Navigation Officer Jobs in UAE
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Head Int Markets Oversight, MENAP, ASA, GCNA, Global Markets Operations
Accounting, Finance & Banking
<h2 class="h5">Job description</h2>
<div class="t-break" data-jb-field="description">
<span><b>Job Summary</b> <br></span><ul>
<li>The Global Trading Operations (GTO) brings together the Global Markets Middle Office Team, In-Country Markets Operations, Markets Reference Data, Markets Trade Control & Supervision and the CoE footprint to foster consistency in client and business face-off across products and geographies. </li>
<li>Reporting directly to the Global Head of Trading Operations and Int Markets Oversight, the successful candidate will lead the Global Trading Middle Offices for Credit (Credit Flow & Repo, Structured Credit, Loans, Issuance, GCM). The candidate will manage an organisation of c.65 employees across NYC, London, Warsaw, Dubai, Bangalore, Singapore, KL, Hong Kong.</li>
<li>The Global Markets Middle Office is a trusted partner to the business and delivers operational efficiency and superior risk management practices, providing critical trade support to Front Office whilst generating data-led actionable insights to drive informed decision-making. </li>
<li>Key services include Trade Capture, Trade Lifecycle Management, Exception Mgmt., Deal Mgmt, Project Mgmt., Risk & Control Governance, T0 Control Performance, Relationship / Stakeholder Mgmt. and Industry Representation.</li>
</ul><br><b>Key Responsibilities</b> <br><p><strong>Strategy</strong></p><br><br>
<ul>
<li>Instil effective and robust operating models within the Global Credit Middle Office</li>
<li>Incorporate strong risk & control frameworks, clear & concise policies & procedures, and optimal business-as-usual (BAU) processes to ensure alignment with the latest regulatory & industry standards.</li>
<li>Delivery of the roadmap aligned with the strategy for Middle Office, which incorporates principles from the Process & Controls Simplification programme, Re-platforming agenda and Fit for Growth (FFG) strategy.</li>
<li>Represent the Global Credit and Commodities Middle Office in key business meetings & forums.</li>
<li>Provide effective challenge across the organisation to ensure remediation actions, organisational design and technology development / implementation is best-in-class & covering all scenarios. </li>
<li>Become a trusted advisor to Credit Senior FO mgmt. to enable their strategy and vision. </li>
</ul>
<br>
<p><strong>Business</strong></p><br><br>
<ul>
<li>Management of the Global Credit Middle Office Group across US, UK, Europe, Dubai, Singapore, Hong Kong, Malaysia, and India </li>
<li>Optimise the Follow the Sun (FTS) model in Middle Office functions to ensure exceptional levels of business enablement and client service.</li>
<li>Drive global consistency and transparency by defining and maintaining a premium catalogue of services and capability matrix. </li>
<li>Awareness and understanding of the wider business, economic and market environment in which the Markets businesses operates. </li>
<li>Drive new business initiatives to aid revenue and growth priorities. Promote controlled growth through enabling efficient processes and effective controls.</li>
</ul><br> <br><p><strong>Processes</strong></p><br><br>
<ul>
<li>Ownership and stewardship of the Middle Office catalogue of services and process universe</li>
<li>Including, but not limited to, Trade Capture, Lifecycle Processing, Exception Mgmt., Query Management, Client Liaison and Service Delivery, Project Mgmt. </li>
<li>Document best practices and guidance for process execution – Integrate standardised, globally consistent approaches across Credit & Commodities</li>
<li>Provide direction to processing and control functions within Middle Office to create high performing, effective teams. </li>
<li>Optimise and automate processes to reduce exposure to manual and operational risk intensive processes.</li>
</ul>
<br>
<p><strong>People & Talent</strong></p><br><br>
<ul>
<li>Manage performance effectively through 1-2-1s and skip meetings.</li>
<li>Promote a speak up culture within the team and host regular team feedback sessions.</li>
<li>Engagement – Foster a one team culture. </li>
<li>Ensure alignment with Span of Control guidelines and de-layer the organisation.</li>
<li>Be a strong culture carrier for the organisation, model the behaviours desired in Middle Office </li>
</ul>
<br>
<p><strong>Risk Management</strong></p><br><br>
<ul>
<li>Define strategy for processes and technology needed for controlled growth.</li>
<li>Regular review of the control framework to progress towards a preventative, and automated control landscape.</li>
<li>Own, drive, and / or participate in remediation programs to mitigate risk to the business.</li>
<li>Develop and maintain documentation that will provide minimum standards and guidance for all Middle Office R&Rs</li>
<li>Ensure adherence to the Enterprise Risk and Operational Risk Frameworks</li>
</ul><br> <br><p><strong>Governance</strong></p><br><br>
<ul>
<li>Embed strong & effective governance principles across the Middle Office organisation.</li>
<li>Develop metrics to monitor business processes, and to supply indicators of risk and performance.</li>
<li>Model supervisory behaviours and embed into BAU across span of control.</li>
<li>Provide effective challenge on forums, above and beyond those owned by Global Credit Middle Office.</li>
<li>Live and breathe the #NeverSettle value.</li>
</ul>
<br>
<p><strong>Regulatory & Business Conduct</strong></p><br><br>
<ul>
<li>Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.</li>
<li>Display exemplary conduct and live by the Group’s Values and Code of Conduct. </li>
<li>Effectively and collaboratively identify, escalate, mitigate, and resolve risk, conduct and compliance matters.</li>
<li>Provide leadership within the Middle Office organisation to comply with the highest standards of regulatory and business conduct and practices as defined by internal and external requirements. </li>
<li>Takes a proactive approach to implementing Just Culture and emphasising the importance of the groups’ valued behaviours regularly through retrospective sessions with the team and Channels townhall sessions. </li>
<li>Embed the Group’s Values and Group Code of Conduct to ensure adherence with the highest standards of ethics. Comply with relevant policies, processes, and regulations, as part of the culture. </li>
</ul><br><b>Our Ideal Candidate</b> <br><p><strong>Qualifications</strong></p><br><br>
<ul>
<li>Strong understanding of IB / Markets businesses, product life cycle, and the operating environment </li>
<li>Previous experience in leading global teams across the Operations lifecycle – Global Middle Office Management, Operations Lead, Risk Mgmt.</li>
<li>Evidenced track record of high-profile project delivery (Regulatory, External / Internal Policy, Industry Standards, Technology) </li>
<li>Leadership - Strong personal brand with the gravitas and presence to create a movement. </li>
<li>External network with awareness of the latest industry developments </li>
<li>Strategic mindset & forward-thinking vision </li>
<li>Strength in problem solving, process re-engineering and project management.</li>
<li>Data-driven mindset – Able to use data to produce a “story” and present a roadmap / solution to target state. </li>
<li>Excellent verbal and written communication skills</li>
<li>Influencing skills – Able to simplify complex problems / scenarios to a wide audience and gain stakeholder buy-in </li>
</ul>
<br>
<p><strong>Role Specific Technical Competencies</strong></p><br><br>
<ul>
<li>Market Industry Knowledge</li>
<li>Process Design & Re-engineering </li>
<li>Data Analysis </li>
<li>Client Service & Experience </li>
<li>Risk & Controls</li>
<li>Presentation Skill </li>
<li>People Management Skill </li>
</ul><br><b>About Standard Chartered</b> <br><p>We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.</p><br><br>
<p>Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.</p><br><br>
<p>Together we:</p><br><br>
<ul>
<li><b>Do the right thing</b> and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do</li>
<li><b>Never settle,</b> continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well</li>
<li><b>Are better together,</b> we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term</li>
</ul><br><b>What we offer</b> <br><p><b>In line with our Fair Pay Charter,</b> we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.</p><br><br>
<ul>
<li><b>Core bank funding for retirement savings, medical and life insurance,</b> with flexible and voluntary benefits available in some locations.</li>
<li><b>Time-off</b> including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.</li>
<li><b>Flexible working</b> options based around home and office locations, with flexible working patterns.</li>
<li><b>Proactive wellbeing support</b> through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits</li>
<li><b>A continuous learning culture</b> to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.</li>
<li><b>Being part of an inclusive and values driven organisation,</b> one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.</li>
</ul><br><b>Recruitment Assessments</b> <br><p>Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.</p><br><br>
<p>Visit our careers website www.sc.com/careers</p><br><br>
</div>
<h2 class="h5">Job description</h2>
<div class="t-break" data-jb-field="description">
<span><b>Job Summary</b> <br></span><ul>
<li>The Global Trading Operations (GTO) brings together the Global Markets Middle Office Team, In-Country Markets Operations, Markets Reference Data, Markets Trade Control & Supervision and the CoE footprint to foster consistency in client and business face-off across products and geographies. </li>
<li>Reporting directly to the Global Head of Trading Operations and Int Markets Oversight, the successful candidate will lead the Global Trading Middle Offices for Credit (Credit Flow & Repo, Structured Credit, Loans, Issuance, GCM). The candidate will manage an organisation of c.65 employees across NYC, London, Warsaw, Dubai, Bangalore, Singapore, KL, Hong Kong.</li>
<li>The Global Markets Middle Office is a trusted partner to the business and delivers operational efficiency and superior risk management practices, providing critical trade support to Front Office whilst generating data-led actionable insights to drive informed decision-making. </li>
<li>Key services include Trade Capture, Trade Lifecycle Management, Exception Mgmt., Deal Mgmt, Project Mgmt., Risk & Control Governance, T0 Control Performance, Relationship / Stakeholder Mgmt. and Industry Representation.</li>
</ul><br><b>Key Responsibilities</b> <br><p><strong>Strategy</strong></p><br><br>
<ul>
<li>Instil effective and robust operating models within the Global Credit Middle Office</li>
<li>Incorporate strong risk & control frameworks, clear & concise policies & procedures, and optimal business-as-usual (BAU) processes to ensure alignment with the latest regulatory & industry standards.</li>
<li>Delivery of the roadmap aligned with the strategy for Middle Office, which incorporates principles from the Process & Controls Simplification programme, Re-platforming agenda and Fit for Growth (FFG) strategy.</li>
<li>Represent the Global Credit and Commodities Middle Office in key business meetings & forums.</li>
<li>Provide effective challenge across the organisation to ensure remediation actions, organisational design and technology development / implementation is best-in-class & covering all scenarios. </li>
<li>Become a trusted advisor to Credit Senior FO mgmt. to enable their strategy and vision. </li>
</ul>
<br>
<p><strong>Business</strong></p><br><br>
<ul>
<li>Management of the Global Credit Middle Office Group across US, UK, Europe, Dubai, Singapore, Hong Kong, Malaysia, and India </li>
<li>Optimise the Follow the Sun (FTS) model in Middle Office functions to ensure exceptional levels of business enablement and client service.</li>
<li>Drive global consistency and transparency by defining and maintaining a premium catalogue of services and capability matrix. </li>
<li>Awareness and understanding of the wider business, economic and market environment in which the Markets businesses operates. </li>
<li>Drive new business initiatives to aid revenue and growth priorities. Promote controlled growth through enabling efficient processes and effective controls.</li>
</ul><br> <br><p><strong>Processes</strong></p><br><br>
<ul>
<li>Ownership and stewardship of the Middle Office catalogue of services and process universe</li>
<li>Including, but not limited to, Trade Capture, Lifecycle Processing, Exception Mgmt., Query Management, Client Liaison and Service Delivery, Project Mgmt. </li>
<li>Document best practices and guidance for process execution – Integrate standardised, globally consistent approaches across Credit & Commodities</li>
<li>Provide direction to processing and control functions within Middle Office to create high performing, effective teams. </li>
<li>Optimise and automate processes to reduce exposure to manual and operational risk intensive processes.</li>
</ul>
<br>
<p><strong>People & Talent</strong></p><br><br>
<ul>
<li>Manage performance effectively through 1-2-1s and skip meetings.</li>
<li>Promote a speak up culture within the team and host regular team feedback sessions.</li>
<li>Engagement – Foster a one team culture. </li>
<li>Ensure alignment with Span of Control guidelines and de-layer the organisation.</li>
<li>Be a strong culture carrier for the organisation, model the behaviours desired in Middle Office </li>
</ul>
<br>
<p><strong>Risk Management</strong></p><br><br>
<ul>
<li>Define strategy for processes and technology needed for controlled growth.</li>
<li>Regular review of the control framework to progress towards a preventative, and automated control landscape.</li>
<li>Own, drive, and / or participate in remediation programs to mitigate risk to the business.</li>
<li>Develop and maintain documentation that will provide minimum standards and guidance for all Middle Office R&Rs</li>
<li>Ensure adherence to the Enterprise Risk and Operational Risk Frameworks</li>
</ul><br> <br><p><strong>Governance</strong></p><br><br>
<ul>
<li>Embed strong & effective governance principles across the Middle Office organisation.</li>
<li>Develop metrics to monitor business processes, and to supply indicators of risk and performance.</li>
<li>Model supervisory behaviours and embed into BAU across span of control.</li>
<li>Provide effective challenge on forums, above and beyond those owned by Global Credit Middle Office.</li>
<li>Live and breathe the #NeverSettle value.</li>
</ul>
<br>
<p><strong>Regulatory & Business Conduct</strong></p><br><br>
<ul>
<li>Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.</li>
<li>Display exemplary conduct and live by the Group’s Values and Code of Conduct. </li>
<li>Effectively and collaboratively identify, escalate, mitigate, and resolve risk, conduct and compliance matters.</li>
<li>Provide leadership within the Middle Office organisation to comply with the highest standards of regulatory and business conduct and practices as defined by internal and external requirements. </li>
<li>Takes a proactive approach to implementing Just Culture and emphasising the importance of the groups’ valued behaviours regularly through retrospective sessions with the team and Channels townhall sessions. </li>
<li>Embed the Group’s Values and Group Code of Conduct to ensure adherence with the highest standards of ethics. Comply with relevant policies, processes, and regulations, as part of the culture. </li>
</ul><br><b>Our Ideal Candidate</b> <br><p><strong>Qualifications</strong></p><br><br>
<ul>
<li>Strong understanding of IB / Markets businesses, product life cycle, and the operating environment </li>
<li>Previous experience in leading global teams across the Operations lifecycle – Global Middle Office Management, Operations Lead, Risk Mgmt.</li>
<li>Evidenced track record of high-profile project delivery (Regulatory, External / Internal Policy, Industry Standards, Technology) </li>
<li>Leadership - Strong personal brand with the gravitas and presence to create a movement. </li>
<li>External network with awareness of the latest industry developments </li>
<li>Strategic mindset & forward-thinking vision </li>
<li>Strength in problem solving, process re-engineering and project management.</li>
<li>Data-driven mindset – Able to use data to produce a “story” and present a roadmap / solution to target state. </li>
<li>Excellent verbal and written communication skills</li>
<li>Influencing skills – Able to simplify complex problems / scenarios to a wide audience and gain stakeholder buy-in </li>
</ul>
<br>
<p><strong>Role Specific Technical Competencies</strong></p><br><br>
<ul>
<li>Market Industry Knowledge</li>
<li>Process Design & Re-engineering </li>
<li>Data Analysis </li>
<li>Client Service & Experience </li>
<li>Risk & Controls</li>
<li>Presentation Skill </li>
<li>People Management Skill </li>
</ul><br><b>About Standard Chartered</b> <br><p>We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.</p><br><br>
<p>Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.</p><br><br>
<p>Together we:</p><br><br>
<ul>
<li><b>Do the right thing</b> and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do</li>
<li><b>Never settle,</b> continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well</li>
<li><b>Are better together,</b> we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term</li>
</ul><br><b>What we offer</b> <br><p><b>In line with our Fair Pay Charter,</b> we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.</p><br><br>
<ul>
<li><b>Core bank funding for retirement savings, medical and life insurance,</b> with flexible and voluntary benefits available in some locations.</li>
<li><b>Time-off</b> including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.</li>
<li><b>Flexible working</b> options based around home and office locations, with flexible working patterns.</li>
<li><b>Proactive wellbeing support</b> through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits</li>
<li><b>A continuous learning culture</b> to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.</li>
<li><b>Being part of an inclusive and values driven organisation,</b> one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.</li>
</ul><br><b>Recruitment Assessments</b> <br><p>Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.</p><br><br>
<p>Visit our careers website www.sc.com/careers</p><br><br>
</div>
UAE - Dubai
Location<br><br>Chicago, IL; Austin, TX; New York, NY; Royal Oak, MI; San Francisco, CA<br><br>Employment Type<br><br>Full time<br><br>Department<br><br>Innovation<br><br>Compensation<br><br>$180K – $225K<br><br>Please note the salary range listed is just one component of a competitive compensation package which may include a company stock plan depending on role eligibility. Offers will be reflective of the candidate’s location, qualifications, and experience.<br><br>Overview Application<br><br>About Spot On<br><br>We’re not just building restaurant tech, we’re giving independent restaurants the tools to compete and win. From our award-winning point-of-sale to AI-powered profit tools, everything we do helps operators boost profit, work smarter, and keep their best people. And every solution is backed by real humans who actually give a sh*t about helping restaurants succeed.<br><br>Named the #1 Restaurant POS by G2 (Summer 2026), based on ratings from real users Rated the top-rated point-of-sale (POS) for restaurants, bars, retail, and small businesses by Capterra users Awarded Great Places to Work and Built In’s Best Workplaces for multiple years running<br><br>We move fast, care hard, and fight for independent restaurant operators to do what they love, and love doing it. If you’re looking to make an impact with heart and hustle, Spot On is the place for you.<br><br>About The Role<br><br>As the Product Manager in Payments, you will own the strategy and execution for Spot On’s end-to-end payments experience—spanning card-present and card-not-present acceptance, transaction processing, routing, and the downstream flows that get merchants paid. You will define how payments are presented, authorized, captured, settled, and funded across our hospitality-focused ecosystem, ensuring reliability, security, and compliance while driving a best-in-class experience for restaurants and other hospitality merchants.<br><br>While your primary charter is the broader payments product, you will also partner with our money movement and remittance functions to make sure merchant funding is accurate, predictable, and transparent—ensuring the economics and timing of merchant processing show up cleanly in our product surfaces.<br><br>We are looking for a strong product leader—someone who can set a clear vision, rally engineering, design, operations, GTM, and external partners around it, and make confident trade-offs in a high-stakes, highly regulated domain. Your success will be measured by payment performance (authorization rates, latency, and resiliency), merchant satisfaction, funding accuracy, and the ability to unlock new payment capabilities that help merchants grow revenue and reduce operational friction.<br><br>Responsibilities:<br><br>Payments Strategy & Execution:<br><br>Own the end-to-end product roadmap for payments across card-present and card-not-present environments, with a focus on hospitality use cases like table service, counter service, bars, quick-service, and multi-location groups. Define how each payment media type is presented and accepted—chip, contactless, digital wallets, ecommerce tokens, and white label loyalty—and set the metrics that measure acceptance health. Translate complex payment flows into simple, intuitive experiences for merchants and their staff (refunds, tips, adjustments, partial authorizations, and offline/stand-in authorization). Monitor and improve key payment performance metrics—authorization rates, chargebacks, declines, disputes, latency, reconciliation accuracy—through rigorous data-driven experimentation. Partner with risk, compliance, and security to ensure adherence to network rules and PCI DSS, and with GTM to package and position payment capabilities that differentiate Spot On for hospitality. Lead discovery with external processors, acquirers, gateways, and partners to evaluate new capabilities, routing options, and cost-optimization opportunities.<br><br>Money Movement & Remittance (partnership Scope):<br><br>Partner with money movement and remittance teams to ensure merchant processing funds settle on time, with accurate fees, adjustments, and chargeback handling reflected in merchant-facing reporting. Feed payment product decisions (routing, interchange optimization, surcharging/dual pricing) back into funding and remittance workflows so merchant payouts stay predictable and explainable.<br><br>Cross-Functional Leadership:<br><br>Act as the primary product point of contact for payments across Spot On, aligning stakeholders around a clear vision, roadmap, and success metrics. Facilitate cross-functional decision-making, balancing technical constraints, regulatory considerations, and merchant needs to arrive at pragmatic, high-impact solutions. Communicate clearly and consistently with executives and senior leaders on trade-offs, risks, dependencies, and progress for payment initiatives. Mentor and influence peers and adjacent product teams on payment best practices, shared capabilities, and platform standards to avoid fragmentation and duplicate solutions. Contribute to a culture of accountability, urgency, and ownership, ensuring that cross-functional teams deliver high-quality releases on time and learn quickly from launches.<br><br>Qualifications:<br><br>5+ years of product management experience, with at least 3 years focused on payments, fintech, or closely related financial services products. Demonstrated product leadership—able to set a clear vision, influence senior stakeholders, make confident trade-offs under ambiguity, and rally engineering, design, and GTM teams around shared outcomes. Deep understanding of card-present and card-not-present payments, including authorization, capture, clearing, settlement, tokenization, risk, and chargeback flows. Working familiarity with merchant processing economics—interchange, scheme fees, and how those show up in settlement and remittance to merchants. Experience working with payment processors, acquirers, gateways, or card networks, ideally in a platform or multi-tenant merchant environment. Strong analytical skills, including comfort working with large payment datasets, building dashboards, defining KPIs, and using data to drive prioritization and experimentation. Proven success shipping complex, technical products that require deep collaboration with engineering and operations teams. Excellent written and verbal communication skills, with the ability to explain complex payment concepts to both technical and non-technical audiences. Customer-centric mindset with experience conducting discovery, user interviews, and feedback sessions with merchants or similar B2B customers. High degree of ownership, bias toward action, and ability to manage multiple initiatives in parallel in a fast-paced, high-growth environment.<br><br>Compensation:<br><br>Our base pay range starts at $180,000 -$225,000/year for this role Please note the salary range listed is just one component of a competitive compensation package which includes a company stock plan Offers will be reflective of the candidate’s location and experience.<br><br>Benefits: <br><br>At Spot On, we put people above everything else. We’re known for our innovative software and technology solutions, but we stand out because of the hard-working humans behind the tech. We can’t take care of our clients without taking care of our employees first, and that’s why we invest in you with a competitive benefits package which includes:<br><br>Medical, Dental and Vision Insurance 401k with company match RSUsPaid vacation, 10 company holidays, sick time, and volunteer time off Employee Resource Groups to build community and inclusion at work Monthly cell phone and internet stipend Tuition reimbursement for up to $2,000 per calendar year to assist with your professional development<br><br>We will never ask candidates to pay fees, purchase equipment, or share sensitive personal or financial information during the hiring process. All legitimate communication from our recruiting team will come from an official company email address (@spoton.com). If something seems suspicious, please contact us at careers@spoton.com.<br><br>Spot On is an equal employment opportunity employer. Qualified candidates are considered for employment without regard to race, religion, gender, gender identity, sexual orientation, national origin, age, military or veteran status, disability, or any other characteristic protected by applicable law.<br><br>Work authorization in the U. S. is required. Visa sponsorship is not available for this role.<br><br>Spot On is an E-Verify company.<br><br>Compensation Range: $180K - $225K<br><br>About Spot On<br><br>We’re not just building restaurant tech, we’re giving independent restaurants the tools to compete and win. From our award-winning point-of-sale to AI-powered profit tools, everything we do helps operators boost profit, work smarter, and keep their best people. And every solution is backed by real humans who actually give a sh*t about helping restaurants succeed.<br><br>Named the #1 Restaurant POS by G2 (Summer 2026), based on ratings from real users Rated the top-rated point-of-sale (POS) for restaurants, bars, retail, and small businesses by Capterra users Awarded Great Places to Work and Built In’s Best Workplaces for multiple years running<br><br>We move fast, care hard, and fight for independent restaurant operators to do what they love, and love doing it. If you’re looking to make an impact with heart and hustle, Spot On is the place for you.<br><br>Payments Strategy & Execution:<br><br>Own the end-to-end product roadmap for payments across card-present and card-not-present environments, with a focus on hospitality use cases like table service, counter service, bars, quick-service, and multi-location groups. Define how each payment media type is presented and accepted—chip, contactless, digital wallets, ecommerce tokens, and white label loyalty—and set the metrics that measure acceptance health. Translate complex payment flows into simple, intuitive experiences for merchants and their staff (refunds, tips, adjustments, partial authorizations, and offline/stand-in authorization). Monitor and improve key payment performance metrics—authorization rates, chargebacks, declines, disputes, latency, reconciliation accuracy—through rigorous data-driven experimentation. Partner with risk, compliance, and security to ensure adherence to network rules and PCI DSS, and with GTM to package and position payment capabilities that differentiate Spot On for hospitality. Lead discovery with external processors, acquirers, gateways, and partners to evaluate new capabilities, routing options, and cost-optimization opportunities.<br><br>Money Movement & Remittance (partnership Scope):<br><br>Partner with money movement and remittance teams to ensure merchant processing funds settle on time, with accurate fees, adjustments, and chargeback handling reflected in merchant-facing reporting. Feed payment product decisions (routing, interchange optimization, surcharging/dual pricing) back into funding and remittance workflows so merchant payouts stay predictable and explainable.<br><br>Cross-Functional Leadership:<br><br>Act as the primary product point of contact for payments across Spot On, aligning stakeholders around a clear vision, roadmap, and success metrics. Facilitate cross-functional decision-making, balancing technical constraints, regulatory considerations, and merchant needs to arrive at pragmatic, high-impact solutions. Communicate clearly and consistently with executives and senior leaders on trade-offs, risks, dependencies, and progress for payment initiatives. Mentor and influence peers and adjacent product teams on payment best practices, shared capabilities, and platform standards to avoid fragmentation and duplicate solutions. Contribute to a culture of accountability, urgency, and ownership, ensuring that cross-functional teams deliver high-quality releases on time and learn quickly from launches.<br><br>Qualifications:<br><br>5+ years of product management experience, with at least 3 years focused on payments, fintech, or closely related financial services products. Demonstrated product leadership—able to set a clear vision, influence senior stakeholders, make confident trade-offs under ambiguity, and rally engineering, design, and GTM teams around shared outcomes. Deep understanding of card-present and card-not-present payments, including authorization, capture, clearing, settlement, tokenization, risk, and chargeback flows. Working familiarity with merchant processing economics—interchange, scheme fees, and how those show up in settlement and remittance to merchants. Experience working with payment processors, acquirers, gateways, or card networks, ideally in a platform or multi-tenant merchant environment. Strong analytical skills, including comfort working with large payment datasets, building dashboards, defining KPIs, and using data to drive prioritization and experimentation. Proven success shipping complex, technical products that require deep collaboration with engineering and operations teams. Excellent written and verbal communication skills, with the ability to explain complex payment concepts to both technical and non-technical audiences. Customer-centric mindset with experience conducting discovery, user interviews, and feedback sessions with merchants or similar B2B customers. High degree of ownership, bias toward action, and ability to manage multiple initiatives in parallel in a fast-paced, high-growth environment.<br><br>Compensation:<br><br>Our base pay range starts at $180,000 -$225,000/year for this role Please note the salary range listed is just one component of a competitive compensation package which includes a company stock plan Offers will be reflective of the candidate’s location and experience.<br><br>At Spot On, We Put People Above Everything Else. We’re Known For Our Innovative Software And Technology Solutions, But We Stand Out Because Of The Hard-working Humans Behind The Tech. We Can’t Take Care Of Our Clients Without Taking Care Of Our Employees First, And That’s Why We Invest In You With a Competitive Benefits Package Which Includes:<br><br>Medical, Dental and Vision Insurance 401k with company match RSUsPaid vacation, 10 company holidays, sick time, and volunteer time off Employee Resource Groups to build community and inclusion at work Monthly cell phone and internet stipend Tuition reimbursement for up to $2,000 per calendar year to assist with your professional development<br><br>We will never ask candidates to pay fees, purchase equipment, or share sensitive personal or financial information during the hiring process. All legitimate communication from our recruiting team will come from an official company email address (@spoton.com). If something seems suspicious, please contact us at careers@spoton.com.<br><br>Spot On is an equal employment opportunity employer. Qualified candidates are considered for employment without regard to race, religion, gender, gender identity, sexual orientation, national origin, age, military or veteran status, disability, or any other characteristic protected by applicable law.<br><br>Work authorization in the U. S. is required. Visa sponsorship is not available for this role.<br><br>Spot On is an E-Verify company.<br><br>Compensation Range: $180K - $225K<br><br>About Spot On<br><br>We’re not just building restaurant tech, we’re giving independent restaurants the tools to compete and win. From our award-winning point-of-sale to AI-powered profit tools, everything we do helps operators boost profit, work smarter, and keep their best people. And every solution is backed by real humans who actually give a sh*t about helping restaurants succeed.<br><br>Named the #1 Restaurant POS by G2 (Summer 2026), based on ratings from real users Rated the top-rated point-of-sale (POS) for restaurants, bars, retail, and small businesses by Capterra users Awarded Great Places to Work and Built In’s Best Workplaces for multiple years running<br><br>We move fast, care hard, and fight for independent restaurant operators to do what they love, and love doing it. If you’re looking to make an impact with heart and hustle, Spot On is the place for you.<br><br>Payments Strategy & Execution:<br><br>Own the end-to-end product roadmap for payments across card-present and card-not-present environments, with a focus on hospitality use cases like table service, counter service, bars, quick-service, and multi-location groups. Define how each payment media type is presented and accepted—chip, contactless, digital wallets, ecommerce tokens, and white label loyalty—and set the metrics that measure acceptance health. Translate complex payment flows into simple, intuitive experiences for merchants and their staff (refunds, tips, adjustments, partial authorizations, and offline/stand-in authorization). Monitor and improve key payment performance metrics—authorization rates, chargebacks, declines, disputes, latency, reconciliation accuracy—through rigorous data-driven experimentation. Partner with risk, compliance, and security to ensure adherence to network rules and PCI DSS, and with GTM to package and position payment capabilities that differentiate Spot On for hospitality. Lead discovery with external processors, acquirers, gateways, and partners to evaluate new capabilities, routing options, and cost-optimization opportunities.<br><br>Money Movement & Remittance (partnership Scope):<br><br>Partner with money movement and remittance teams to ensure merchant processing funds settle on time, with accurate fees, adjustments, and chargeback handling reflected in merchant-facing reporting. Feed payment product decisions (routing, interchange optimization, surcharging/dual pricing) back into funding and remittance workflows so merchant payouts stay predictable and explainable.<br><br>Cross-Functional Leadership:<br><br>Act as the primary product point of contact for payments across Spot On, aligning stakeholders around a clear vision, roadmap, and success metrics. Facilitate cross-functional decision-making, balancing technical constraints, regulatory considerations, and merchant needs to arrive at pragmatic, high-impact solutions. Communicate clearly and consistently with executives and senior leaders on trade-offs, risks, dependencies, and progress for payment initiatives. Mentor and influence peers and adjacent product teams on payment best practices, shared capabilities, and platform standards to avoid fragmentation and duplicate solutions. Contribute to a culture of accountability, urgency, and ownership, ensuring that cross-functional teams deliver high-quality releases on time and learn quickly from launches.<br><br>Qualifications:<br><br>5+ years of product management experience, with at least 3 years focused on payments, fintech, or closely related financial services products. Demonstrated product leadership—able to set a clear vision, influence senior stakeholders, make confident trade-offs under ambiguity, and rally engineering, design, and GTM teams around shared outcomes. Deep understanding of card-present and card-not-present payments, including authorization, capture, clearing, settlement, tokenization, risk, and chargeback flows. Working familiarity with merchant processing economics—interchange, scheme fees, and how those show up in settlement and remittance to merchants. Experience working with payment processors, acquirers, gateways, or card networks, ideally in a platform or multi-tenant merchant environment. Strong analytical skills, including comfort working with large payment datasets, building dashboards, defining KPIs, and using data to drive prioritization and experimentation. Proven success shipping complex, technical products that require deep collaboration with engineering and operations teams. Excellent written and verbal communication skills, with the ability to explain complex payment concepts to both technical and non-technical audiences. Customer-centric mindset with experience conducting discovery, user interviews, and feedback sessions with merchants or similar B2B customers. High degree of ownership, bias toward action, and ability to manage multiple initiatives in parallel in a fast-paced, high-growth environment.<br><br>Compensation:<br><br>Our base pay range starts at $180,000 -$225,000/year for this role Please note the salary range listed is just one component of a competitive compensation package which includes a company stock plan Offers will be reflective of the candidate’s location and experience.<br><br>At Spot On, We Put People Above Everything Else. We’re Known For Our Innovative Software And Technology Solutions, But We Stand Out Because Of The Hard-working Humans Behind The Tech. We Can’t Take Care Of Our Clients Without Taking Care Of Our Employees First, And That’s Why We Invest In You With a Competitive Benefits Package Which Includes:<br><br>Medical, Dental and Vision Insurance 401k with company match RSUsPaid vacation, 10 company holidays, sick time, and volunteer time off Employee Resource Groups to build community and inclusion at work Monthly cell phone and internet stipend Tuition reimbursement for up to $2,000 per calendar year to assist with your professional development<br><br>We will never ask candidates to pay fees, purchase equipment, or share sensitive personal or financial information during the hiring process. All legitimate communication from our recruiting team will come from an official company email address (@spoton.com). If something seems suspicious, please contact us at careers@spoton.com.<br><br>Spot On is an equal employment opportunity employer. Qualified candidates are considered for employment without regard to race, religion, gender, gender identity, sexual orientation, national origin, age, military or veteran status, disability, or any other characteristic protected by applicable law.<br><br>Work authorization in the U. S. is required. Visa sponsorship is not available for this role.<br><br>Spot On is an E-Verify company.<br><br>Compensation Range: $180K - $225K