产品经理
Product Manager
### **关于我们：**
Monarch 是一个功能强大的一站式个人理财平台，旨在让复杂的财务变得简单。自 2021 年推出以来，我们已成为用户和专家推荐的首选个人理财应用。我们的目标是让财务不再令人焦虑，让我们的会员能够专注于真正重要的事情。
我们是一支务实的团队，由有经验的创业者领导，他们热衷于帮助会员实现财务目标。我们专注于打造人们喜爱的产品，并不断寻找能让我们做得更好的优势。AI 是我们运营的核心：团队中的每个人都将 AI 作为合作伙伴，以提升判断力、加快速度并拓展可能性。我们不追求工具的精通，而是追求对 AI 的熟练运用和好奇心。重要的是，AI 是你当前工作的一部分，而且你正在主动提高自己使用 AI 的标准。
作为一家完全远程的公司（甚至在新冠疫情之前），我们欢迎几乎所有地方的申请者。我们的团队主要在太平洋时间上午 9 点至下午 2 点进行同步协作，并采用异步工作方式，以保持跨时区的联系。
加入我们，共同完成一项使命：**一起简化金钱。**
#### **职位描述：**
我们正在招聘具有 5 年以上产品经理经验、有成功产品交付记录的高级、资深和首席产品经理。你将负责 Monarch 产品中高影响力领域的发现、优先级排序和交付。在 Monarch，产品经理需要从识别机会到产品发布和市场迭代，全程负责。
这是一个拥有大量自主权的独立贡献者角色。**你不会协调；你会构建。**
以下是我们在招聘的三个产品领域更详细的信息：
- **数据聚合：** Monarch 的价值始于可靠、准确的财务数据，而该产品经理负责实现这一目标的底层架构。你将负责银行连接、账户同步、交易标准化以及所有下游体验依赖的数据管道。当数据聚合出现问题时，用户信任也会崩溃。这个角色位于产品、数据工程和金融科技基础设施的交汇点。强大的技术理解力至关重要，不是因为你编写代码，而是因为你需要做出关于数据架构、第三方供应商权衡和可靠性投资的重要决策。熟悉金融数据或数据相关知识是加分项。
查看英文原文
### **About Us:**
Monarch is a powerful, all-in-one personal finance platform designed to help make the complexity of finances feel simple again. Since launching in 2021, we've become the top-recommended personal finance app by users and experts. Our goal? To take the stress out of finances so our members can focus on what truly matters.
We are a team of do-ers led by experienced entrepreneurs who are passionate about helping our members reach their financial goals. We're hyper focused on building a product people love, and on finding every edge that helps us do that better. AI is core to how we operate: every person on the team uses it as a partner to sharpen judgment, move faster, and expand what's possible. We're not looking for tool mastery, we're looking for fluency and curiosity. What matters is that AI is part of how you work today and that you're actively raising your own bar on how to use it well.
As a fully remote company (even before COVID!), we welcome applicants from almost anywhere. Our team collaborates synchronously mostly from 9 AM – 2 PM PT and embraces asynchronous work to stay connected across time zones.
Join us on our mission to transform lives by **simplifying money, together.**
#### **The Role:**
We're hiring Senior, Staff and Principal Product Managers with 5+ years of PM experience with a track record of shipping products they're proud of. You'll own discovery, prioritization, and delivery on a high-leverage area of Monarch's product. A PM role at Monarch requires taking end-to-end responsibility from identifying the opportunity through shipping and iterating in-market.
This is an individual contributor role with significant ownership and high autonomy. **You won't be coordinating; you'll be building.**
Below, you'll find more information about the three product areas we're currently hiring for:
- **Aggregation:** Monarch's value starts with reliable, accurate financial data, and this PM owns the layer that makes it possible. You'll work on bank connections, account sync, transaction normalization, and the pipelines every downstream experience depends on. When aggregation breaks, member trust breaks. This role sits at the intersection of product, data engineering, and fintech infrastructure. Strong technical fluency matters, not because you'll write code, but because you'll make consequential calls about data architecture, third-party provider tradeoffs, and reliability investments. Familiarity with financial data or data platform products is a meaningful advantage.
- **AI:** Most competitors are bolting AI on as a feature. Monarch is rethinking the product around it. This PM owns the AI-powered experiences where Monarch doesn't just show you your money but helps you understand it, act on it, and stay on top of it proactively. We're looking for a builder who has shipped AI-powered features to real users, uses AI daily in their own workflow, and can make sound calls about where AI adds member value versus where it creates noise or erodes trust. This role skews most toward early-stage, high-velocity environments and a demonstrable track record with AI product work.
_When applying, please indicate which area is the strongest fit. We're open to candidates who could match more than one._
#### **You'll Thrive Here If You:**
- Own a product area end to end, from identifying the opportunity to shipping, iterating, and being accountable for what happens in market
- Translate ambiguous problem spaces into clear priorities, explicit tradeoffs, and a sequenced path forward that the team can move on
- Widen the team's thinking beyond the immediate ask. You don't just solve what's in front of you; you design for what comes next
- Hold a high bar for craft. You push beyond "does it work?" to "does it feel right?" and you carry that standard through every detail
- Make decisions using quantitative data, qualitative research, and customer feedback, not to defer judgment, but to sharpen it
- Show up in a way that makes teammates seek your input not because they have to, but because they want to. You make the team feel like it's winning
- Communicate in a way that is clear, succinct, and proactive across engineering, design, GTM, and leadership
- Push how we work forward. Find and leverage new technologies, AI, and workflows that make the whole team sharper, faster, and better connected
#### **This Role Isn't The Right Fit If:**
- You're not excited to dig into the complexity of personal finance. The domain has a lot of logic, nuance, and cases and that should energize you, not slow you down
- Your primary skill is navigating internal politics or driving stakeholder consensus
- You prefer spending more of your time in strategic thinking and lean on others to execute
- You thrive in process-heavy environments and need heavy scaffolding to function
- You don't enjoy technical or systems-level complexity
#### **Nice to Haves:**
- Experience in fintech, personal finance, or other trust-sensitive consumer domains
- Background at an organization known for strong product craft and high-velocity execution
- Experience at an early-stage or scaling startup where you were a hands-on builder
#### **Typical Process:**
- Recruiter screen
- Hiring Manager conversation
- Virtual onsite (2–3 rounds)
- Take-home assignment
- Reference checks
- Offer
### **Benefits :**
- Work wherever you want! As a **fully** remote company with no central office, we want you to work wherever you are happiest and most productive. Whether that’s out of your home, a co-working space, or elsewhere.
- Competitive cash and equity compensation in a hyper growth, early stage company 🚀.
- Stipend to set-up your ideal working environment.
- Competitive Benefit Plans for employees based on your location (e.g. in the US we offer: Medical, dental and vision benefits and the ability to contribute to a 401k plan).
- Unlimited PTO.
- 3 day weekend every month! We take off the “First Friday” every month to focus on rest, recuperation, or just having fun!
### **Equal Opportunity & Non-Discrimination**
We are an equal opportunity employer and value diversity. We do not discriminate on the basis of race, religion, color, national origin, sex (including pregnancy and gender identity), sexual orientation, age, marital status, veteran status, disability status, or genetic information.
### **Applicant Notices**
_California & San Francisco:_ Pursuant to the California Fair Chance Act and the San Francisco Fair Chance Ordinance, qualified applicants with arrest and conviction records will be considered for employment. We comply with all applicable fair chance hiring laws.