Principal Product Manager, Fintech

Job Title: Principal Product Manager, Fintech
Team: Product
Location: Onsite - Sawtelle (Between Santa Monica & West LA) or San Francisco, CA
Employment Type: Full-time, Salary, Exempt
Reports To: SVP of Product & Technology

The Opportunity
Every transaction on Plug (a consumer trade-in payout, a dealer's winning bid, a lien payoff to a lender, a title transfer) has money attached, and today that money moves through a patchwork of manual processes, bank wires, and one-off integrations. As Plug scales toward its next stage of growth, we need someone to turn that patchwork into real infrastructure: instant, reliable, and built to handle increasingly complex flows of funds across consumers, dealers, lenders, and banking partners.

We're hiring a Principal Product Manager, Fintech to own money movement, payments, and lending-adjacent products end to end, including every internal and external stakeholder relationship that touches the flow of funds. This is a director-level role by design: we need someone who can run the fintech stack independently, make sound calls under ambiguity, and manage bank, servicer, and partner relationships directly, without requiring hands-on involvement from company leadership on day-to-day fintech decisions.

What You'll Do

• Own the product strategy and roadmap for money movement across the platform: consumer payouts, dealer payments, auction settlement, lien payoffs, and title-related fund flows.
• Design and ship the systems that move money instantly and reliably at scale, replacing manual and semi-manual processes with real infrastructure.
• Manage and grow relationships with external partners, including banks, payment processors, lien and title servicers, and lending partners, negotiating terms, integrations, and SLAs directly.
• Run the full flow of funds independently: from origination and disbursement through settlement, reconciliation, and payoff, with a clear view into where funds sit and why at every stage.
• Partner closely with Engineering, Risk, Finance, and Operations to ensure every dollar movement is compliant, auditable, and fast.
• Identify and scope opportunities to bring lending or financing-adjacent products into the platform (e.g., dealer floor plan, consumer bridge financing, payment plans) as the business grows.
• Build the operating rhythm, metrics, and monitoring needed to catch and resolve payment or settlement issues before they become customer-facing problems.
• Design the partnership ecosystem, negotiate with banking and payments partners, and help define which partnerships to pursue as the company scales.

What You'll Bring

• 7+ years in product management.
• Meaningful time spent owning payments end-to-end at a marketplace or large payments platform company.
• A track record of managing external stakeholders directly, including banks, servicers, processors, or lending partners, with experience negotiating terms and owning the relationship, not just the integration.
• Direct experience with the mechanics of fund flows: settlement, disbursement, reconciliation, payoff processing, and the compliance and risk considerations that come with each.
• Demonstrated ability to operate independently at a senior level. This role is scoped for someone who can be the final decision-maker on fintech product questions, not someone who escalates most decisions upward.
• Comfort operating in an ambiguous, fast-moving environment where you're often the first and only product owner for a given domain.
• Strong technical fluency. You can go deep with engineers on system design, data models, and API tradeoffs for payment infrastructure.
• International or cross-border payments experience is a plus, but not required.
• Prior title, marketplace, auction, or lending experience in automotive or a comparable regulated industry is a plus.
• A bias toward building lean, fast infrastructure over off-the-shelf processes. You'd rather ship the real solution than duct-tape a workaround.

Not sure you should apply? Do it.
Research consistently shows that people from under-represented groups are more likely to talk themselves out of applying if they don't meet 100% of the listed requirements. You don't need to check every box. If this role excites you and you bring most of what's listed under "What You'll Bring," we want to hear from you.

Compensation and Benefits
Annual salary: $222,465 to $255,174

Salary ranges come from independent, third-party benchmarking against national compensation data. Where an offer falls within the range depends on relevant experience, specialized skills, training and qualifications, current business needs, and market conditions. We review ranges periodically and may adjust them as the market changes.

Benefits & Perks

• Health, Vision, and Dental insurance
• 401(k) plan
• Equity
• Unlimited PTO
• Daily lunch and dinner stipend, plus a fully stocked kitchen
• Dog-friendly office and on-site EV charging
• 30-day remote work from anywhere policy
• Ongoing opportunities for growth and development

This full-time role is in-person, ideally based in Sawtelle (between Santa Monica and West Los Angeles), and we will also consider San Francisco-area candidates. We will not provide relocation assistance to successful candidates. We do not offer sponsorship at this time.