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About the Role

We are building Commercial Banking from the ground up and are looking for a Principal Product Manager to lead the strategy, roadmap, and delivery of our next-generation business banking platform. This is a 0→1, company-level role responsible for defining how businesses move and manage money across modern rails — including Wires, ACH, FedNow, and emerging real-time/stablecoin settlement. You will set the vision, drive the roadmap and deliver the experiences and infrastructure that commercial clients need to run their businesses. You’ll operate with high autonomy, influence executive strategy, and lead complex, regulated financial systems from concept through scale.

Responsibilities

Define the multi-year product vision and roadmap for Commercial Banking
Own and deliver client facing experiences and APIs and end-to-end platform: business accounts, payments rails (Wires, ACH, FedNow), treasury capabilities, and APIs
Lead 0→1 product development from discovery through launch and scale
Manage and grow a product team to drive roadmap and delivery as business scales
Partner cross-functionally with Business, Engineering, Risk, Compliance, Treasury, Finance, Sales and Operations teams to bring product roadmap to life
Translate regulatory and operational constraints into elegant product solutions
Drive measurable outcomes: adoption, volume, reliability, cost efficiency, and risk performance
Influence company strategy and mentor other PMs as a subject-matter expert in commercial banking

Requirements

Bachelor’s degree or higher, ideally in a technical, finance, or quantitative field.
10+ years of product management experience, with significant time in platform and B2B roles
Experience building and growing teams of product managers
Strong cross-functional collaboration and influence skills
Excellent written and verbal communication skills, with the ability to simplify technical complexity for diverse stakeholders. Experience presenting to C-level leadership
Direct experience building commercial/business banking or payments products
Deep knowledge of Wires and ACH systems and operations
Experience with FedNow or real-time payments (RTP)
Experience launching regulated financial products at scale from within a Bank
Entrepreneurial mindset, with proven track record leading ambiguous, cross-team 0→1 initiatives independently
Strong technical fluency with APIs, ledgers, and payments architectures
Stablecoin, tokenized deposits, or blockchain-based settlement experience
Sponsor bank or Banking-as-a-Service experience
Treasury, cash management, or reconciliation platform exposure
Experience building front-end b2b experiences
Experience building developer-first financial platforms or serving fintech/platform customers

Skills

Product Management
Platform
B2B
Team Building
Cross-functional Collaboration
Communication
Commercial Banking
Payments
Wires
ACH
FedNow
Real-time Payments (RTP)
Financial Products
APIs
Ledgers
Payments Architectures
Stablecoin
Tokenized Deposits
Blockchain Settlement
Sponsor Bank
Banking-as-a-Service
Treasury
Cash Management
Reconciliation
Front-end B2B Experiences
Developer-first Financial Platforms
Fintech
Platform Customers

Location

Remote (excluding Hawaii or Alaska)

Work Type

Full-time

Experience Level

10+ years of product management experience
Principal

Education Level

Bachelor's degree or higher

Benefits

Comprehensive and competitive benefits

About the Company

Shape a brighter financial future with us.
Together with our members, we’re changing the way people think about and interact with personal finance.
We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals.
The industry is going through an unprecedented transformation, and we’re at the forefront.
We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way.
Join us to invest in yourself, your career, and the financial world.

Equal Opportunity

SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.
The Company hires the best qualified candidate for the job, without regard to protected characteristics.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
New York applicants: Notice of Employee Rights
SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com.