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Senior Product Manager, Banking

Clera

This Senior Product Manager role focuses on core banking infrastructure and consumer-facing financial products within a fintech serving small businesses. You will manage the technical systems and user flows for deposits, cards, and money movement.

What you’d own

  • Deposit accounts, money movement (ACH, wires), and card transactions
  • Core banking infrastructure including ledger and payment rails
  • End-to-end account opening and funding flows
  • Third-party vendor and banking partner integrations

Who it’s for

A fit if you…

  • You have 7+ years of experience in complex, technical product management
  • You have a track record in regulated environments involving payments or cards
  • You are comfortable navigating risk, fraud, and compliance requirements
  • You can translate complex data into clear specs for engineering teams

Not for you if…

  • You prefer less-regulated industries without strict compliance constraints
  • You prefer high-level strategy over technical infrastructure and ledger systems
  • You prefer a role without heavy cross-functional coordination with legal/risk

Reading between the lines

  • The mention of 'program infrastructure' and 'ledger' suggests you will deal with significant backend complexity, not just UI changes.
  • Requirement to embed risk/compliance from 'day one' implies a highly governed development process.

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Full job description
Location Type: Remote Location: New York Employment Type: FullTime Department: Engineering ABOUT THE ROLE This is a senior product management role owning the core banking experience at a fast-growing fintech serving small and independent businesses. You will set the strategy and roadmap for deposit accounts, money movement, cards, and the underlying program infrastructure, partnering closely with Engineering, Design, Risk, and Compliance to ship reliable, secure financial products at scale. WHAT YOU'LL DO - Own the strategy, roadmap, and execution for core banking products including deposit accounts, money movement, cards, and supporting program infrastructure. - Own the end-to-end experience for account opening, funding, deposits, and money-movement flows such as ACH, wires, transfers, bill pay, and card transactions. - Partner with Engineering on ledger, payments rails, and card systems that underpin 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 and secure features on a predictable cadence with Engineering and Design. - Embed risk, fraud, security, and regulatory requirements into the product process from day one, partnering 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 - 7+ years of progressive product management experience, with a focus on complex, technical, or platform products. - A demonstrable track record of shipping customer-facing products in a high-growth, regulated environment involving money movement, payments, cards, deposits, or other financial infrastructure. - Strong understanding of banking and fintech fundamentals. - Proven ability to partner with and influence Engineering and Design, and to write clear, actionable product specs. - Strong analytical skills and fluency with product and cohort data. - Experience working with Risk, Compliance, and Legal to ship within regulatory constraints. - Background in fintech, financial services, banking, or payments preferred. - Bachelor's degree or equivalent experience required. COMPENSATION & BENEFITS Base salary: $160,000 to $180,000 USD annually. Visa sponsorship is not available for this role. LOCATION Hybrid, based in New York City, New York, United States.

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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