Product Manager, Credit & Payments
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Summary
Product Manager leading the Credit & Payments pod at Constrafor, a VC-backed construction fintech SaaS in NYC. You'd own credit decisioning, money movement, servicing, and capital-partner reporting for the Early Pay lending product, with a dedicated engineering team. Requires 3-6 years in product including lending/payments experience; hybrid out of Hudson Yards.
Constrafor is rebuilding the financial infrastructure behind one of the largest industries on the planet, and we’re doing it fast. Construction moves trillions of dollars a year, yet it still runs on outdated processes, cash flow guesswork, and paperwork chaos. We’re the SaaS and fintech platform fixing that, giving General Contractors and Subcontractors the tools to manage procurement, accounting, and payments the way modern companies actually operate. For subcontractors, that starts with Cru, the first AI-native accounting system for construction, and extends to financing that runs on the data Cru keeps.
Backed by $30M+ in VC funding and scaling fast, we’re building the operating system for construction finance. If you want your work to have real, tangible impact on an industry that touches everything around you, this is that opportunity.
We’re seeking an exceptional Product Manager to lead our Credit & Payments pod, the team that turns our platform data into financial products for the 80,000+ subcontractors in our network. This pod owns how we decide whom to finance, how we fund and service them, how money moves across the platform, and how we report to the credit facilities behind it. To date, we’ve facilitated over $2B in transaction volume.
Reporting to the Chief Product Officer with a dedicated engineering team, you’ll set the roadmap and decide what ships. Your mandate is to turn Early Pay into a credit platform that underwrites continuously on our data, moves money with bank-quality controls, and becomes the origination engine for every financial product Constrafor sells. If you’ve built products for a lending or payments business and you’re comfortable being the only PM in the room with a creditor, we’d love to hear from you.
📝 What You’ll Do:
- Build credit decisioning that updates as a subcontractor’s business changes, so Sales, Credit, and Servicing share one view of each account.
- Own how money moves in and out of the platform, with bank-quality controls built into every flow.
- Keep our facilities monitored and our ledger diligence-ready for the capital partners behind them.
- Put agents to work across funding and servicing, so Early Pay volume can grow faster than the team that runs it
- Partner closely with Credit, Finance, Capital Markets, and Sales to turn their needs into a roadmap your engineering team can build.
- Shape what financial products Constrafor launches next, built on the same data and infrastructure as Early Pay.
📈 What You Bring:
- 3 to 6 years in product, with at least 2 in lending, payments, treasury, or fintech operations.
- Ownership of an underwriting, servicing, collections, or money movement workflow, including the controls around it.
- Experience working with capital markets counterparties, bank partners, or regulators on data and reporting requirements.
- Fluency with ledgers, reconciliation, and the accounting consequences of product decisions.
- A track record of automating manual operations, with the numbers to show it.
- Clear written and spoken communication, with the ability to hold your own with executives, credit leadership, and creditors.
- An AI-native way of working. You reach for agents by default to prototype, analyze data, write specs, and build internal tools, and you can show what you’ve shipped that way.
Nice to have:
- Experience building with Stripe Treasury, Plaid, or similar money movement and bank data infrastructure.
- Background in construction, B2B receivables finance, or another vertical fintech.
- Experience shipping AI document extraction or decisioning into a regulated workflow.
💼 What We Offer:
- Salary Range: $130,000-$150,000 base salary.
- Equity ownership in Constrafor.
- Hybrid schedule out of our beautiful Hudson Yards office.
- Medical, dental & vision insurance coverage offered for you and your dependents.
- Generous PTO Plan.
- Lunch provided during in office days.
- A collaborative team where your input shapes what we build.
