产品主管 - 企业银行
Head of Product - Business Banking
1851年，一位名叫George D. Lyman的纽约会计每天下午都会观察到同样的荒谬仪式：搬运工将成袋的硬币和成捆的支票在华尔街的银行间传递，手动结算，一笔巨额资金暴露在错误和盗窃的风险中。Lyman的解决方法是将所有交易通过一个中央办公室处理并进行净额结算。1853年10月11日，在14 Wall Street的地下室，52家银行一次性清算了2260万美元。银行间的资金流动不再是一个事件，而是无缝的基础设施。
一个半世纪后，最难的部分依然没有改变：一次转账很容易；但让资金在数百家企业的每一条铁路线上都能正常运作，却很难。银行账户是公司财务生活的中心——薪资是否到账，电汇是否到达，交易是否完成，月底是否顺利结账，这些都关系到员工是否需要牺牲周末时间。Mercury正在打造一款比市场上任何其他产品都更出色的商业银行业务产品。
商业银行业务是Mercury的核心。我们正在寻找一位产品经理负责人，全面负责该业务：制定产品战略，带领产品经理团队，推动存款和支付增长，并对业务表现负责。
*Mercury是一家金融科技公司，不是FDIC承保的银行。银行业务由Choice Financial Group和Column N.A.提供，均为FDIC成员。
主要职责：
- 全面负责损益、策略和产品方案：账户、用户体验、支付、新渠道和代理
- 在规模上构建比替代方案更优的AI和数据驱动的用户体验
- 构建并扩展组织：招聘并领导一支高绩效的PM团队，建立强大的开发规范，培养未来领导者，设定推动速度和质量的操作节奏和文化
- 深化核心账户并实现新产品从0到1的规模化：优化企业运行的工具，并投资于新渠道、功能和代理，使客户能够专注于打造自己的公司
- 将可靠性和信任作为产品特性：负责系统可用性、准确性、延迟和客服结果，并以此衡量
- 整合银行生态系统：将产品、工程、设计、数据、风险、合规、法律、营销、销售、支持和合作伙伴统一到一个连贯的战略下
以下因素可能会让你在这个职位上取得成功：
- 一位具备出色产品能力的领导者，有商业直觉来推动业务增长，并有纪律性来安全地运营
- 对工艺有高标准——带领一支富有创造力、以客户为中心、数据驱动的团队
查看英文原文
In 1851, a New York bookkeeper named George D. Lyman observed the same absurd ritual each afternoon: porters carried bags of coins and bundles of checks bank to bank down Wall Street, settling by hand, a fortune exposed to error and theft. Lyman's fix: send everything through one central office and settle the net. On October 11, 1853, in the basement of 14 Wall Street, 52 banks cleared $22.6 million in a single sitting. Money between banks had stopped being an event and became seamless infrastructure.
A century and a half later, the hard part is unchanged: moving money once is easy; making it work every time, for hundreds of thousands of businesses, across every rail, is hard. The bank account is where a company's financial life happens - payroll clears or it doesn't; a wire lands or a deal slips; the month closes clean, or someone loses a weekend to it. Mercury is building a business banking* product at a scale better than anything else in the market.
Business Banking is the heart of Mercury. We're looking for a Head of Product to own it end-to-end: setting product strategy, leading a team of product managers, driving deposit and payment growth, and owning business performance.
*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
Key responsibilities:
- Own the P&L, strategy, and product offering: accounts, user experience, payments, new rails, and agents
- Build AI - and data-driven user experiences at scale better than the alternatives
- Build and scale the org: recruit and lead a high-performing PM team, instill strong build discipline, develop future leaders, and set an operating cadence and culture that drives pace and quality
- Deepen the core account and take new products 0-1 to scale: optimize what businesses run on, and invest in new rails, capabilities, and agents so customers can focus on building their companies
- Make reliability and trust product features: own uptime, correctness, latency, and support outcomes, and be measured on them
- Align the banking ecosystem: bring product, engineering, design, data, risk, compliance, legal, marketing, sales, support, and partners behind one cohesive strategy
Some things that might make you successful in a role like this:
- A leader with great product chops, commercial instinct to grow the business, and discipline to run it safely
- A high bar for craft – leading a creative, customer-centered, data-driven and experimentation-oriented approach
- Enthusiasm for building AI- and agent-powered products that drive spectacular customer experiences
- Exceptional cross-functional leadership across engineering, design, risk, compliance, finance, and partners
- 10+ years' experience, ideally in banking, payments, platforms, or financial products
- 5+ years leading product managers: hiring, coaching, org design, and performance management
- Command of how business banking works: account opening and KYB, deposits and liquidity, payment rails (ACH, wire, check, international, FedNow, RTP)
- Experience launching and scaling 0-1 financial products, ideally in fintech or another high-growth environment, alongside operating a large product with real customers on it
- Sound judgment in a regulated, risk-sensitive environment: balance a delightful experience with the controls a banking product requires, and know which corners are never worth cutting
Mercury values diversity & belonging and is proud to be an Equal Employment Opportunity employer. All individuals seeking employment at Mercury are considered without regard to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, sexual orientation, or any other legally protected characteristic. We are committed to providing reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs. If you need assistance, or an accommodation, please let your recruiter know once you are contacted about a role.
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Total Rewards
The total rewards package at Mercury includes base salary, equity (stock options/RSUs), and benefits.
Our salary and equity ranges are highly competitive within the SaaS and fintech industry and are updated regularly using the most reliable compensation survey data for our industry. New hire offers are made based on a candidate’s experience, expertise, geographic location, and internal pay equity relative to peers.
Our target new hire base salary ranges for this role are the following:
US employees (any location):
$289,700—$362,100 USD
Canadian employees (any location):
$273,800—$342,200 CAD