Product Manager, Members

About the role We’re hiring a Product Manager to own the financial infrastructure that underpins the Thatch member experience, and to define its future for the next two to three years. You’ll own the systems that move real money on behalf of members: balances, monthly premium payments, reimbursements, and substantiations. You’ll make them accurate, reliable, and scalable, and you’ll build the self-serve capabilities that let members and internal teams spend less time managing errors and more time on things that matter. Over the longer horizon, you’ll own member product investments that will define whether we can win on member value. You’ll own the strategic groundwork for these investments: understanding what members need, what the infrastructure has to support, and how to sequence the bets that matter most. This is a rare combination of build-for-now and build-for-the-future. If you’re energized by financial infrastructure that has to work perfectly at scale, and excited about the longer arc of what a great member health and financial experience can look like, this role is for you. What you'll do Own the member financial infrastructure: member balances, monthly premium payments, reimbursements, and substantiation flows, with a relentless focus on reliability, accuracy, and scale Drive the reliability and efficiency roadmap on the member financial side: eliminate the root causes of payment and reimbursement errors, build self-serve capabilities that reduce support ticket volume, and automate the resolution flows that today require manual intervention Define and own the instrumentation for member financial flows: work with data and engineering to ensure errors are detected early, performance is measurable, and the team has the visibility to improve continuously Collaborate with ops and support to identify the member financial issues that are most costly to serve, and build product solutions that systematically eliminate them Own the longer-term member product strategy: develop and maintain a multi-year view of what Thatch needs to build to deliver a differentiated member experience (e.g. HSAs, portable health accounts, AI-powered personalization) and partner with leadership to prioritize and sequence those investments Partner with the Member Onboarding PM to ensure the handoff from enrollment to active member is seamless, and that financial accuracy downstream of enrollment is treated as a product responsibility Measure the impact of your work: each automation built and each self-serve resolution shipped has a direct and measurable effect on ops cost and member satisfaction at scale Background we're looking for 4–6 years of product management experience, with meaningful ownership of a financial infrastructure, payments, or fintech product Strong data fluency: comfortable writing SQL, defining metrics from scratch, and working with data engineers to build dashboards and error-detection instrumentation Systematic thinker who is energized by complexity: you want to understand failure modes and root causes, not just the happy path, and you build toward eliminating them Strategic range: you can zoom out from the current-quarter roadmap to hold a multi-year view of where a product needs to go, and make the case for sequencing decisions Track record of operating independently: defining your own scope, driving cross-functional alignment, and shipping without a lot of hand-holding Experience building for scale: you have seen how systems that work at low volumes break under load, and you know how to get ahead of it Experience we’d be particularly excited about Background in fintech, health fintech, or other products that handle real money flows on behalf of users, where payment accuracy has direct member or compliance consequences Experience with reimbursement flows, member balance infrastructure, HRA/HSA/FSA administration, or payment reconciliation Prior work at a company that scaled through a high-growth period: you’ve built financial