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

Why Plug

• You’ll own a piece of the biggest infrastructure opportunity in automotive.

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.

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

Benefits & Perks

• Health, Vision, and Dental insurance

• 401(k) plan

• Equity

• Unlimited PTO

• 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.