Product Owner – Integrated Payables

Zact

. Define, prioritize, and deliver Zact’s accounts payable and business payments product offered by banks to commercial customers .

Posted 11/5/2026full-timeRemote • California • United StatesMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in managing the end-to-end product lifecycle for accounts payable solutions, with a strong focus on Agile methodologies, technical fluency in APIs and integrations, and the ability to translate complex business needs into actionable user stories. Proficient in driving product vision while balancing technical and business requirements in a fast-paced environment.

Highest-signal resume keywords

Product OwnershipAgile/Scrum ExperienceAPI and Integration KnowledgeAccounts Payable ProcessesVendor Enrollment and Card Acceptance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

User Story WritingAcceptance Criteria DevelopmentInvoice Capture and OCR/AI ExtractionPayment ExecutionSQL Proficiency

Soft Skills

Strong Communication SkillsAttention to DetailProblem-Solving AbilityCollaboration with Cross-Functional Teams

Tools & Technologies

JiraAzure DevOps

Industry Keywords

B2B SaaSFintech ProductsPayment RailsFraud PreventionCompliance Requirements

Tech Stack

Tools & technologies

AzureERPRuby on RailsSQL

About the role

Key responsibilities & impact

Define, prioritize, and deliver Zact’s accounts payable and business payments product offered by banks to commercial customers
Own the end-to-end Integrated Payables experience and product backlog
Build understanding of AP workflows, the bank distribution model, and the competitive landscape
Own product vision while balancing bank commitments, revenue opportunities, technical debt, and long-term direction
Translate business needs into user stories with acceptance criteria, workflows, and edge cases
Improve invoice capture and OCR/AI extraction, PIF imports, GL coding, PO matching, approval workflows, and payment authorization
Drive payment execution across virtual cards, ACH, and checks, emphasizing card adoption
Own vendor enrollment, vendor portal, remittance advice, and supplier card acceptance capabilities
Build controls including role-based permissions, multi-factor authentication, fraud prevention, and audit trails
Identify AI and automation opportunities across the payables lifecycle
Attend all Integrated Payables sprint calls and serve as the engineering team’s day-to-day product partner
Own feature delivery end to end, including release planning, progress tracking, dependency management, and blocker removal
Partner with engineering on technical design, APIs, data flows, and integrations
Coordinate delivery across processors, card issuing and payment rails, accounting and ERP integrations, and QA
Manage delivery risks, issues, scope changes, and timeline changes; communicate status to leadership, Bank Delivery, and sales
Accept completed work against acceptance criteria, lead user acceptance testing, and ensure release quality
Own release readiness, release notes, product documentation, and enablement content
Partner with Bank Delivery on bank requirements, implementation timelines, and go-live commitments
Participate in bank implementation discussions as the product expert
Triage bank-reported issues and enhancement requests and incorporate them into the prioritized backlog
Engage banks, business customers, sales, and implementation teams to gather feedback, validate solutions, and support demos and opportunities
Establish product and delivery metrics and use them to guide prioritization

Requirements

What you’ll need

5+ years of experience as a Product Owner, Product Manager, or Business Analyst, ideally on B2B SaaS or fintech products
Ability to write clear user stories, acceptance criteria, and functional requirements for complex workflows
Hands-on experience working in Agile/Scrum teams and leading backlog refinement, sprint planning, and sprint reviews
Comfort operating in a fast-paced, entrepreneurial environment where priorities evolve and initiative matters
Experience owning delivery end to end as a Technical Product Manager, TPM, or Product Owner without dedicated project management support
Technical fluency with APIs, data models, integrations, and system design
Experience planning releases, managing dependencies across teams and external partners, and keeping delivery on track
Proficiency with Agile delivery tools such as Jira or Azure DevOps
Strong understanding of accounts payable processes, including invoice capture, coding, approvals, PO matching, and payment runs
Working knowledge of B2B payment rails, including virtual cards, ACH, wires, and checks
Knowledge of vendor enrollment and card acceptance programs
Familiarity with OCR/AI invoice extraction, payment instruction files, and accounting or ERP integrations
Understanding of cash- and accrual-based accounting and how AP data flows to the general ledger
Ability to break complex business problems into clear, buildable increments and make sound prioritization trade-offs
Comfort working with data to measure product performance and inform decisions; SQL or reporting tool experience is a plus
Strong attention to detail, particularly around edge cases, exceptions, and controls in financial workflows
Ability to work closely with engineering, QA, design, Bank Delivery, sales, and partner teams
Strong written and verbal communication skills
Ability to explain technical concepts to business audiences and business needs to technical teams
Ability to engage directly with banks, business customers, and partners to gather requirements and validate solutions
BS/BA degree or equivalent professional experience
Preferred: past experience at Bill.com, AvidXchange, or MineralTree
Preferred: experience with AP automation or payables platforms such as Tipalti
Preferred: experience in commercial banking, treasury management, commercial cards, or card processing
Preferred: familiarity with fraud prevention, payment security, and compliance requirements in financial services

Benefits

Comp & perks

No benefits, perks, or compensation extras are specified in the posting