Position Summary:Reporting to the Director of Product, the Senior Product Manager - Money Movement is responsible for leading the strategy, execution, and evolution of the bank's growing portfolio of money movement products/services. This role involves significant greenfield 01 build while also owning and enhancing existing products within the portfolio. The role owns the strategy, execution, and delivery of the product portfolio from concept through launch and scale. The position works across product, engineering, design, compliance, risk, and external partners to deliver a modern digital banking experience that drives adoption, usage, and long-term performance.
Major Duties & Responsibilities:- Own the card product end-to-end - roadmap, requirements, prioritization, delivery, and post-launch optimization. You are the single-threaded owner of this workstream.
- Develop the product strategy and long-term vision for money movement, identifying opportunities for differentiation, new revenue streams, product expansion, and competitive advantage.
- Act as the primary decision-maker for the card product, exercising sound judgment in ambiguous situations and making trade-offs across customer experience, risk, compliance, technology, and commercial outcomes.
- Define and sequence the product roadmap in close collaboration with senior leadership, balancing speed-to-market with a high-quality client experience.
- Write clear, detailed product requirements that engineering, design, and partner teams can build from, including user flows, business rules, edge cases, and acceptance criteria.
- Lead sprint-level execution, including backlog management, grooming sessions, sprint planning, release coordination, and ensuring delivery stays on track.
- Work directly with external partners - card networks, processors, and platform providers - to define integration specifications, manage dependencies, and align on delivery timelines.
- Model the unit economics of the card program - interchange revenue, processing costs, fraud exposure, and program-level profitability - and use those models to inform product and pricing decisions.
- Define the KPIs that matter (activation, active usage, transaction volume, cost-to-serve, fraud rate) and build reporting and feedback loops that drive continuous improvement.
- Design strategies to drive card adoption, activation, and habitual usage, working with marketing and CRM teams to build campaigns, incentives, and lifecycle communications that create sticky behaviors.
- Collaborate with design to craft intuitive money movement products and experiences that drive adoption and ongoing usage.
Qualifications & Experience: Degrees, Diplomas & Certifications:- University degree in Business, Engineering, Finance, Economics, or a related field, or equivalent practical experience.
Years and Range of Experience Required to Perform the Job:- 7+ years of product management experience in fintech, payments, or digital banking, owning complex products from strategy through execution and launch.
- Proven experience leading 01 product development in fast-moving, ambiguous environments.
- Strong experience in cards, payments, or transaction-based financial products, including work with card networks, processors, or external payment partners.
- Experience driving end-to-end product execution, including strategy definition, requirements writing, and agile delivery.
- Experience working in regulated financial services, partnering with Legal, Compliance, and Risk.
- Strong experience building and using unit economic models to inform product decisions.
- Experience defining KPIs and using data to drive adoption, usage, and continuous improvement.
- Experience working cross-functionally with Marketing and Design to deliver end-to-end product experiences.
- Strong stakeholder management and communication skills, including alignment with senior leadership and cross-functional teams.
- Exceptional written and verbal communication skills, strong organization, and excellent time management skills to operate across multiple complex workstreams.
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