Credit Genie

Payment Product Lead

New York, NY · Exec

Sponsorship not specifiedDetected 21 days ago

SwiftRailsSite Reliability EngineeringCadenceCollaboration

About the role

Every advance and every repayment is a money-movement event across ACH and card rails, and as we scale toward millions of transactions, payments is the system that decides whether members get paid on time and whether the business is sustainable.
You will be the single owner of how money moves: the rails, the funding instruments, the orchestration, the reconciliation, and the reliability and cost of all of it.

Rail and instrument strategy. Decide when we use ACH vs. card, how fallbacks work, and how funding instruments are kept healthy. Put change-control around it so payment logic never ships un-designed.
Payment orchestration. Own cadence, retries, and the prevention of stuck or orphaned transactions at the system level.
Reconciliation and settlement. Own ledger integrity, settlement timing, and the money-movement path across our systems.
Reliability and cost as outcomes. Own the payments scorecard (approval rate, outcomes, cost per dollar moved, money-movement uptime) and drive Engineering to hit it.
Put change-control around it so payment logic never ships un-designed.
You'll report to the Head of Product and lead through Engineering, Risk, Compliance, and Finance.
This is a senior individual-contributor role for someone who wants to build a function, not inherit one - you'll have the mandate, the executive air cover, and the data to move fast and own the outcome.
System-level fluency in rail orchestration, fallback design, reconciliation, and ledgering.
We leverage artificial intelligence to provide personalized insights and are building a financial ecosystem by offering tools and services that provide instant access to cash, and building credit.
Own the card-update, AVS, and re-instrument flows that ensure funding instruments remain healthy

8+ years in payments product, including meaningful time owning strategy and roadmap end to end.
Deep ACH and card-network expertise: return/response codes, retry and representment rules, AVS/BIN behavior, settlement timing.
A track record shipping on high-volume payment systems where you owned outcomes (rates, cost, reliability), not just features.

Your actual level and base salary will be determined on a case-by-case basis and may vary based on the following considerations: job-related knowledge and skills, education, and experience.

100% company-paid medical, dental, and vision coverage for you and your dependents on your first day of employment.
Receive up to $100 per month in fitness reimbursement or enjoy a complimentary full membership to LifeTime Fitness or Equinox.
401(k) with a 3.5% match and immediate vesting
Pre-tax benefits, including a $1,000 HSA match
Credit Genie is a mobile-first financial wellness platform designed to help individuals take control of their financial future.
Funding-instrument health.

Founded in 2019 by Ed Harycki https://www.linkedin.com/in/ed-harycki/, former Swift Capital Founder (acquired by PayPal in 2017 https://techcrunch.com/2017/08/10/paypal-acquires-swift-financial/).

This listing is sourced directly from Credit Genie's careers page and normalized into a canonical job model.