Senior Product Manager

Senior Product Manager, Financial Products

Department: Product & Strategy

Reports To: Director, Product Management

Location: Austin, TX (Hybrid Required)

Work Authorization Notice: Candidates must be authorized to work in the United States for the duration of employment without requiring current or future employer sponsorship of any kind, including but not limited to OPT, STEM OPT, H-1B, or any other visa classification.

Overview

At TogetherWork, we set a high bar for clarity, collaboration, and execution. While our Product & Strategy leaders own portfolio outcomes, our individual contributors are equally essential, bringing curiosity, precision, and a commitment to excellence to every initiative. We work in deep partnership with Engineering, Revenue, CX, Operations, and Support, sharing accountability for delivering stable, modern, insight-driven products that help our customers thrive.

Financial functionality carries a different standard of accuracy than the rest of our product surface. Customers rely on it to keep their books clean, trace every transaction, reconcile against their bank, and file taxes with confidence. That level of trust is the bar this role protects, and it shapes how the work gets prioritized, tested, and shipped.

What makes this product hard is who operates it. The person handling the accounting is often a volunteer, elected to a one-year term, with no formal finance background and a successor waiting behind them. They are managing real money that belongs to other people, and they answer to a governing body that expects clean, consistent reporting. That constraint is not something onboarding or documentation can solve. Correctness has to be designed in, so the right outcome is the default path rather than something the user has to know how to find.

We expect team members to bring strong analytical thinking, operational rigor, and real fluency with generative AI and modern product tooling. Hard work is the norm, not for recognition, but for the greater good of our customers and the long-term health of our company.

This role reflects those expectations: financially literate, technically credible, customer-centered, and grounded in professionalism and positive intent.

Role Summary

The Senior Product Manager, Financial Products owns the end-to-end financial experience for a platform that serves member-driven organizations and the national bodies that govern them. That scope runs from money in to money out and everything the treasurer has to reconcile in between: dues billing and collection, member ledgers and balances, payment plans and delinquency, card and ACH processing, fundraising, budgeting and forecasting, bank account connectivity, expense tracking and reimbursement, tax filing support, and reporting up to the governing organization.

This is a hands-on senior individual contributor role for someone with a genuine accounting foundation, not a product manager who has picked up finance vocabulary along the way. The person in this seat can read a budget-versus-actual report, explain why a bank reconciliation is out of balance, and understand what a tax-exempt organization is actually obligated to file and when.

The distinguishing requirement is the ability to hold both halves at once: accounting rigor and radical simplicity. Our users are not accountants and will never become accountants. This role translates real financial discipline into a product that a first-time volunteer treasurer can operate correctly in their first week.

Key Responsibilities

Financial Product Ownership

• Own the roadmap, requirements, and outcomes for the financial platform, including billing and dues, payments, member ledgers, budgeting, banking, expenses, and financial reporting.
• Write clear, decision-ready requirements that specify financial behavior explicitly: what posts, when it posts, against which account or budget line, and what happens when it is reversed.
• Make and defend build, buy, and partner decisions on financial infrastructure, with a clear view of total cost, compliance exposure, and long-term maintainability.
• Prioritize against real business impact (collection rates, retention, payment volume, support cost) rather than request volume or stakeholder volume.
• Sequence work with awareness that financial data decisions are difficult and expensive to reverse once customer money and history exist in the system.

Accounting Integrity, Tax & Compliance

• Serve as the product-side authority on financial correctness: double-entry integrity, immutability of posted transactions, audit trail completeness, and clean period boundaries.
• Own requirements for budget-versus-actual reporting, fund and restricted balance handling, and the year-end and officer-transition reporting the governing body depends on.
• Own the product requirements supporting tax filing obligations for tax-exempt organizations, in partnership with internal experts and outside counsel where appropriate.
• Partner with Engineering, Security, and Compliance on PCI DSS, customer and business verification requirements tied to banking and money movement, data retention, and applicable state-level rules governing payment fees and surcharging.
• Escalate correctness risk early and clearly. A late launch is recoverable; a corrupted ledger or a bad filing is not.

Payments, Banking & Money Movement

• Own the money movement lifecycle across card and ACH: authorization, capture, settlement, payout, refund, dispute, and chargeback, including the reconciliation path connecting each step back to a member's balance.
• Define requirements for payment plans, autopay, partial payments, late fees, dunning, failed payment recovery, and the delinquency workflows that follow.
• Own bank connectivity and treasury functionality, including account linking, transaction sync, reimbursement and vendor payment flows, and the reconciliation experience.
• Partner with processors and banking partners on integration scope, fee structure, cost recovery mechanics, and operational escalation paths.
• Improve collection rates, payment success, and time-to-collect as measurable product outcomes for our customers.

Designing for the Volunteer Treasurer

• Design financial workflows for users with no accounting background, short tenure, and no appetite for training, without sacrificing the integrity of the underlying records.
• Build for annual officer turnover as a first-class product problem: onboarding, handoff, permissions, historical continuity, and institutional memory that survives the transition.
• Reduce the cost of user error through guardrails, sensible defaults, plain-language explanations, and recoverable actions, rather than assuming the user will know what a correct entry looks like.
• Partner with Support and CX to find where users get stuck or get it wrong, and treat recurring financial mistakes as product defects rather than training gaps.
• Balance the needs of two audiences whose interests do not always align: the local organization that wants autonomy and speed, and the governing body that wants standardization, visibility, and control.

Customer Discovery & Cross-Functional Delivery

• Conduct discovery directly with treasurers, advisors, and staff at governing organizations, and translate their real workflows, including the spreadsheets they have built around our gaps, into product requirements.
• Maintain a clear view of the seasonal cycles that drive this business, and plan roadmap and release timing around the periods when customers cannot absorb disruption.
• Track competitive platforms, banking and payment alternatives, and regulatory change that affects requirements.
• Partner with Engineering and Delivery Managers through refinement, build, and release, staying close enough to implementation to catch financial-behavior drift.
• Work with Revenue on pricing, packaging, and fee model changes, and with internal Finance and Accounting as genuine stakeholders rather than reviewers at the end.
• Communicate scope, tradeoffs, and risk clearly to senior leadership, including what we are choosing not to do and why.

AI-First Ways of Working

• Use AI tools as a core part of the product workflow: requirements drafting, discovery synthesis, competitive analysis, data exploration, and documentation.
• Apply judgment to AI output, particularly on financial and tax logic where a plausible-sounding answer can be wrong in ways that are expensive to discover later.
• Build repeatable, AI-supported workflows that raise the quality and speed of product artifacts across the team, not just your own output.

Qualifications

Required Qualifications

• 6+ years of product management experience, including at least 3 years owning financial, payments, billing, or accounting functionality in a SaaS environment.
• A formal accounting foundation: an accounting degree, CPA (active or lapsed), or 3+ years in an accounting, bookkeeping, controllership, or audit role.
• Demonstrated command of core accounting concepts, including double-entry mechanics, accrual versus cash basis, bank reconciliation, chart of accounts structure, and budget-versus-actual reporting. This will be assessed directly in the interview process.
• Hands-on experience shipping payment functionality with a processor or gateway across both card and ACH, including refunds, disputes, failed payments, and recurring or installment billing.
• Experience with financial workflows built for non-expert, self-serve users, and a track record of making complex financial functionality genuinely usable.
• Experience designing or owning reconciliation, audit trail, or financial reporting functionality.
• Strong analytical skills and comfort working directly with data to investigate financial discrepancies and size opportunities. SQL or equivalent.
• Excellent written requirements, able to specify financial behavior with enough precision that Engineering does not have to guess.
• Demonstrated fluency using AI and LLM tools in day-to-day product work.
• Must be located in Austin, TX. Hybrid work required.

Preferred Qualifications

• Direct experience with nonprofit, fund, or small-entity accounting, including restricted funds, chapter or affiliate budgets, and tax-exempt filing obligations.
• Familiarity with the Form 990 family of filings or comparable tax-exempt compliance requirements.
• Experience with bank account connectivity or aggregation services, embedded banking, or treasury and disbursement products.
• Experience with card surcharging, convenience fees, interchange economics, or payment cost recovery, including the state-level rules that govern them.
• Experience serving volunteer-run or member-driven organizations such as fraternal groups, associations, clubs, faith-based organizations, or youth and community programs.
• Experience with a hierarchical customer model where a national or governing organization and its local affiliates are both customers with competing needs.
• Exposure to customer or business verification, money transmission, or anti-money laundering requirements.
• Experience managing a strongly seasonal product with concentrated demand peaks.
• Familiarity with Jira, Confluence, Pendo, and modern product delivery workflows.

Interview Integrity & Use of AI

We value authenticity, expertise, and real-time problem solving during our interview process. Candidates are expected to represent their own knowledge, experience, and thinking without the use of AI-assisted tools during interviews.

The use of any AI tools during interviews, including but not limited to real-time scripting, recording, transcription, response generation, or coaching tools, is strictly prohibited. This applies to phone, video, in-person, and technical or case-based interviews.

While we strongly value candidates who understand how to use AI tools effectively and responsibly, and this role expects real AI fluency, interviews must reflect the candidate's own abilities and perspectives. Any candidate found to be using AI-assisted tools during the interview process will be immediately disqualified from consideration.

Why This Role Matters

Our customers hand responsibility for their organization's money to a volunteer who did not ask to be an accountant and will hold the job for about a year. That person is accountable to their members, to their governing organization, and to the IRS. This role decides whether that is a burden they carry or a problem the product solves for them. Getting it right means money gets collected, books stay clean, filings go out correctly, and the next person in the role inherits something they can actually use.

The Company offers a comprehensive employee benefits program, including:

• Medical, dental, and vision insurance options
• 100% Employer paid short/long term disability
• 100% employer-paid Basic Life and AD&D insurance
• 401(k) retirement plan with a 100% company match up to 4%
• Flexible paid personal/vacation time built on mutual trust and accountability
• 10 sick days annually
• 10 company paid holidays
• 12 weeks paid parental leave

Inclusion and Diversity: TogetherWork is an Equal Employment Opportunity Employer. We are a company where diverse backgrounds, experiences and viewpoints are valued. TogetherWork does not make hiring or employment decisions on the basis of race, color, religion, gender, gender identity, sex, sexual orientation, disability, veteran status, age, ethnic or national origin, or any other basis protected by all local, state or federal laws.

Interview Process & Expectations

Our interviews are designed to be interactive and conversational. Candidates are expected to respond based on their own experience and thinking during live interviews.

To ensure a fair and consistent interview experience, the use of real-time AI tools or other external assistance to generate or guide interview responses is not permitted. Interviews are intended to reflect an individual’s judgment, problem-solving approach, and communication.