Senior Product Manager
RemoteCalifornia, United States or Arizona, United States
Job Summary
Own money movement end to end across bank payment types, the payroll card program, and employer/worker payout surfaces. Design payments capability as reusable services with explicit API and data contracts, defining abstractions that keep the platform rail-agnostic and owning SLAs and performance benchmarks. Produce detailed requirements including PRDs, user stories, and acceptance criteria, then work embedded with engineering through discovery, refinement, and sprint planning. Carry work through production validation by reading logs, querying data, and confirming fixes. Define success metrics and guardrails before building, running real experiments with honest sample sizing and staged rollouts like canary releases. Transform recurring symptoms into scoped, sequenced work, deciding with incomplete information and documenting assumptions plainly. Build alignment across Engineering, Finance, Legal, and external partners by pre-wiring decisions and writing clear tradeoff documents. Treat edge cases and failure scenarios as first-class design work, integrating compliance and auditability from the start.
Required Qualifications
- 7+ years in product management
- 5+ years building payments or financial infrastructure product
- Under-the-hood knowledge of how money moves and becomes final across ACH, RTP, wires, and card rails
- Experience owning live bank payment integrations end to end, including return and exception handling
- Experience building payments capability as reusable services with real API and data contracts
- Experience working directly with sponsor banks, processors, or card networks, through technical integration and through commercial and compliance obligations
- Experience writing the detailed requirements themselves for payment systems that shipped: PRDs, stories, acceptance criteria, edge cases, field-level mapping
- Experience scaling a payment system through significant volume growth
- Experience bringing clarity to a genuinely ambiguous 0→1 problem and building scalable B2B product from scratch
- Experience designing, running, and reading out A/B tests, with sample sizing and significance discipline
- Experience with staged and canary rollouts, holdbacks, and guardrail metrics
- Experience building alignment across functions that didn't report to them, on decisions where the parties started out disagreeing
- Ability to read API contracts and data models, follow a data flow end to end, evaluate third-party integrations, and hold their own with engineers on architecture
- Experience being obsessed over edge cases, failure scenarios, migration paths, backward compatibility, and performance benchmarks
- Experience shipping in agile with real accountability for delivery
- Experience owning a production payment incident as the product person
- Experience using AI tools to compound their own output, with genuine curiosity about where AI fits into payment systems
- Right to work in the United States without the need for employment-based visa sponsorship now or in the future
Desired Qualifications
- Earned Wage Access, payroll, or on-demand pay background
- Card issuing or payroll card program depth — BIN management, cardholder lifecycle, network compliance, processor operations
- Treasury, ledger, reconciliation, or cash management product experience
- Experience directing distributed or contracted engineering capacity
- SQL or scripting self-sufficiency; pulled and analyzed their own data
- Hands-on with experimentation and analytics tooling — feature flagging, product analytics, and instrumentation they specified themselves
- Familiarity with Reg E, CFPB guidance, NACHA operating rules, PCI, state money transmission, or open banking frameworks
- Built at a 50–500 person company where the financial platform was still being assembled
- Bachelor's in Computer Science, Engineering, Business, or a related field
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