Job Description
Job Description
Job Description
Product Manager – Banking Products
Customer-Centric │ Strategy-Driven │ Results-Oriented Location On-Site │ Charlotte, NC (Company HQ) Experience Required 5+ Years in Banking / Financial Services Product Management People Manager Yes (Cross-Functional Teams) Reports To TBD Classification Full-Time, Exempt
About the Role
We are seeking a highly motivated and experienced Product Manager to own and drive all aspects of our banking product portfolio. This is a high-impact, highly visible role at the intersection of strategy, technology, and customer experience. You will work with the Executive team to set the vision, define the roadmap, and guide cross-functional teams to deliver banking solutions that delight customers, outpace competitors, and generate sustainable business growth.
This is not a passive role. You will be expected to think like an owner, move with urgency, and balance long-term strategic vision with near-term execution. You thrive in a fast-paced environment, know how to navigate complexity, and bring clarity to ambiguity. If you are energized by solving real financial problems for real people — and have the track record to prove it — this role was made for you.
What You’ll Own
Competitive Intelligence & Market Positioning - Continuously monitor the competitive landscape, including traditional banks, credit unions, neobanks, PFM(s) and fintech disruptors.
- Conduct in-depth competitive analyses and translate findings into actionable product strategy and differentiation opportunities.
- Develop and maintain compelling positioning frameworks that clearly articulate our value proposition to customers, partners, and stakeholders.
- Identify market gaps and emerging trends to influence product investment decisions.
Product Strategy & Roadmap - Own the end-to-end banking product roadmap — from ideation through launch and iteration.
- Assist with defining and prioritizing features and enhancements based on customer needs, business goals, regulatory requirements, and technical feasibility.
- Collaborate with cross-functional teams to drive timely, high-quality product delivery.
- Develop & execute strategy for utilizing rewards and perks to entice sales, strengthen loyalty and promote the use of our card programs.
- Establish clear OKRs and KPIs for each product area and hold teams accountable to outcomes.
Pricing & Revenue Strategy - Design and manage competitive, customer-friendly pricing models for banking products including deposit accounts, checking accounts, cards, payment services and other products as may be needed.
- Develop and maintain pricing models of all products.
- Model revenue impact of pricing changes and new product structures.
- Evaluate fee structures, interest rates, and incentives (perks) to optimize customer acquisition, loyalty and profitability.
- Understand and optimize strategic product design impacts on unit P&L.
User Experience & Customer Journey - Champion the voice of the customer at every stage of the product lifecycle.
- Partner with UX/Design to create intuitive, accessible, and engaging digital banking experiences across web and mobile.
- Drive usability testing, customer research, and journey mapping to surface friction points and prioritize improvements.
- Ensure our banking products meet or exceed the expectations of today’s digitally savvy consumers.
Partner & Vendor Identification - Identify and evaluate relationships with key fintech partners, core processors, payment networks, and technology vendors.
- Assist with vendor selection processes including RFP/RFI, due diligence, contract negotiation, and ongoing performance management.
- Assist with building a strategic partner ecosystem that accelerates product capabilities and reduces time-to-market.
- Stay current on emerging technology providers and partnership models relevant to digital banking.
Regulatory & Compliance Awareness - Partner with Legal, Risk, and Compliance teams to ensure all banking products adhere to applicable regulations (CFPB, FDIC, BSA/AML, TILA, etc.).
- Proactively anticipate regulatory changes and incorporate compliance requirements into the product roadmap.
- Consider Info Security, Compliance and Risk Management as a baseline of all product decisions.
What We’re Looking For
Required - 5+ years of product management experience in banking, financial services, or fintech, with demonstrated ownership of banking-specific products.
- Deep understanding of banking products including, but not limited to, deposit accounts, lending, payments, debit/credit cards, and digital banking platforms.
- Proven ability to develop and execute product strategy and roadmaps in a regulated industry.
- Experience conducting competitive analysis and translating insights into clear product decisions and positioning.
- Strong understanding of pricing models, revenue mechanics, and the financial drivers of banking products.
- Ability to partner with and influence cross-functional teams including engineering, design, compliance, risk, operations and marketing.
- Demonstrated vendor and partner management experience.
- Excellent written and verbal communication skills; ability to present to executive leadership and external partners.
- Self-starter mentality — comfortable operating in ambiguity, setting direction, and driving results without being told what to do.
- Exceptional organizational skills with the ability to juggle multiple competing priorities without dropping the ball.
Preferred - Experience at a digital bank, neobank, or innovative fintech company.
- Familiarity with core banking platforms (e.g., Galileo, FIS, Fiserv, Jack Henry) and modern fintechs (Plaid, Stripe, Sardine, Atomic, etc.).
- Background in consumer-facing digital product management with measurable impact on engagement or conversion.
- Knowledge of regulatory frameworks governing retail banking (CFPB guidelines, OFAC, Reg E, Reg Z, BSA/AML, SOC2).
- MBA or advanced degree in Finance, Business, Computer Science, or related field.
Domain Expertise We Value
Domain Relevant Skills & Tools Product Strategy Roadmap Planning, OKRs, Competitive Benchmarking, Market Sizing
Banking Products Checking/Savings Accounts, Loans, Cards, Payments, Digital Wallets, Crypto Currencies, Rewards Program
Job Tags
Full time, Contract work