P&L Railroad Jobs (NOW HIRING)

Job type: Full Time · Department: Office of CEO · Work type: On-Site · USD 150,000-250,000 / year

New York, New York, United States

Global payments are not broken. Incentives are. Clearing has been deprioritised inside balance sheet driven institutions whose models rely on lending and interest. When liquidity takes priority over settlement, payments slow and certainty drops. The same financial institutions that distort clearing as providers are disadvantaged as users. They are forced into fragmented setups, inconsistent rails, duplicated compliance, and unpredictable timelines. Stablecoin shortcuts and treasury pooling treat symptoms at the surface, but almost no one is rebuilding the underlying infrastructure in each market.

We are rebuilding clearing as its own specialist function. We act as a clearing and transaction banking partner for regulated institutions, with treasury built into the core so liquidity, settlement, and reconciliation sit in one controlled system.

Our platform unifies global and local licenses, direct central bank clearing, and domestic rails. We allow clients to open named customer accounts in every market we operate, collecting funds and paying out through a single network while retaining full ownership of their customer relationships. Market expansion becomes as simple as one correspondent relationship, not hundreds.

Joining Lorum means contributing to one of the most ambitious clearing infrastructure projects in global finance. You will help shape settlement systems that perform under real regulatory standards and institutional volumes. You will build for regulated institutions that rely on precision, predictable timelines, and regulatory integrity. It is about working across currencies, markets, and supervisory frameworks to deliver reliable, final settlement.

As a Product Lead for Cash Management, you aren't just managing a backlog—you are owning a business line. You will be responsible for the strategic vision, commercial P&L, and operational integrity of our cash management suite. You will bridge the gap between complex US banking regulations, treasury operations, and scalable technology. You don't wait for permission from engineering; you define the "What" and the "Why," ensuring our infrastructure is a competitive moat, not just a utility.

Cash Management is not just a feature set; it is an integral product line for financial institutions leveraging Lorum's infrastructure. By unifying liquidity with our custody and clearing products, our Cash Management suite empowers clients to manage their global balances actively—allowing our customers to efficiently buy FX at wholesale spot rates, hedge currency risk directly with FX derivatives, and actively earn interest on their managed funds through exposure to traditional and tokenized fixed‑income assets. You’ll be building a treasury trading and management platform from the ground up.

• P&L & Strategy: Define and execute the commercial roadmap for Cash Management products. You own the unit economics, pricing strategy, and market positioning.
• Regulatory & Compliance Architect: Navigate the US regulatory landscape as a core part of the product design, ensuring compliance is a feature, not a bottleneck.
• Operational Excellence: Partner with Ops and Treasury to automate high‑stakes workflows. You are responsible for ensuring the product scales without a linear increase in headcount.
• High‑Agency Leadership: Drive the "Product Market Fit" internally. You challenge engineering on technical debt vs. speed to market and hold stakeholders accountable for delivery.
• Ecosystem Integration: Lead the strategy for deep integrations with clearing banks, ERPs, and liquidity providers to create a seamless liquidity experience.
• Data‑Obsessed Iteration: Move beyond "user feedback" to hard telemetry—monitor liquidity flows, settlement speeds, and failure rates to ruthlessly optimize the product.
• Delivery Management & Engineering Partnership
• While your primary focus is the "What" and "Why," successful execution hinges on a high‑octane partnership with Engineering.
• Outcome Accountability: Own the delivery timeline end‑to‑end. Work with the Engineering Lead to maintain a ruthless focus on the Minimum Viable Product (MVP) that achieves the business objective, rejecting scope creep that delays market impact.
• Infrastructure Advocacy: Be the commercial advocate for necessary infrastructure investment. You must translate regulatory and commercial risk into technical priorities, ensuring technical debt is managed strategically, not ignored.
• Decisive Prioritization: Act as the ultimate tie‑breaker for conflicting priorities. Your decisions must consistently align team effort with the highest P&L impact.

Must‑Haves

• Experience in High‑Growth Fintech: You’ve built or scaled a complex financial product (Liquidity, Treasury, Payments, or Core Banking) in a fast‑paced environment.
• Founder Mentality: You have a "get it done" attitude. You are comfortable making high‑stakes decisions with 70% of the information.
• Deep Domain Expertise: You understand treasury and the assets that FIs use to manage their liquidity.
• Technical Assertiveness: You don’t need to code, but you must be able to challenge an architect on system design to ensure it meets the commercial and regulatory needs.
• Exceptional Communication: The ability to distill complex treasury concepts into a clear vision for stakeholders and a concrete execution plan for the team.

Nice‑to‑Haves

• Treasury Professional Background: Experience with treasury hedging and interest bearing assets in a broker/dealer.
• Scaling Experience: Experience taking a product from 0 to 100 at high growth (our other products have grown at 55x a year).
• Network: Existing relationships with FX and fixed income liquidity partners.
• Crypto and Digital Asset Literacy: Understanding of stablecoins, CBDCs, and tokenized deposits, and their potential application in optimizing commercial liquidity management.

• New York: $150,000 – $250,000 + Equity (ESOP)
• Autonomy: We don't micromanage. You own your domain.
• Wellness: 3 Wellness Days per quarter + 2 "Pay It Forward" volunteer days.
• Flexibility: Results‑oriented work environment with a flexible vacation policy.
• Other locations: Compensation will be discussed during the interview process

*Final compensation will be determined based on the candidate's qualifications, skills, and previous experience

By submitting this application, I agree that my personal data will be collected, processed, and retained by the company solely for the purposes of managing and assessing my candidacy.