Product Owner – Integrated Payables

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🔥 1 minute ago

🏄 California – Remote

🏄 California – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

✅ Product Manager

👻 Ghost score 25%

What it means: the chance that no one is really hiring for this job.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Zact

WebsiteLinkedInAll Job Openings

11 - 50 employees

💳 Fintech

💸 Finance

🤝 B2B

Fintech • Finance • B2B

Zact is a fintech company that provides an integrated payments and expense management platform designed for businesses and financial institutions. Their platform includes a suite of products for card management, expense management, and accounts payable automation. Zact's API-driven technology allows businesses to streamline financial processes by integrating directly with payment networks and accounting systems, ensuring compliance and managing expenses in real-time. The platform can be white-labeled for banks and offers solutions for various business use cases, such as fleet management and continuous compensation. Zact aims to simplify finance stacks, enforce budget policies, and optimize revenue sharing for partners.

📋 Description

• Define, prioritize, and deliver Zact’s accounts payable and business payments product offered by banks to commercial customers • Own the end-to-end Integrated Payables experience and product backlog • Build understanding of AP workflows, the bank distribution model, and the competitive landscape • Own product vision while balancing bank commitments, revenue opportunities, technical debt, and long-term direction • Translate business needs into user stories with acceptance criteria, workflows, and edge cases • Improve invoice capture and OCR/AI extraction, PIF imports, GL coding, PO matching, approval workflows, and payment authorization • Drive payment execution across virtual cards, ACH, and checks, emphasizing card adoption • Own vendor enrollment, vendor portal, remittance advice, and supplier card acceptance capabilities • Build controls including role-based permissions, multi-factor authentication, fraud prevention, and audit trails • Identify AI and automation opportunities across the payables lifecycle • Attend all Integrated Payables sprint calls and serve as the engineering team’s day-to-day product partner • Own feature delivery end to end, including release planning, progress tracking, dependency management, and blocker removal • Partner with engineering on technical design, APIs, data flows, and integrations • Coordinate delivery across processors, card issuing and payment rails, accounting and ERP integrations, and QA • Manage delivery risks, issues, scope changes, and timeline changes; communicate status to leadership, Bank Delivery, and sales • Accept completed work against acceptance criteria, lead user acceptance testing, and ensure release quality • Own release readiness, release notes, product documentation, and enablement content • Partner with Bank Delivery on bank requirements, implementation timelines, and go-live commitments • Participate in bank implementation discussions as the product expert • Triage bank-reported issues and enhancement requests and incorporate them into the prioritized backlog • Engage banks, business customers, sales, and implementation teams to gather feedback, validate solutions, and support demos and opportunities • Establish product and delivery metrics and use them to guide prioritization

🎯 Requirements

• 5+ years of experience as a Product Owner, Product Manager, or Business Analyst, ideally on B2B SaaS or fintech products • Ability to write clear user stories, acceptance criteria, and functional requirements for complex workflows • Hands-on experience working in Agile/Scrum teams and leading backlog refinement, sprint planning, and sprint reviews • Comfort operating in a fast-paced, entrepreneurial environment where priorities evolve and initiative matters • Experience owning delivery end to end as a Technical Product Manager, TPM, or Product Owner without dedicated project management support • Technical fluency with APIs, data models, integrations, and system design • Experience planning releases, managing dependencies across teams and external partners, and keeping delivery on track • Proficiency with Agile delivery tools such as Jira or Azure DevOps • Strong understanding of accounts payable processes, including invoice capture, coding, approvals, PO matching, and payment runs • Working knowledge of B2B payment rails, including virtual cards, ACH, wires, and checks • Knowledge of vendor enrollment and card acceptance programs • Familiarity with OCR/AI invoice extraction, payment instruction files, and accounting or ERP integrations • Understanding of cash- and accrual-based accounting and how AP data flows to the general ledger • Ability to break complex business problems into clear, buildable increments and make sound prioritization trade-offs • Comfort working with data to measure product performance and inform decisions; SQL or reporting tool experience is a plus • Strong attention to detail, particularly around edge cases, exceptions, and controls in financial workflows • Ability to work closely with engineering, QA, design, Bank Delivery, sales, and partner teams • Strong written and verbal communication skills • Ability to explain technical concepts to business audiences and business needs to technical teams • Ability to engage directly with banks, business customers, and partners to gather requirements and validate solutions • BS/BA degree or equivalent professional experience • Preferred: past experience at Bill.com, AvidXchange, or MineralTree • Preferred: experience with AP automation or payables platforms such as Tipalti • Preferred: experience in commercial banking, treasury management, commercial cards, or card processing • Preferred: familiarity with fraud prevention, payment security, and compliance requirements in financial services

🏖️ Benefits

• No benefits, perks, or compensation extras are specified in the posting

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