个人银行业务产品主管
Head of Product - Personal Banking
1967年，John Shepherd-Barron在银行关门后几分钟到达，无法取出自己的钱。那天晚上他在浴缸中想到一台巧克力棒自动售货机，把巧克力换成了现金。6月27日，在Enfield High Street的Barclays分行外，一位名叫Reg Varney的演员从世界上第一台自动取款机中取出了10英镑。它需要一个四位数的密码（最初是6，直到他妻子告诉他没人记得6）。银行的营业时间不再成为客户的问题。
近六十年后，柜台已经移动了，但测试标准没有变：个人金融产品要根据使用它的个人生活来判断是否合适。人们不会阅读说明书，也不会原谅混乱的界面，更不在意账本是如何工作的。他们想要一个能理清一切的地方——支出、储蓄、计划、投资，并且能预判而不是报告：他们目前的状况、值得关注的内容以及下一步该做什么。Mercury正在按照这一标准构建个人银行业务。
个人银行业务是Mercury在某人财务生活中占据一席之地的方式。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，领导产品经理团队，推动增长和用户参与度，并对业务表现负责。
*Mercury是一家金融科技公司，不是FDIC保险的银行。银行业务通过Choice Financial Group和Column N.A.提供，均为FDIC成员。
主要职责：
- 构建一种个人银行业务体验，好到让人愿意向朋友和同事推荐
- 全面负责指标、产品战略以及我们向客户提供的产品方案，涵盖个人财务管理、银行业务、储蓄、投资、资金转移，以及未来可能的贷款
- 设定高标准：关注细节——文案、延迟、空状态等——这些决定了消费者产品是显得不可或缺还是勉强够用
- 在产品中推动AI的应用，使体验有实质性的提升
- 建立并扩展团队：招聘和领导一支高绩效的产品经理团队，培养强大的开发纪律，培养未来的领导者，并建立节奏和文化以推动速度和质量
- 推动业务增长：负责获取用户、激活用户、留存用户以及那些能产生复利效应的循环，包括个人银行业务如何与Mercury已服务的业务连接
- 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，并以此作为衡量标准
- 协调生态系统：整合产品、工程、设计、数据、风险等团队
查看英文原文
In 1967, John Shepherd-Barron reached his bank minutes after closing and could not get at his own money. In the bath that evening, he thought of a chocolate bar dispenser and swapped the chocolate for cash. On 27 June, outside a Barclays branch on Enfield High Street, an actor named Reg Varney drew £10 from the world's first cash machine. It took a four-digit code (six, until his wife told him nobody remembers six). The bank's hours had stopped being the customer's problem.
Nearly sixty years later, the bar has moved, but the test hasn't: a personal financial product is judged on whether it fits the life of the person using it. People do not read documentation, forgive a confusing screen, or care how the ledger works. They want one place that makes sense of everything — spending, saving, planning, investing — and that anticipates rather than reports: where they stand, what deserves attention, what to do next. Mercury is building personal banking* to that standard.
Personal Banking is how Mercury earns a place in someone's financial life. We're looking for a Head of Product to own it end-to-end: setting product strategy, leading a team of product managers, driving growth and engagement, 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:
- Build a personal banking experience so good that people tell their friends and colleagues about it
- Own the metrics, product strategy and the propositions we take to our customers, covering personal money management, banking, savings, investments, money movement, and in the future, lending
- Set the craft bar: sweat the details — copy, latency, empty states — that decide whether a consumer product feels inevitable rather than adequate
- Drive the use of AI in products where it makes the experience meaningfully better
- Build and scale the org: recruit and lead a high-performing PM team, instill strong build discipline, develop future leaders, and set a cadence and culture that drives pace and quality
- Grow the business: own acquisition, activation, retention, and the loops that compound, including how personal banking connects to the businesses Mercury already serves
- Make reliability and trust product features: own uptime, correctness, latency, and support outcomes, and be measured on them
- Align the ecosystem: bring product, engineering, design, data, risk, compliance, legal, marketing, support, and partners behind one cohesive strategy
Some things that might make you successful in a role like this:
- A consumer product leader with taste: you have built products millions of people chose to use, and can point to the decisions that made them work
- You have shipped AI-led products to real consumers and have opinions about what AI makes possible and where it fails
- An exceptionally high bar for craft, and a customer-centered, data-driven, and experimentation-oriented approach
- 10+ years building consumer products, including time owning a product's growth and economics, not only its roadmap
- 5+ years leading product managers: hiring, coaching, org design, and performance management
- Experience launching and scaling 0-1 products, alongside operating a large product with real customers on it
- Exceptional cross-functional leadership across engineering, design, data, risk, compliance, and partners
- Nice to have: banking, payments, or fintech experience. We can teach you the rails; we cannot teach product judgment
- Sound judgment in a regulated environment: you 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