About the Team:

Gusto's Business Money team is building the financial operating system for small businesses. SMB Banking is the foundation of that platform: business checking accounts that sit at the center of how owners run payroll, pay bills, manage cash, control employee spend, and, eventually, access capital. Because Gusto runs payroll, we can offer banking that understands a business's largest recurring outflow from day one, while we can also meet businesses at the moment of formation, before they ever reach the payroll stage.

This is a ground-floor role. The product is early, moving toward its first beta, and this PM will help take it from initial launch through scale.

Here's what you'll do day-to-day:

• Own and deliver core workstreams spanning small business banking - application and identity verification, account linking, funding, payments, cards, ongoing servicing, and exposing these products/capabilities on surfaces a customer wishes to engage.
• Own growth and adoption end to end from acquisition through funded, active account, and then run continuous experimentation across the funnel.
• Take responsibility for the business outcomes of your workstream as a true owner.
• Be the fintech infrastructure and payments expert that reliably untangles complexity and ships durable systems.
• Use Gusto's unique payroll ecosystem to build banking features unique to our positon in the ecosystem
• Define how banking connects to the rest of the Gusto platform, making the account the default funding source for how a business operates.
• Design for self-serve by anticipating where customers get stuck and resolving it in-product rather than in the support queue.
• Ensure tight, daily coordination with cross-functional teams spanning Product, Engineering, Design, Data, Risk, Compliance, Legal, and Ops to ship resilient, compliant, and delightful products.
• Partner with external vendors (e.g., partner banks, banking infrastructure providers, card processors) to deliver reliable, integrated experiences.
• Deeply understand our customers, particularly how cash flow uncertainty and team spending dynamics impact small business owners, and use that empathy to craft effective product narratives.
• Measure what matters - define and own KPIs around account opening, funding, deposit growth, and primacy, and use data to drive prioritization, learning, and iteration

Here's what we're looking for:

• Has a bias toward action, comfort with ambiguity, and a strong sense of ownership.
• Has 7+ years of product management experience in fintech, banking, or adjacent industries.
• Brings hands-on familiarity with business banking, BaaS platforms, deposit products, or money movement rails - bonus for experience with KYB/onboarding flows, ledgering, or partner bank relationships.
• Thrives in 01 environments and knows how to take a product from pre-beta to launch with limited resources.
• Has run a real experimentation practice - hypothesis, test design, readout, decision - and knows how to learn from directional signal when a new product doesn't yet have the volume for statistical significance.
• Understands the regulatory and operational complexity of banking products and can partner effectively with Risk, Legal, and Compliance teams.
• Cares deeply about small businesses and wants to build the account they trust with their money.

Our cash compensation amount for this role is $152,000/yr to $190,000/yr in Denver, and $184,000/yr to $230,000/yr for San Francisco & New York. Final offer amounts are determined by multiple factors including candidate location, experience and expertise and may vary from the amounts listed above.

Gusto has physical office spaces in Denver, San Francisco, and New York City. Employees who are based in those locations will be expected to work from the office on designated days approximately 2-3 days per week (or more depending on role). The same office expectations apply to all Symmetry roles, Gusto's subsidiary, whose physical office is in Scottsdale.

Note: The San Francisco office expectations encompass both the San Francisco and San Jose metro areas.

When approved to work from a location other than a Gusto office, a secure, reliable, and consistent internet connection is required. This includes non-office days for hybrid employees.