Product Manager

Location: [New York, NY · Team: Product · Type: Full-time · Compensation: $100k-$150k base + equity About OatFi oatfi.com At OatFi, we're building the modern credit layer for B2B payment platforms. Through our API-first infrastructure, platforms can power settlement, working capital, and reconciliation - deepening buyer and supplier relationships, monetizing B2B transactions, and scaling more efficiently. OatFi is a fast-growing company, offering the right candidate the opportunity to join at a pivotal stage. From day one, you'll have the chance to shape the future of fintech and make a meaningful, visible impact. As the tidal wave of B2B payments continues to move online, we're excited to build the infrastructure powering the next generation of B2B commerce. The Role Credit risk management is at the heart of everything OatFi delivers to its customers. This role will own this core product area from problem definition through launch and iteration. Not just feature enhancements or supporting an ancillary product - real ownership of one of the key pillars of company success. You'll work across engineering, risk, and partner implementations. Your job is to turn ambiguous needs into clear specs, ship reliable infrastructure, and improve the experience for internal teams, partners, and the businesses they serve. You'll work closely with your engineering lead, and each of you owns a clear part of the work. You own the problem and the solution: why we're building something, what it does, how it behaves, and what partners and users experience. Your tech lead owns the technical implementation: architecture, system design, and engineering trade-offs. Making that partnership work well is central to success in this role. We're hiring a Product Manager to own a core product area, taking it from problem definition through launch and iteration. You'll work across engineering, risk, and partner implementations. Your job is to turn ambiguous needs into clear specs, ship reliable infrastructure, and improve the experience for internal teams, partners, and the businesses they serve. You'll work closely with your engineering lead, and each of you owns a clear part of the work. You own the problem and the solution: why we're building something, what it does, how it behaves, and what partners and users experience. Your tech lead owns the technical implementation: architecture, system design, and engineering trade-offs. Making that partnership work well is central to success in this role. What You'll Do Own the roadmap for a product area (e.g., onboarding and/or or credit and underwriting). Balance partner needs, technical constraints, and business goals. Own the problem and the solution. Define who it's for, what success looks like, and how the product should work: user flows, API behavior, edge cases, and business rules. Then bring in your tech lead early to shape the technical approach. Write clear, dev-ready PRDs. AI tools like Claude Code help with research, drafting, and validating specs, but the product thinking and judgment are yours. Run the backlog end to end: grooming, prioritizing, and keeping execution on track. Pull data yourself and rely on it when it's available. Do user and market research when planning. Talk to partners and internal users to understand their workflows, find pain points, and validate solutions. Say no when it's the right call. Sometimes the answer is "not like this": you solve the partner's or internal user's problem in a different, more complete way than they asked for. Sometimes it's "not now." Either way, every no comes with a logical, pragmatic explanation. Decide what to build now vs. later. Weigh the cost of delay for each feature, such as lost revenue, partner risk, or growing operational load, and sequence work accordingly. Balance the long game with the day-to-day. Keep roadmap and strategic work moving while handling bugs, partner questions, and operational issues as they come up. Scope, sequence, and ship with engineering, making pragmatic trade-offs along the way. Own product communication: release notes, API documentation, and launch updates for internal and partner audiences. What We're Looking For 3-5+ years of product management experience, ideally in fintech, payments, credit, or B2B/API-first products. A track record of shipping technical products in close partnership with engineering. Clear, concise communication. You can turn a fuzzy problem into a crisp spec, explain a complex system simply, and tailor the message for engineers, executives, or partners. Comfort with technical concepts like APIs, webhooks, data flows, and integrations. You can read API docs and follow a technical design discussion. You're comfortable pulling and interpreting data yourself and rely on it when it's available. When it isn't, you can still make a sound call by doing market and user research, or by taking a calculated risk based on your best judgment. Good judgment about when to act on your own and when to bring in stakeholders for alignment or approval. A clear sense of the PM/engineering boundary. You own the product solution end to end, and you trust your tech lead with the technical architecture. You also stay open to engineering input that improves the solution. Nice to Have Experience with embedded finance, credit risk and underwriting, or payments operations (ACH, wires, reconciliation). Familiarity with developer-facing documentation and API design best practices. Experience working in regulated environments or with compliance partners. Experience working in a startup environment What Success Looks Like First 30 days: Learn the platform, your product area, and the partners who depend on it. Build relationships with engineering, risk, and partner implementations. First 90 days: Own your area's backlog and roadmap. Ship at least one meaningful improvement. First 6 months: Be the go-to owner for your area. You set direction, make trade-off calls, and are trusted by engineering and partners. Why OatFi Real ownership over infrastructure that moves money and gives businesses access to capital. Direct impact on a small, high-caliber team, where your decisions are visible and matter. An AI-native way of working. Our tooling lets PMs research, spec, and ship faster than most teams allow. A fast-growing company. The business is scaling quickly, and the scope of this role grows with it. A huge market. Embedded B2B credit and payments is a massive opportunity, and we're building the infrastructure to capture it. A chance to get in early. Join while the team is small enough that you'll help shape the product, the process, and the culture. Benefits: Medical, Dental, vision, 401(k) OatFi is attacking the greatest unsolved problem in B2B payments, a $120 trillion market. Behind every B2B invoice is a standoff between trading partners: suppliers want to get paid now, buyers want time to pay, and the gap gets bridged by cash trapped on someone's balance sheet. OatFi solves this standoff by embedding liquidity directly into the payment platforms businesses already use to transact. We're building the working capital infrastructure for B2B payments, helping our platform partners move trillions of dollars of B2B payments online