positioning needs and translate them into product requirements - including intraday funding visibility and end-of-day settlement reporting. Partner with the Chargeback Dispute Management team to ensure reconciliation data flows correctly into dispute workflows and evidence submissions. Ensure the automated reporting capabilities are powered by accurate, reconciled financial data. Discovery & Requirements Conduct structured discovery with Xplor Payments' finance operations, accounting, and treasury teams to surface friction in current reconciliation workflows. Map end-to-end money movement across Xplor's Pay's ecosystem - from merchant transaction to settlement to sub-merchant payout - and identify gaps where tooling fails to provide visibility or control. Define detailed PRDs, user stories, and acceptance criteria in close partnership with engineering leads and QA. Benchmark Xplor's internal reconciliation capabilities against fintech industry standards and peer PayFac operators. Execution & Delivery Lead AI Assisted delivery of reconciliation and financial product features. Establish and track KPIs including: exception rate (%), auto-match rate (%), time-to-close discrepancies, and finance team manual effort hours saved. Coordinate with Xplor's compliance, risk, and legal teams to ensure reconciliation products support PCI DSS requirements and audit readiness. Partner with data engineering teams to ensure reconciliation pipelines are accurate, performant, and observable. Stakeholder Engagement Serve as the primary product point of contact for Xplor Pay's internal finance, accounting, and treasury stakeholders. Present product roadmap, priorities, and trade-offs to Xplor Pay leadership and cross-brand finance teams. Support internal audit and regulatory requests by ensuring reconciliation products produce clean, exportable audit trails. Experience & Qualifications 5+ years of product management experience, with at least 3 years in payments, fintech, or financial operations software. Solid understanding of PayFac / payment facilitation models - including sub-merchant onboarding, funding flows, settlement, and fee structures. Hands-on experience with reconciliation concepts: transaction matching, exception management, settlement discrepancy resolution, and financial close processes. Proven ability to translate complex financial workflows into clear product requirements and scalable