Program Manager - Banking Products

Program Manager – Banking Products Customer-Centric │ Strategy-Driven │ Results-Oriented Location On-Site │ Charlotte,NC (Company HQ) Experience Required 5+ Years in Banking / Financial Services Product Management People Manager Yes (Cross-Functional Teams) Reports To TBD Classification Full-Time, Exempt About The Role We are seeking a highly motivated and experienced Product Manager to own and drive all aspects of our banking product portfolio. This is a high-impact, highly visible, hands‑on role at the intersection of strategy, technology, and customer experience. You will work with the Executive team to set the vision, define the roadmap, and guide cross‑functional teams to deliver banking solutions that delight customers, outpace competitors, and generate sustainable business growth. This is not a passive role. You will be expected to think like an owner, move with urgency, tight deadlines and balance long‑term strategic vision with near‑term execution. You thrive in a fast‑paced environment, know how to navigate complexity, and bring clarity to ambiguity. If you are energized by solving real financial problems for real people — and have the track record to prove it — this role was made for you. What You’ll Own Competitive Intelligence & Market Positioning Continuously monitor the competitive landscape, including traditional banks, credit unions, neobanks, PFM(s) and fintech disruptors. Conduct in‑depth competitive analyses and translate findings into actionable product strategy and differentiation opportunities. Develop and maintain compelling positioning frameworks that clearly articulate our value proposition to customers, partners, and stakeholders. Identify market gaps and emerging trends to influence product investment decisions. Product Strategy & Roadmap Own the end‑to‑end banking product roadmap — from ideation through launch and iteration. Assist with defining and prioritizing features and enhancements based on customer needs, business goals, regulatory requirements, and technical feasibility. Collaborate with cross‑functional teams to drive timely, high‑quality product delivery. Develop & execute strategy for utilizing rewards and perks to entice sales, strengthen loyalty and promote the use of our card programs. Establish clear OKRs and KPIs for each product area and hold teams accountable to outcomes. Pricing & Revenue Strategy Design and manage competitive, customer-friendly pricing models for banking products including deposit accounts, checking accounts, cards, payment services and other products as may be needed. Develop and maintain pricing models of all products. Model revenue impact of pricing changes and new product structures. Evaluate fee structures, interest rates, and incentives (perks) to optimize customer acquisition, loyalty and profitability. Understand and optimize strategic product design impacts on unit P&L. User Experience & Customer Journey Champion the voice of the customer at every stage of the product lifecycle. Partner with UX/Design to create intuitive, accessible, and engaging digital banking experiences across web and mobile. Drive usability testing, customer research, and journey mapping to surface friction points and prioritize improvements. Ensure our banking products meet or exceed the expectations of today’s digitally savvy consumers. Partner & Vendor Identification Identify and evaluate relationships with key fintech partners, core processors, payment networks, and technology vendors. Assist with vendor selection processes including RFP/RFI, due diligence, contract negotiation, and ongoing performance management. Assist with building a strategic partner ecosystem that accelerates product capabilities and reduces time-to-market. Stay current on emerging technology providers and partnership models relevant to digital banking. Regulatory & Compliance Awareness Partner with Legal, Risk, and Compliance teams to ensure all banking products adhere to applicable regulations (CFPB, FDIC, BSA/AML, TILA, etc.). Proactively anticipate regulatory changes and incorporate compliance requirements into the product roadmap. Consider Info Security, Compliance and Risk Management as a baseline of all product decisions. Required What We’re Looking For 5+ years of product management experience in banking, financial services, or fintech, with demonstrated ownership of banking‑specific products. Deep understanding of banking products including, but not limited to, deposit accounts, lending, payments, debit/credit cards, and digital banking platforms. Proven ability to develop and execute product strategy and roadmaps in a regulated industry. Experience conducting competitive analysis and translating insights into clear product decisions and positioning. Strong understanding of pricing models, revenue mechanics, and the financial drivers of banking products. Ability to partner with and influence cross‑functional teams including engineering, design, compliance, risk, operations and marketing. Demonstrated vendor and partner management experience. Excellent written and verbal communication skills; ability to present to executive leadership and external partners. Self‑starter mentality — comfortable operating in ambiguity, setting direction, and driving results without being told what to do. Exceptional organizational skills with the ability to juggle multiple competing priorities without dropping the ball. Preferred Experience at a digital bank, neobank, or innovative fintech company. Familiarity with core banking platforms (e.g., Galileo, FIS, Fiserv, Jack Henry) and modern fintechs (Plaid, Stripe, Sardine, Atomic, etc.). Background in consumer‑facing digital product management with measurable impact on engagement or conversion. Knowledge of regulatory frameworks governing retail banking (CFPB guidelines, OFAC, Reg E, Reg Z, BSA/AML, SOC2). MBA or advanced degree in Finance, Business, Computer Science, or related field. Domain Expertise We Value Checking/Savings Accounts, Loans, Cards, Payments, Digital Wallets, Crypto Currencies, Rewards Program Journey Mapping, Usability Testing, Design Thinking, Wireframing Fee Structures, Rate Modeling, Value Prop Development Core Processors, Reward/Perk Partners, Fintechs, Card Networks, Compliance Partners Product Analytics, A/B Testing, KPI Dashboards, SQL/BI Tools Bachelor’s degree in Business, Finance, Computer Science, Economics, or a related field MBA or equivalent advanced degree strongly preferred Relevant product management certifications (e.g., Pragmatic Institute, AIPMM, CSPO) are a plus Education Bachelor’s degree in Business, Finance, Computer Science, Economics, or a related field. MBA or equivalent advanced degree strongly preferred. Relevant product management certifications (e.g., Pragmatic Institute, AIPMM, CSPO) are a plus. Work Environment This is an on‑site position based at our company headquarters. Standard hours are Monday through Friday, 8:00 AM to 5:00 PM. The nature of banking product management means occasional evening or weekend work may be required around key launches, regulatory deadlines, or partner milestones. Some travel may be required for industry conferences, partner meetings, and regulatory events. Why Join Us Significant ownership and autonomy — your decisions will directly shape the banking products that customers use every day. High Growth Potential if you are ready to make that next move in your career with the experience you have obtained and are ready to take that drive into the next phase. The opportunity to build a best‑in‑class banking product portfolio from a position of competitive strength. A collaborative, high‑performance team that values bold thinking, intellectual rigor, and bias for action. A fast‑moving environment where your ideas get heard, your work gets shipped, and your impact is visible. Front‑row seat to the future of digital banking and fintech innovation. Equal Opportunity Employer We are an equal opportunity employer committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Note: DingoBlu is a financial technology platform, not an FDIC‑Insured bank. Banking services and eligible deposit accounts are provided by our FDIC‑insured bank partners. FDIC insurance is provided by such banks up to applicable limits and subject to FDIC requirements. #J-18808-Ljbffr