Head of Product - Banking (Full Time)

Cosmos Labs

$150K — $200K *
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • 5+ years in product, strategy, or technology roles within banking or fintech
  • Hands-on experience with core banking systems like Fiserv or Temenos
  • Understanding of deposit mechanics and U.S. banking regulations
  • Familiarity with payment processing systems (ACH, Fedwire, etc.)
  • Ability to communicate technical concepts to both architects and engineers
  • Comfortable navigating uncertainty within a pre-product-market fit environment
  • Experience in DLT tokenization and its relevance to banking

Responsibilities

  • Define and develop product requirements and specifications
  • Collaborate with engineering and design teams to launch products
  • Craft the product roadmap with leadership
  • Engage with bank clients to validate and improve the product
  • Ensure product feasibility by aligning with banking requirements
  • Conduct ongoing discussions with banks to understand their needs
  • Transform banking processes into actionable engineering instructions

Benefits

  • Competitive base salary with equity/token options
  • In-person collaboration at NYC location
  • Direct access to executive leadership in the company
  • Extensive professional development opportunities
  • Comprehensive health coverage and paid leave
Full Job Description
Role Overview

You will own the product strategy and execution for a tokenization product that enables financial institutions to interact seamlessly with tokenized assets, without requiring changes to their existing core banking systems. You will have massive ownership and responsibility - you will be able to design the product roadmap and lead it to commercial success.

Specifically, in this role, you will:
  • Define and evolve product requirements (PRDs), including detailed API specifications, reconciliation flows, and integration patterns
  • Partner with engineering and design to take the product from prototype to production
  • Work closely with our Head of Engineering and Co-CEO to craft our canonical product roadmap
  • Work with bank customers to validate and refine the product in real-world environments
  • Lead product ideation and translate concepts into tangible improvements across demos and production systems
  • Navigate internal and external stakeholders to drive adoption and successful implementation
Key Responsibilities

Tokenization Product Ownership
  1. Own the tokenization product direction end-to-end.
  2. Make the hard product design calls: write-back vs. omnibus model, batch vs. webhook sync, how to handle the two-phase finality gap between core posting and on-chain confirmation. On-prem versus cloud-native deployments.
  3. Keep the product honest. For example, if something doesn't survive contact with a real bank's implementation requirements, kill it and replace it with something that does.
  4. Report to key stakeholders and work closely with all departments to ship and build momentum around the product.
  5. Be the voice of the customer in the room, and use your experience to design a product that will be impressive but believable
  6. Bring the "banking perspective," based on your years of experience integrating software at banks, or for banks

Customer Discovery
  1. Run at least 2 hours per week of direct conversations with target banks, channel/distribution partners and payment fintechs.
  2. Use these conversations to validate or kill product assumptions. Your job is to close the gap between what we think banks need and what they'll actually sign for.
  3. Do not wait for banking adoption to improve the product - banks are slow to adopt, yet expect finished products. You are responsible for the second goal.

Bank-to-Blockchain Translation
  1. Turn bank-side realities into engineering design inputs. Examples: How does a Hogan batch file land? What does a Reg CC hold look like when you need to mirror it on-chain? Why will the compliance team reject a direct write-back API?
  2. Work side-by-side with the engineering team to scope PoCs, define adapter interfaces, and make sure the on-chain token logic maps correctly to real deposit operations - holds, memo posting, suspense, float.

Design Partner Acquisition
  1. Co-own the path to key milestones with the Chief Commercial Officer.
  2. Work backwards from the criteria a customer requires to commit: regulatory confidence, core system compatibility, robust reconciliation guarantees, and a credible consortium narrative. Define and scope a PoC that directly addresses and validates each of these requirements..

Competitive Awareness
  1. Master the competitive landscape: Cari Network, Canton/JPMD, Kaleido, DXC CoreIgnite/Ripple, Fnality, Partior.
Qualifications Required:
  1. 5+ years in product, strategy, or technology roles at a commercial bank, core banking vendor, or bank-focused fintech.
  2. Hands-on experience with core banking systems: Fiserv, FIS, Jack Henry, Temenos, or similar.
  3. You know how deposits post, how GL reconciliation runs, how holds work.Working knowledge of US deposit regulation: FDIC insurance, OCC guidance, BSA/AML, Reg CC.
  4. Familiar with payment rails - ACH, Fedwire, RTP, FedNow, SWIFT - and how interbank settlement works in practice.
  5. Can hold a room with a bank's technology architect and pivot to a technical conversation with an engineer building Cosmos SDK modules.
  6. Comfortable operating in ambiguity. This is a pre-product-market fit environment with evolving regulatory guidance, requiring sound judgment and decision-making with incomplete information.
  7. Have some experience in DLT tokenization: have shipped a product in a tokenization-related environment... we expect you to be opinionated about why tokenization makes sense for banks
  8. Willingness to work in-office in NYC (Union Square) for 3 days a week

Bonus (not required):
  1. Familiarity with ISO 20022 messaging, correspondent banking (nostro/vostro), or treasury management.
  2. Track record working with mid-size ($50B-$300B) or larger US banks, or navigating enterprise PoCs in financial infrastructure.
  3. Knowledge of Canton Network, R3 Corda, Partior, Regulated Liability Network, or Project Agora.
What We Offer
  1. Competitive base + equity/token allocation. Open to structuring comp for someone leaving a senior bank role.
  2. In-person team in New York. The working group operates together daily.
  3. Direct access to Co-CEO, CCO, Head of Engineering, CCO, and Legal.

Core team member responsibilities
  1. Work to solve hard technical problems at the cutting edge of blockchain research, alongside a world-class team.
  2. Be empowered to make bold technical and strategic decisions, including in product development, software engineering, marketing, sales, and operations.
  3. Play a critical role in building our culture, our engineering practices, the products we ship, and our customer relationships.
How we work
  1. We value ambition and work ethic. This means initiative, self development, and adaptability are non-negotiable, even for the most experienced candidates.
  2. We value thoughtful and contentious dialogue over siloed and unilateral decision-making.
  3. We value acknowledging uncertainty and seeking support over unabated confidence and solo performances.
  4. We're obsessive about documenting everything, learning, and shipping as fast as possible with short feedback cycles.

Benefits

We offer competitive, equitable compensation and benefits tailored to your location - including token compensation, paid leave, and health coverage. Our goal is to make sure every team member, wherever they are, has what they need to do their best work.

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