Product Lead, Payments

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🕒 March 21

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Astra Finance

WebsiteLinkedInAll Job Openings

11 - 50 employees

💳 Fintech

💸 Finance

☁️ SaaS

Fintech • Finance • SaaS

Astra Finance is an all-in-one payments platform that provides an API for processing instant payments between bank accounts and cards. It is designed for product teams aiming to embed secure and fast payment solutions while minimizing the risk of fraud and failures. With features like instant disbursements, payout options, and accelerated ACH transfers, Astra Finance offers a full-stack payment processing solution, making it an ideal choice for fintech companies looking to streamline their payments infrastructure.

📋 Description

• End-to-end product ownership of Astra's payments rails – Visa Direct, Mastercard Move, RTP, FedNow, ACH, and stablecoin – from API contract through settlement and reconciliation. • The transaction lifecycle: authorization, clearing, settlement, dispute/chargeback handling, and exception management. • Developer-facing payments primitives: API design, payload schemas, error surfaces, and webhook contracts that serve sophisticated fintech builders. • Multi-rail routing logic: how Astra selects, fallbacks, and optimizes across rails based on speed, cost, and risk parameters. • Payments compliance surface: Reg E implications, network rule adherence (VCR framework, dispute windows), and AML/sanctions workflow integration. • Rail-specific product strategy and roadmap: identifying capability gaps, emerging network features (e.g., RTP request for payment), and net-new monetization opportunities. • Close partnership with payment operations and engineering on incident response, degraded-rail scenarios, and SLA commitments. • Write rigorous PRDs and technical specs for complex payment flows, with explicit handling of edge cases, failure modes, and regulatory constraints. • Own the product roadmap for your surface area – prioritizing ruthlessly across rail expansions, developer experience improvements, and compliance requirements. • Conduct deep discovery with customers and prospects to surface unmet needs in how they move money. • Partner with engineering to define API contracts, review implementation, and maintain a high bar on developer ergonomics. • Collaborate with compliance and legal on network rule changes, NACHA updates, and card network bulletins – translating regulatory inputs into product requirements. • Work with payment operations to define reconciliation requirements, exception-handling workflows, and ops tooling needs. • Represent the payments product in customer conversations, sales cycles, and external thought leadership.

🎯 Requirements

• 6+ years of product management experience, with at least 3 years building payments products at infrastructure, fintech, or card network depth. • Hands-on experience with at least two of: ACH, RTP/FedNow, Visa Direct/Mastercard Move, card issuing or acquiring, or stablecoin rails. • Deep familiarity with the transaction lifecycle – authorization, clearing, settlement, disputes – and the operational mechanics underneath each step. • Experience navigating Reg E, NACHA operating rules, or Visa/Mastercard network rules as inputs into product requirements. • Strong API product instincts – you've shipped developer-facing payment APIs and have opinions about what makes them great. • Comfort operating with ambiguity at the IC level – you don't need a manager to set your agenda. • Exceptional written communication; you can reduce a complex payment flow to a clear, precise spec. • Demonstrated ability to influence across engineering, compliance, and operations without direct authority.

🏖️ Benefits

• Competitive compensation with equity in a growing fintech company. • 100% company paid health insurance for employees. • 401(k) with company matching. • Flexible working arrangements. • Professional growth opportunities in compliance and risk management. • Mission-driven — build infrastructure that powers financial innovation while meeting the highest regulatory standards.