高级产品经理 - A2A 与资金流动

As Senior Product Manager on the A2A & Money Movement team, you own the roadmap and execution for a defined set of A2A payment capabilities at NMI. You'll work closely with Engineering, Design, Compliance, and go-to-market teams to ship products that make bank-direct payments simpler, faster, and more reliable for our partners and their merchants. This role requires someone who can run a customer discovery session, write a tight spec, and dig into transaction data—without waiting to be asked.
About NMI

NMI, a global leader in payment technologies, allows software and sales professionals to deliver payment innovations to their clients without having to build payment expertise in house. NMI enables our partners with choice, and challenges the one-size-fits-all approach to payments. You've probably used NMI in the last 24 hours without even realizing it. We're the platform that powers success for innovative tech created by SMBs, entrepreneurs and fintech startups. We're creative problem solvers who help visionaries smash through boundaries and think beyond what's possible so they can think about what's next. But we're not just built for the tech savvy. We democratize the latest payments technology so that everyone can realize the benefits of easy payments across the full spectrum of commerce. Our mission is to use our expertise to enable more payments, in more ways and more places. We provide ISOs, Fintech Innovators and Technologists the freedom to focus on what they do best, liberating them from restricted payment solutions and giving them access to the latest payment technology now and in the future.
How We Work - Our Core Values
* Be a Good Person, It's Simple. We treat everyone fairly and with respect. We lead with kindness, humility and integrity. We take the time to understand each other and our customers. And we serve with care, because customers are never a transaction, and always our focus
* Align, Trust & Go. We debate openly, listen carefully and challenge thoughtfully. Once we decide, we move forward together - holding ourselves accountable to our commitments, and focusing on what matters most to our customers. That alignment creates momentum.
* Raise the Bar. Good enough isn't enough. We stay curious, measure everything, stay honest about progress and keep pushing ourselves to think creatively. We drive change, again and again. And leave things better than we found them. When we raise the bar, our customers feel it too.
About the Team
The A2A Money Movement team is building one of NMI's highest-growth product areas. As real-time payment rails mature—FedNow, RTP, ACH, open banking, push-to-card—our partners are demanding bank-direct payment options that reduce interchange costs, accelerate settlement, and unlock entirely new merchant use cases: disbursements, earned wage access, insurance payouts, B2B collections, marketplaces, escrow holding, and more.
This team was established through NMI's acquisition of Dwolla, a leading ACH and real-time payments platform. You will inherit a strong foundation, live product, existing rails and relationships, and a seasoned team to build upon and scale within NMI's broader partner ecosystem.
This team owns NMI's strategy and execution across all money movement modalities: ACH (standard and same-day), real-time payments (RTP/FedNow), push-to-card, open banking / pay-by-bank, bank account verification, and cross-border transfers. This is not a maintenance role—it is a build role. You will be setting strategy in a space that is moving fast, with real revenue implications and growing partner demand.
You will:

• Own the roadmap for your product domain within A2A—maintaining a well-prioritized backlog, a clear rationale for every decision, and a delivery plan that the team can execute against

• Define and prioritize features based on partner needs, transaction data, competitive signals, and business impact

• Maintain continuity of existing Dwolla customer commitments while contributing to NMI integration milestones — balancing BAU stability with forward progress

• Write clear, detailed product requirements and acceptance criteria; run scoping sessions with Engineering that result in shared understanding and no surprises

• Lead product discovery: customer interviews, partner feedback sessions, competitive teardowns, and data analysis—then synthesize findings into a point of view

• Build a deep understanding of the full A2A payment lifecycle—funds flow, return handling, exception processing, reconciliation, Reg-E obligations—and design products that hold up end-to-end

• Partner with Engineering on technical design decisions, flagging tradeoffs and pushing for solutions that are scalable, not just shippable

• Define success metrics for every initiative, track them post-launch, and share what you learned with the team

• Build awareness of A2A capabilities across internal teams, helping Sales and Partner Success understand when and how to position bank-direct payment solutions

• Collaborate with Legal, Compliance, Risk, and Payment Ops to ensure products are compliant and operationally sound before they ship

• Support go-to-market: work with product marketing, sales, and customer success to drive adoption of new capabilities

• Use AI tools actively in your workflow—discovery synthesis, spec drafting, hypothesis generation, competitive research—and bring that velocity to your team

• Represent the product in customer workshops, partner calls, and internal stakeholder reviews with authority and clarity

• Contribute to team OKRs; participate in quarterly planning and own your results

You may be a fit for this role if you have:
Minimum Requirements

• 5+ years in product management with at least 3 years in payments or financial services

• Hands-on experience with A2A payment products—ACH, RTP, FedNow, push-to-card, or open banking. You understand how the rails work, not just what they do.

• Demonstrated track record of independently owning and delivering complex payment products from discovery through launch

• Strong commercial instincts—you understand how product decisions affect revenue, partner growth, and merchant volume

• Deep experience working directly with customers and partners to define problems, validate solutions, and build feedback loops

• Experience partnering with Engineering on payment system design: funds flows, ledger logic, settlement, reconciliation, and return handling

• Experience working within or alongside an acquired product team, navigating integration priorities while maintaining existing customer commitments

• Proven use of data-driven insights to prioritize work, measure impact, and course-correct quickly

• Exceptional execution skills with a bias toward action and comfort operating in ambiguity

• Fluent with AI tools for product work—you use them to go faster and produce better output

• Excellent communicator: you write clearly, run tight meetings, and can explain technical payment concepts to non-technical stakeholders

Preferred Qualifications

• Experience with open banking platforms (Plaid, MX, Finicity, or similar)

• Knowledge of ACH operating rules, Reg-E requirements, or Nacha compliance

• Experience with disbursements, earned wage access, insurance payouts, or other money movement use cases

• SaaS or B2B embedded finance background

• Familiarity with Jira, Confluence, and agile delivery practices

Do you feel like you have a slightly out of the ordinary career path or history? We are open to all walks of life and very willing to hear your story. Please don't feel like this should be a barrier to securing a great career at NMI! We appreciate success can come in all shapes and sizes. Fill in the 'Additional Info' box on our application to tell us more about your path.
As well as being a part of something exciting everyday, you will also receive the following benefits:

• A remote first culture!

• Competitive compensation and benefits

• Personal growth and advancement opportunities

• Flex PTO & dedicated sick time

• Health, Dental and Vision Insurance

• Life, ADD, Short-term and Long-term Disability insurance

• 401k matching up to 4% after two months of service

• Flexible Spending Account

• Paid Parental Leave

• Company volunteer days

• Employee referral program

• Bonusly colleague recognition

We believe that having a diverse group of employees strengthens both our work and our workplace. We're focused on making NMI more diverse and welcoming with initiatives like having a dedicated Diversity, Equity & Inclusion action group, diversity goals for hiring, anonymized resume screening, affinity groups such as our Women's network and LGBTQ+ Network, open forums for discussions on diversity and social justice, and measuring inclusion and belonging as part of our regular employee engagement surveys.
This is a remote role with an annual US base salary range of $120,000 – $145,000 USD. This salary range will be narrowed during the interview process based on experience, qualification, and location.
Equal Opportunity
We are an Equal Opportunities employer and will provide reasonable support throughout the recruitment process to applicants who have a disability. Please let us know in advance so that any support, aids or adaptations can be put in place to assist you.
NMI is committed to providing equal employment opportunity for all persons regardless of race, color, religion, sex, age, marital status, national origin, sexual orientation or sexual identity, genetic information, citizen status (except those that do not have the legal right to be employed in the United States), disability, military service, service member, veteran status, or any other basis protected by applicable law.
Applicants must be authorized to work in the United States. As part of the selection process this role may require an assessment and professional references to determine suitability. An offer will be subject to financial and criminal background checks.

Salary range, depending on experience:

$130,000—$150,000 USD

Originally posted on Himalayas