Product Manager

Job Title Product Manager Location Austin, Texas / in office 3-4 days per week About Us At Austin Capital Bank we’re not just a bank and fintech company; we’re a dynamic team that’s all about innovation and building products that help people. Our commitment to creating meaningful user experiences drives everything we do, and we’re rapidly growing while keeping that start-up spirit alive. If you’re eager to make an impact in the tech world, let’s chat! Our Core Values Take Initiative – A bias to action‑proactive vs reactive No Big Egos – Self-confidence with humility Honesty – Direct forthright communication Wicked Smart – Intellectually and emotionally self‑aware Job Summary Austin Capital Bank is looking for a Product Manager to own and drive product strategy across our growing portfolio of consumer fintech and Banking‑as‑a‑Service products. This is a high‑ownership, high‑visibility role that sits at the center of everything ACB builds. You will define product vision, prioritize roadmaps, write PRDs and user stories, lead cross‑functional delivery teams, and own outcomes— not just output. You will be expected to move fast, leverage AI tools to accelerate research and decision‑making, and bring a proactive point of view on where the product should go before anyone asks for it. This role requires equal parts strategic rigor and hands‑on execution: one day you’re writing acceptance criteria, the next you’re presenting a roadmap to the team. Key Responsibilities Product Strategy & Roadmap Ownership Define and maintain product roadmaps aligned to ACB’s strategic objectives, regulatory requirements, and market opportunity. Prioritize ruthlessly across a large backlog—balancing customer value, compliance obligations, technical debt, and revenue impact. Conduct competitive and regulatory landscape analysis to ensure ACB products stay ahead of the market and remain compliant. Data‑Driven Experimentation & AI‑Augmented PM Design and interpret A/B and multivariate experiments across onboarding, engagement, and payment flows; iterate rapidly based on results. Pull and analyze product data using SQL and behavioral analytics tools (Heap, Contentsquare, Snowflake) to form and test hypotheses independently. Use AI tools to compress research cycles, synthesize user feedback, draft product specs faster, and introduce new AI methods that improve team velocity. Cross‑Functional Leadership & Stakeholder Management Lead agile delivery teams—sprint planning, backlog refinement, and release coordination with engineering, QA, UX, and operations. Train internal support and operations teams on new features before launch; maintain product documentation and integration guides in Confluence. Escalate and resolve product issues proactively—from fraud flags and service outages to customer support triage—before they become systemic. New Product Development Contribute to pre‑development product definition for new products (competitive analysis, target customer segmentation, pricing, and eligibility rules). Collaborate cross‑functionally with risk, legal, compliance, and engineering on vendor evaluation and go‑to‑market sequencing. Qualifications Education Bachelor’s degree in Business, Computer Science, Finance, Economics, or a related field. MBA or equivalent graduate degree is a plus. Formal training or certification in product management, agile delivery, or data analytics is a differentiator. Experience 2-5 years of experience in Product Management, with experience in fintech, consumer lending, digital banking, or a similarly regulated technology environment. Or—if you’re a current undergraduate, master student, or early‑career professional and are a yet‑to‑be discovered rockstar with high proven potential—tell us about your superpowers. Demonstrated track record of owning and shipping consumer‑facing digital products end‑to‑end, from discovery through post‑launch iteration. Experience writing and managing detailed PRDs, user stories, and acceptance criteria in a fast‑moving agile environment. Experience working with compliance, legal, and risk teams to navigate banking regulations as product constraints—not blockers. Experience with BaaS, payment rails, accounting, or core banking platforms is a strong plus. Experience with KYC/KYB digital onboarding and identity verification workflows (Jumio, CLEAR, Sentilink, Experian, or equivalent) is a differentiator. Skills Strong SQL skills—you can pull your own data, build your own queries, and not wait for an analyst to tell you what’s happening in your product. Proficiency with behavioral analytics platforms (Heap, Contentsquare, Amplitude, or equivalent) and A/B testing frameworks. Comfort with AI‑powered PM tools and a clear bias toward using them—for research, spec writing, competitive analysis, and experiment design. Expert ability to write clear, concise product requirements that engineering and QA can execute without repeated clarification rounds. Demonstrated ability to build financial models, unit economics analyses, and revenue projections to support product prioritization. Strong working knowledge of payment rails: ACH, RTP, wire, card push (Visa Direct / Mastercard Send), and settlement mechanics. Familiarity with Jira, Confluence, and agile delivery tooling. Exceptional communication and interpersonal skills—you can write a crisp executive summary, run a tight product review, and hold your own in a regulatory conversation. What You’ll Be Building For Consumers rebuilding their financial lives. Families protecting their children’s identities. Savers protecting their life savings from fraud. And fintech partners who need a bank that can actually move fast. #J-18808-Ljbffr