Senior Product Manager, F&I and Payments

About DriveCentric DriveCentric is the world's first Augmented Intelligence CRM, purpose-built for automotive retail. We help thousands of dealerships across North America engage more customers, schedule more appointments, and run their businesses with AI woven into every workflow. We are not a CRM bolting AI on top. We are an AI-first platform that has rebuilt the dealership operating system from the ground up. We are at the inflection point. Our customers are betting their next decade on AI. So are we. Why this role F&I is one of the most regulated, highest-stakes, and most domain-heavy parts of dealership operations. It is also where AI agents create disproportionate leverage — deal-jacket assembly, menu presentation, lender placement, compliance verification, and the long back-and-forth between F&I directors and the customer waiting in the box. We have the platform, the customers, and a dedicated AI Labs team building agentic capabilities. We've also just launched our partnership with DealerPay, putting payments inside the experience our product delivers. What we need is the product owner who can see F&I and the connected Payments surface as one product story and ship it. You will own the F&I vertical and the DealerPay/Payments product integration as a connected scope. Workflow, lender placement, menu, compliance, AI assist, and the payment surfaces threaded across the dealership experience. You'll partner closely with our corporate development team, who owns the commercial DealerPay relationship — you own the product side. One owner accountable for the F&I and Payments product story. This is not a maintenance role. This is the role that defines how dealership F&I and Payments operate for the next decade. What you'll own The F&I product vertical. Deal-jacket workflow, menu-selling and product presentation, lender integration and placement, compliance-aware automation, and the AI assistant for F&I directors and managers. One roadmap, one outcome, one owner. The DealerPay and Payments product integration. The integration roadmap, the payment surfaces threaded into Sales, Service, and F&I, and adoption inside dealerships. You partner with our corporate development team, which owns the commercial DealerPay relationship — you are the product side of that partnership. You contribute product-side input to DriveCentric's strategic decision on how deep we go in Payments; the call sits with the executive team and is led by corp dev. The F&I vertical strategy. Where we play, what we build, what we partner for, and what we deliberately do not do. You set the multi-quarter direction in partnership with the VP of Product and CPBO. Outcomes that matter. PVR/PPC, F&I product penetration, menu-selling completion, deal-jacket cycle time, lender approval turnaround, compliance exception rate, and payment-surface adoption inside dealerships. You define the metric stack, instrument it, and report against it. The customer relationship for F&I. You are the product face of DriveCentric to F&I directors, business managers, GMs, and GSMs. You will spend real time in the F&I box. You will run an F&I director council. You will be the most trusted voice in the company on what dealership F&I actually looks like. How we work AI-native by default. You will partner with our AI Labs team to build and ship agentic capabilities into the F&I experience. You own the workflow and the agent as one product. Engineering builds the platform. AI Labs builds the agents. You define what we are building and why. Customer-zero culture. PMs at DriveCentric spend time at dealerships. Real time, in real F&I offices, with real F&I directors and business managers. If sitting through a deal jacket end-to-end at a dealership sounds like a chore, this is not the role for you. Lean and dense. Small team, high talent density, AI augmentation everywhere. We do not hire to fill org charts. We hire to multiply the leverage of the people already here. Direct exposure. You report to the VP of Product and have weekly skip-level access to the CPBO. You will work directly with the VP of Engineering and the AI Labs lead. No political layers. What you'll bring 5+ years of product management. With at least 2 years building B2B SaaS products for automotive F&I, lender platforms, deal-flow / desk software, or directly comparable regulated dealership-finance tooling. Demonstrated AI shipping history. You have shipped LLM-, agent-, or AI-powered features in production. You can walk us through the architecture, the evals, the observability story, the failures, and what you would do differently. We will ask. AI-native PM workflows. Claude, ChatGPT, Cursor, or equivalent are not occasional tools for you. They are how you do PM work every day. You have strong, defensible opinions about how AI changes discovery, spec writing, prototyping, and customer research. You can articulate the difference between AI as a feature and AI as an operating model. F&I fluency. Working command of TILA, Reg Z, Reg B, GLBA, Red Flags, and the state-level patchwork. You understand lender placement, menu selling, F&I product mix (VSC, GAP, T&W, theft, appearance), PVR/PPC math, deal-jacket flow, and funding mechanics. You have opinions on what a good F&I director's day looks like. Lender integration and DMS literacy. Hands-on experience integrating with at least one major lender platform (RouteOne, Dealertrack F&I, or captive equivalent) and at least one major DMS (CDK, Reynolds, Tekion, Dealertrack, or PBS). You understand why these layers are hard and what it takes to build on top of them without breaking the dealer. Partner integration product chops. You have shipped product alongside a strategic technology or platform partner — running a joint product roadmap, holding the partner's product team accountable to commitments without burning the relationship, and making contract-aware product calls. You will partner closely with our corporate development team, who owns the commercial DealerPay relationship; you own the product side. Cross-functional shipping. Track record of shipping with engineering, design, data, and GTM partners. You know how to write a spec that engineers respect, ship a launch that PMM can sell, and instrument a feature so support can debug it. Operator energy. You move fast, write clearly, push back when you disagree, and take ownership without being asked. You treat your manager as a peer, not a parent. Bonus points You spent time as an F&I director, business manager, or finance director before product. You have direct dealership operator experience or close family in the business. You have shipped payments or embedded finance products with hands-on exposure to PCI, NACHA, money transmission licensing, PayFac vs. payfac-as-a-service tradeoffs, or chargeback/fraud workflows. You have built or operated agent platforms (LangGraph, custom orchestration, eval frameworks). You have shipped multi-product platform PM work in regulated vertical SaaS. You have worked with captive lenders, OEM finance programs, or warranty and F&I product providers. Interview process We respect your time. The full loop is six conversations across roughly two to three weeks. You will meet the VP of Product, the CPBO, the VP of Engineering, and an F&I and Payments domain panel, and you will walk us through a real AI feature you have shipped. You will also have a structured case on redesigning a deal-jacket flow and its connected payment touchpoints. We give every candidate written feedback, regardless of outcome. Benefits Paid Time Off Nine (9) Paid Holidays 401(k) plus employer match Health Insurance Flexible Spending Account Health Savings Account Dental Insurance Vision Insurance Short/Long-Term Disability Insurance Employer-paid Life Insurance Additional Voluntary Life Insurance Accident Insurance Critical Care Insurance Hospital Indemnity Insurance Employee Assistance Program Equal Opportunity Statement: DriveCentric is an Equal Opportunity Employer. We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or other protected characteristics. All qualified applicants are encouraged to apply.