Senior Product Manager - Instant Payments

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Senior Product Manager - Instant Payments based in the United States.

As a Senior Product Manager, you will shape the future of real-time payments and lead the strategy for an evolving instant payments portfolio.
You will define product vision, roadmaps, and investment priorities across solutions supporting faster and immediate payment experiences.
Working at the intersection of financial services, technology, and innovation, you will translate market and customer needs into high-impact products.
You will collaborate closely with engineering, architecture, product, marketing, sales, and customer teams to take products from concept through launch and optimization.
The role also offers the opportunity to serve as a subject matter expert on FedNow®, RTP®, ISO 20022, and the operational realities of 24/7/365 payments.
You will influence strategic decisions through market intelligence, business cases, financial analysis, and customer insights.
This is a high-impact opportunity for an experienced payments product leader to help modernize banking experiences and mentor the next generation of product talent.

Accountabilities:

• Define and execute product strategy and vision for the instant payments portfolio, aligning product investments with customer needs, market opportunities, and business objectives.
• Lead market research, competitive analysis, customer discovery, and validation activities to identify emerging opportunities and unmet needs in real-time payments.
• Develop, maintain, and communicate product roadmaps that reflect market demands, customer priorities, and organizational strategy.
• Own the product lifecycle from concept and business case development through delivery, launch, adoption, measurement, and continuous optimization.
• Partner with Architecture, Engineering, Technical Product Owners, and Product Leadership to translate strategy into actionable initiatives and successfully deliver complex financial technology solutions.
• Evaluate product opportunities, develop business cases, and prioritize investments based on customer value, commercial potential, ROI, and business impact.
• Monitor market trends, pricing strategies, competitive activity, and business outcomes to identify opportunities for growth and product differentiation.
• Collaborate with Product Marketing to develop product positioning, messaging, sales enablement materials, and go-to-market strategies.
• Partner with Sales to identify growth opportunities and effectively position instant payment solutions with financial institutions and other customers.
• Support strategic customer, partner, and industry engagements through product demonstrations, presentations, webinars, and thought leadership.
• Serve as a subject matter expert on instant payments, including FedNow Service, RTP Network, real-time transaction processing, payment limits, settlement, liquidity, and operational considerations.
• Guide product decisions involving ISO 20022 messaging and real-time payment workflows.
• Mentor Product Managers and Product Analysts while helping strengthen product management practices and capabilities across the organization.
• Represent the organization at conferences, customer events, webinars, and industry forums as an expert in faster payments and payments innovation.

Requirements:

• 6+ years of product management experience focused on instant payments, real-time payments, faster payments, digital payments, or closely related payment technologies.
• Demonstrated experience supporting or implementing the FedNow Service and/or RTP Network.
• Strong ownership of product strategy, roadmap development, prioritization, and end-to-end product lifecycle management.
• Deep understanding of real-time payment environments, including 24/7/365 transaction operations, settlement processes, payment limits, liquidity considerations, and operational requirements.
• Strong knowledge of FedNow capabilities and operational requirements as well as RTP functionality and network rules.
• Experience working with ISO 20022 messaging standards, including pain.001, pacs.008, pacs.002, pain.013, and pain.014.
• Understanding of fraud prevention in irrevocable payment environments, operational resilience, risk management, and real-time settlement.
• Experience working closely with engineering, architecture, and technology teams to deliver complex financial technology products.
• Strong analytical and strategic thinking skills, with experience conducting market research, developing business cases, and evaluating product investments.
• Experience within financial services, banking, fintech, payments technology, or a related industry.
• Ability to communicate complex payment concepts and strategic recommendations effectively to customers, executives, internal stakeholders, and industry audiences.
• Strong collaboration, influence, prioritization, and stakeholder-management skills.
• Preferred: 10+ years of overall professional experience, community bank or credit union experience, Pragmatic Institute Certification Level II or higher, and experience with Aha! or comparable product management platforms.
• Preferred: Knowledge of applicable regulations such as Regulation E and UCC Article 4A.
• Must be authorized to work in the United States without current or future visa sponsorship.

Benefits:

• Competitive salary based on skills, qualifications, experience, and location.
• Eligibility for incentive compensation tied to individual and business performance.
• Comprehensive employee benefits package.
• Access to medical, dental, vision, and other benefits.
• Remote work arrangement based in the United States.
• Opportunities to work on innovative payment technologies shaping the future of banking.
• Professional growth opportunities through strategic ownership, industry engagement, and cross-functional leadership.
• Opportunity to mentor product professionals and influence product management practices across the organization.

How Jobgether works:

We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.

We appreciate your interest and wish you the best!

Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.

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We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.