Sr. Product Manager, Payout - Miami

Payabli is a next-generation Payments Infrastructure and Monetization Platform purpose-built for vertical software companies. Through a single, developer-friendly API with low-code embedded payment components, Payabli enables platforms to seamlessly embed, monetize, and operation ...

Job description

Payabli is a next-generation Payments Infrastructure and Monetization Platform purpose-built for vertical software companies. Through a single, developer-friendly API with low-code embedded payment components, Payabli enables platforms to seamlessly embed, monetize, and operationalize payments—making payments a core part of their platform and business model.

By unifying payment acceptance, payment issuance, and advanced payment operations tooling, Payabli empowers software companies to manage and move money through a single infrastructure stack that delivers total control over the payments experience. Built to scale with PCI DSS 4.0 and SOC 2-compliant security, Payabli's infrastructure delivers enterprise-grade reliability and trust while leveraging AI-driven intelligence to enhance visibility, streamline operations, and drive revenue growth.

Backed by leading fintech investors including QED Investors, Fika Ventures, TTV Capital, and Bling Capital, Payabli is setting the standard for embedded payments infrastructure powering the next generation of vertical SaaS.

The Role

We're seeking a Sr. Product Manager to own and scale our disbursement capabilities. You'll be the driving force behind our payout infrastructure—from virtual card issuance and ACH to wire transfers and checks—while pioneering AI-powered vendor enrichment and building the vendor network that will define the future of B2B payments.

This isn't a role for someone who wants to manage from the sidelines. You'll run to the fire, own the outcomes, and build products that thousands of entrepreneurs depend on daily.

What You'll Own

Virtual Card Issuance & Program Management

Lead the strategy and execution of our virtual card program, including single-use and multi-use card issuance, spend controls, and program compliance. You'll work with card networks, BIN sponsors, and processors to build a best-in-class card issuance platform.

Payment Rails (ACH, Wires, Checks)

Own the full lifecycle of traditional payout methods. Drive improvements in speed, reliability, and cost efficiency across ACH (same-day and standard), domestic and international wire transfers, and check disbursement. You understand NACHA rules, Fed deadlines, and the nuances that make payouts actually work.

Payables Enablement

Build the tools and workflows that transform our platform partners into payables powerhouses. From invoice ingestion to approval workflows to payment execution, you'll create seamless experiences that reduce friction and accelerate cash flow for businesses.

AI Vendor Enrichment

Pioneer the use of AI to automatically enrich vendor data—validating payment credentials, categorizing vendors, detecting anomalies, and reducing the manual overhead that slows down B2B payments. You'll be at the forefront of applying machine learning to financial operations.

Vendor Network Creation

Architect and scale a vendor network that creates network effects across our platform. When one platform onboards a vendor, every platform benefits. You'll define the strategy for vendor acquisition, data sharing, and creating the connective tissue of B2B payments.

What We're Looking For

Experience & Expertise

• 5+ years in product management with deep experience in payments, fintech, or financial services

• Hands-on experience with virtual card issuance programs and card network relationships (Visa, Mastercard)

• Expert-level understanding of ACH (NACHA rules, same-day ACH, returns/NOCs), wire transfers, and check processing

• Expert-level understanding of building vendor networks, enablement options (phone, email, portal); straight through processing familiarity is a plus

• Experience with BIN sponsorship, issuing processors, and program management compliance

• Track record of launching and scaling disbursement or payables products

• Familiarity with vendor management systems, AP automation, or B2B payment workflows

Technical Fluency

• Ability to partner deeply with engineering on API design, data models, and system architecture

• Understanding of fraud prevention, KYB/KYC requirements, and compliance in money movement

• Interest or experience in AI/ML applications for data enrichment and automation

Who Thrives Here: Living Our Values

At Payabli, values aren't aspirational—they're operational. Here's what living our five core values looks like in this role:

Team Love = Customer Love — You understand that when you build great products for your internal partners, they deliver exceptional experiences to merchants. You obsess over the platform partners and businesses that depend on every payout landing on time.

Run to the Fire — When ACH returns spike or a card program hits a snag, you're the first one in the war room. You don't shy away from hard problems—you chase them. You volunteer for the complex, messy challenges others avoid.

Little Things Count — You sweat the details because you know a single decimal error in a payout can damage a business. You double-check edge cases, validate every assumption, and understand that excellence lives in the details.

Truth Seekers — You give direct feedback, receive it with grace, and never let ego get in the way of finding the right answer. You document what you don't know, admit mistakes quickly, and hold yourself accountable in the open.

Relentlessly Curious — You're constantly asking "what if?" and "why not?" You study how competitors solve problems, explore adjacent industries for inspiration, and never stop learning about the payments ecosystem.

What We Offer

• Competitive salary and equity in a high-growth Series B company

• Remote-first culture with flexibility to work from anywhere

• Comprehensive health, dental, and vision coverage

• Professional development budget and dedicated learning time

• The opportunity to shape critical infrastructure at the perfect inflection point

• A team that genuinely lives its values—not just talks about them

Ready to Build Something Extraordinary?

We're in a critical growth phase where every team member's contribution directly impacts whether we capture this moment. The entrepreneurial economy needs us to succeed—and we need people who are ready to make that happen.

If you're energized by the prospect of building payment infrastructure that thousands of businesses depend on, we want to hear from you.

What we can offer you

• Competitive salary

• Stock options with the potential to unlock more equity as we grow

• Flexible PTO and paid parental leave

• Medical, dental, & vision insurance

• 401K, HSA, pre-tax savings programs

• Option to be fully remote or hybrid

Payabli is an equal opportunity employer and values a diverse, inclusive workplace.

Principals only. No external agency submissions. Candidates must apply directly; We will not accept submissions from third-party recruiters or staffing agencies.