Senior Product Manager, Banking

This Senior Product Manager role focuses on core banking infrastructure and money movement systems within a fintech platform. You will manage high-stakes features like deposit accounts, payment rails, and security protocols for small business customers.

What you’d own

Core banking products including deposit accounts and cards
Money movement flows (ACH, wires, transfers, bill pay)
Ledger systems and underlying program infrastructure
Third-party vendor and banking partner integrations

Who it’s for

A fit if you…

✓You have 5+ years of experience in fintech or business banking.
✓You have deep expertise in non-card payments and money movement rails.
✓You are comfortable navigating risk, fraud, and regulatory requirements.

Not for you if…

✗You prefer consumer-facing features over backend infrastructure and ledger systems.
✗You prefer a high-autonomy environment without heavy compliance/legal oversight.
✗You are looking for a fully remote role (requires 2-3 days in NYC).

Reading between the lines

The mention of 'predictable cadence' and 'risk, fraud, security, and regulatory requirements' suggests a highly governed environment with strict compliance guardrails.
Ownership of 'underlying program infrastructure' implies you will deal with complex technical debt and legacy system integration.

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PostedYesterday

SenioritySenior

Salary$160k–200k/yr

LocationUS (NY)

Product areafintech

TypeFull-time

Role type

Technical PM Platform PM

Full job description

ABOUT THE ROLE

This is a high-impact product leadership role owning a major banking product area that spans payment experiences, account services, platform reliability, and customer security. You'll sit at the intersection of engineering, operations, risk, and external partners to shape how small business customers manage and move money. The work directly defines the reliability and trustworthiness of a core fintech platform.

WHAT YOU'LL DO

Own the strategy, roadmap, and execution for core banking products including deposit accounts, money movement, cards, and underlying program infrastructure.

Drive the end-to-end experience for account opening, funding, deposits, and money-movement flows including ACH, wires, transfers, bill pay, and card transactions.

Partner with Engineering on ledger, payments rails, and card systems that power those flows.

Run a rigorous, cohort-based discovery process grounded in customer research and usage data to surface the highest-impact opportunities.

Write clear specs, define success metrics, and ship reliable, secure features on a predictable cadence with Engineering and Design.

Embed risk, fraud, security, and regulatory requirements into the product process from the start, working closely with Risk, Compliance, and Legal.

Manage product relationships and integrations with banking partners and key third-party vendors.

Define and track product metrics across activation, engagement, retention, multi-product adoption, and reliability.

WHAT WE'RE LOOKING FOR

5 to 15 years of product management experience, with a scope that fits a Senior PM level.

Strong hands-on experience with non-card payments and money movement, including ACH, wire transfers, and real-time payments (RTP).

Demonstrated ability to own banking product capabilities end-to-end, from discovery through delivery.

Comfort working with risk, compliance, and legal teams to build secure, regulation-aware products.

Stable, consistent employment history with depth in relevant domains.

Experience in fintech, business banking, or a closely adjacent financial services environment is a strong plus.

COMPENSATION & BENEFITS

Salary range: $160,000 to $200,000 USD annually. Visa sponsorship is not available for this role.

LOCATION

Hybrid, based in New York City, New York, USA (2 to 3 days onsite per week in the Financial District).

About Clera

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Clera is an AI talent agent that represents job seekers rather than employers, making warm introductions to founders and hiring managers at venture-backed startups instead of routing resumes through an ATS. Candidates chat with Clera about the roles they want, and it surfaces matches across 600+ startups and brokers the intro directly - free for candidates, since companies pay only when they hire. Founded by three repeat founders who came out of the recruiting world, it passed $1M in annualized revenue within months of launching while representing tens of thousands of professionals. The team values in-person collaboration and works closely together.

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