Senior Technical Product Manager, Banking Platform

The salary range for this role is $5,000 - $8,000 per month (Gross in USD). About the company: With a mission to financially empower the next generation, the company is revolutionizing the shopping experience beyond payments, blending cutting‑edge tech with seamless, interest‑free installment plans that make shopping smarter and more accessible. We’re not just transforming payments; we’re redefining how people discover, interact with, and purchase the things they love while driving real impact on merchant sales through increased conversions and higher order values. As we continue to shape the future of fintech and retail, we’re building an innovative, dynamic team passionate about creating more than just a transaction but a truly unique shopping journey. If you’re excited about pushing boundaries in tech and delivering a game‑changing experience for consumers and merchants alike, come join us at the company and help create the future of shopping!

About the Role:

We are seeking a talented and motivated Senior Technical Product Manager who is best in class with a high IQ plus a high EQ. This role presents an exciting opportunity to thrive in a dynamic, fast‑paced environment within a rapidly growing team, with abundant prospects for career advancement.

The company is building the platform that will carry us from a BNPL provider into a full‑stack financial institution. This role owns the system at the center of that: the company’s banking core — the ledger, accounts and balances, and the money movement that every future the company financial product will run on.

You would own it end to end. Discovery, architecture and vendor decisions, requirements, build, launch, and everything after — not a slice of someone else’s roadmap, but the full product lifecycle for the platform itself. You’d work directly with Engineering, Finance, Compliance, Treasury, and Risk, with real authority over how this gets built.

What You'll Do:

• Own the banking platform roadmap. Define and sequence the platform work required to support accounts, deposits, cards, and lending on a single ledger and account model.

• Help drive the build‑vs‑buy decision. Evaluate core banking platforms and processors, run vendor diligence, model cost and time-to‑market, and help leadership decide whether we extend what we have or integrate a third party.

• Shape the account and ledger model. Work with Engineering and Finance on account hierarchies, sub‑ledgers, chart‑of‑accounts mapping, posting rules, holds, interest and fee accrual, and general ledger integration.

• Specify money movement. Own product requirements for transfers, ACH, card issuing and network settlement, real‑time rails, and returns and reversals — including exception handling, cutoff windows, and settlement reconciliation.

• Make the platform auditable. Ensure the system produces the reporting, traceability, and controls that Finance, audit, and regulators need — reconciliation breaks, balance attestation, and complete transaction history.

• Partner on regulatory readiness. Work with Compliance and Legal to turn their requirements into platform capabilities: screening hooks, onboarding data, error resolution, disclosures and statements, and reporting. You don’t need to arrive fluent in US banking regulation — you do need to be someone who learns it properly.

• Plan migration and cutover. If a migration is in scope, own data mapping, parallel‑run strategy, validation criteria, rollback plans, and phased cutover.

• Write the technical requirements. Own detailed specs, API contracts, event schemas, data models, user stories, and release plans end‑to‑end.

• Use data to prove it works. Write your own SQL. Define platform KPIs — posting latency, reconciliation break rate, settlement accuracy, failure rates — and monitor them relentlessly.

• Manage risk early. Anticipate technical risks, edge cases, race conditions, and dependencies before they become incidents. Money movement defects are the expensive kind.

• Operate with urgency. Deliver against an evolving regulatory and business timeline with incomplete information.

What We Look For:

• Bachelor’s or advanced degree in Engineering, Computer Science, or other technical discipline (required).

• 5-10 years of product experience, with meaningful time spent on financial infrastructure rather than only customer‑facing surfaces.

• Real ownership in at least one of the following. You do not need all of them, and we care much more about depth in one than exposure to several:

• Ledgers, general ledger, or balance and transaction systems

• Payments processing, orchestration, or money movement — ACH, card networks, transfers, settlement, or the LATAM equivalents (PIX, SPEI, PSE, CCE)

• Card issuing or card program management

• Deposit, wallet, or account platforms

• Lending origination or loan servicing platforms

• Product work at a processor, BaaS provider, or core banking vendor

• Comfort with double‑entry accounting concepts as they show up in software — debits and credits, sub‑ledgers, accruals, reconciliation — or a genuine appetite to get comfortable with them quickly.

• Deep technical understanding of APIs, event‑driven architecture, idempotency, distributed system failure modes, batch vs. real‑time processing, and data flows.

• Strong SQL skills and comfort querying and interpreting data independently.

• Experience working directly with Compliance, Legal, Finance, or Treasury as stakeholders — not only Engineering and Design.

• Comfortable working in ambiguity and making sound, documented decisions with incomplete information.

• Strong written and verbal communication — can hold your own in an engineering standup, a Finance review, and an executive discussion.

• Hands‑on familiarity with AI tools, data models, or generative AI applications—personally, professionally, or better yet, both!

Preferred Qualifications:

• Direct experience with a core banking platform, in‑house or vendor (Thought Machine, Mambu, 10x, Finxact, Temenos, Technisys, Galileo, Pismo, or similar).

• Experience with a core migration, conversion, or major ledger replacement.

• Experience at a chartered or licensed financial institution, or supporting a charter, banking licence, or deposit insurance application.

• Familiarity with consumer finance regulation — US (Reg E, Reg DD, Reg CC, Reg Z, TILA, FCRA, BSA/AML) or equivalent local regimes.

• Background in consumer credit or BNPL, card products, or bank‑fintech sponsorship programs.

• Experience with third‑party risk management and vendor oversight in a regulated environment.

About You:

• You have relentlessly high standards - many people may think your standards are unreasonably high. You are continually raising the bar and driving those around you to deliver great results. You make sure that defects do not get sent down the line and that problems are fixed so they stay fix