高级产品经理，银行业务
Senior Product Manager, Banking
职位描述
这是面向一家快速发展的金融科技公司的高级产品经理职位，负责核心银行体验。你将制定存款账户、资金流动、卡片以及底层程序基础设施的战略和路线图，与工程、设计、风险和合规团队紧密合作，规模化地推出可靠、安全的金融产品。
你将负责的工作包括：
- 负责核心银行产品的策略、路线图和执行，包括存款账户、资金流动、卡片和支持性的程序基础设施。
- 负责账户开设、资金注入、存款以及资金流动流程（如ACH、电汇、转账、账单支付和卡片交易）的端到端体验。
- 与工程团队合作，开发支持这些流程的总账、支付通道和卡片系统。
- 运行基于客户研究和使用数据的严谨的、基于群体的发现过程，以识别影响最大的机会。
- 编写清晰的规格文档，定义成功指标，并与工程和设计团队一起按预定节奏推出可靠且安全的功能。
- 从第一天起就将风险、欺诈、安全和监管要求嵌入产品流程中，与风险、合规和法务团队合作。
- 管理与银行合作伙伴和关键第三方供应商的产品关系和集成。
- 定义并跟踪激活、参与度、留存率、多产品采用率和可靠性等方面的产品指标。
我们寻找的人选具备以下条件：
- 7年以上逐步晋升的产品管理经验，专注于复杂、技术性或平台类产品。
- 在涉及资金流动、支付、卡片、存款或其他金融基础设施的高增长、受监管环境中，有推出面向客户的产品的可证明记录。
- 对银行和金融科技基础有深入理解。
- 有与工程和设计团队合作并产生影响的经验，能够编写清晰、可操作的产品规格文档。
- 强大的分析能力，熟悉产品和群体数据。
- 有与风险、合规和法务团队合作，在监管限制内推出产品的经验。
- 有金融科技、金融服务、银行或支付领域背景者优先。
- 需要本科学位或同等经验。
薪酬与福利
基本薪资：每年16万美元至18万美元。此职位不提供签证担保。
工作地点
混合办公，位于美国纽约市
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ABOUT THE ROLE
This is a senior product management role owning the core banking experience at a fast-growing fintech serving small and independent businesses. You will set the strategy and roadmap for deposit accounts, money movement, cards, and the underlying program infrastructure, partnering closely with Engineering, Design, Risk, and Compliance to ship reliable, secure financial products at scale.
WHAT YOU'LL DO
- Own the strategy, roadmap, and execution for core banking products including deposit accounts, money movement, cards, and supporting program infrastructure.
- Own the end-to-end experience for account opening, funding, deposits, and money-movement flows such as ACH, wires, transfers, bill pay, and card transactions.
- Partner with Engineering on ledger, payments rails, and card systems that underpin those flows.
- Run a rigorous, cohort-based discovery process grounded in customer research and usage data to surface the highest-impact opportunities.
- Write clear specs, define success metrics, and ship reliable and secure features on a predictable cadence with Engineering and Design.
- Embed risk, fraud, security, and regulatory requirements into the product process from day one, partnering with Risk, Compliance, and Legal.
- Manage product relationships and integrations with banking partners and key third-party vendors.
- Define and track product metrics across activation, engagement, retention, multi-product adoption, and reliability.
WHAT WE'RE LOOKING FOR
- 7+ years of progressive product management experience, with a focus on complex, technical, or platform products.
- A demonstrable track record of shipping customer-facing products in a high-growth, regulated environment involving money movement, payments, cards, deposits, or other financial infrastructure.
- Strong understanding of banking and fintech fundamentals.
- Proven ability to partner with and influence Engineering and Design, and to write clear, actionable product specs.
- Strong analytical skills and fluency with product and cohort data.
- Experience working with Risk, Compliance, and Legal to ship within regulatory constraints.
- Background in fintech, financial services, banking, or payments preferred.
- Bachelor's degree or equivalent experience required.
COMPENSATION & BENEFITS
Base salary: $160,000 to $180,000 USD annually. Visa sponsorship is not available for this role.
LOCATION
Hybrid, based in New York City, New York, United States.