Product Manager

The Role

You’ll own a slice of how merchants experience capital from Pipe. Servicing flows, money movement rails that make them work in the five countries we serve - US, UK, CA, AUS and NZ, and the APIs, and integrations. This means partner-facing APIs for offer surfacing and acceptance, split payout logic with partners like Uber Eats and Housecall Pro, and bank rail integrations that move dollars in and out at scale. It’s where product design, credit logic, partner engineering, and payments infrastructure meet. And where a lot of Pipe’s economics get made.

You’ll own measurable outcomes and high stakes interactions with our partners, not just ship features. Expected metrics include partner integration adoption and growth, and positive internal rate of return on the flows you touch. You’ll work directly with engineering, design, risk, capital markets, and partner success and you’ll be expected to have a point of view, not just synthesize others’.

What you’ll do

• Own the end-to-end product lifecycle for merchant capital UX, partner-facing APIs, and the servicing and money movement flows underneath them.
• Develop and maintain a prioritized roadmap tied to specific conversion, adoption, money movement, and margin outcomes.
• Partner directly with engineering on API and rails design; webhook patterns, idempotency, reconciliation, failure handling, partner sandbox experience, and the operational realities of working with payment providers. You should have opinions here, not just relay them.
• Run user and partner research: talk to merchants, sit with partner engineering teams, watch real usage.
• Write specs tight enough that engineering can build from them and product reviews can challenge them.Define, monitor, and analyze metrics yourself; pulling your own SQL when you need to.
• Drive cross-functional alignment across Engineering, Design, Risk, Legal, Marketing, Capital Markets and Partner Success.

What we’re looking for

• 2-4 years of product management experience, ideally in fintech, embedded finance, or developer-facing platforms. Strong candidates from adjacent backgrounds (engineering, credit, partnerships) who’ve transitioned into PM are also welcome.
• You can read API docs critically and have shipped products where the API was the product, or close to it.
• Exposure to money movement is a strong plus; ACH, card rails, split payouts, reconciliation, or direct work with providers
• SQL fluency. You pull your own data; you don’t wait for a dashboard.
• Comfort using AI tools (Cursor, Claude, similar) to prototype, draft, and unblock yourself rather than waiting on others’ bandwidth.
• Curiosity about credit; underwriting, repayment mechanics, loss dynamics. You don’t need to be a risk expert, but you should want to become fluent.
• Strong written communication. We make a lot of decisions asynchronously and the quality of your writing will shape the quality of those decisions.
• Track record of shipping things that moved real metrics, not just shipped.

You’ll be successful here if:

• You’d rather own a smaller surface and move it meaningfully than coordinate a larger one and move it slowly.
• You’re comfortable making calls with imperfect data and revising fast.
• You find the intersection of credit, software, and partner ecosystems genuinely interesting, not just a job.

Compensation and benefits

The annual US base salary range for this role is $150,000 - $220,000. This salary range may be inclusive of several career levels at Pipe and will be narrowed during the interview process based on a number of factors, including the candidate’s experience, qualifications, and location.

We are a fully remote company and we believe in taking care of our employees. As a Pipe employee, you'll receive:

• The best equipment to help you do your job
• Flexible vacation and work hours - we believe in a healthy work-life balance (really!)
• Excellent health, dental, and vision insurance
• Generous parental leave for anyone growing their family, regardless of gender
• Great colleagues - we value a culture of authenticity, humility, and excellence