Principal Product Manager, Real-Time Payments Platform

Overview SoFi is building an advanced real‑time payments platform that powers instant, 24/7/365 money movement for its members and commercial clients. As Principal Product Manager, you will own the vision, strategy, and roadmap of this platform, scale its capabilities across all SoFi products, and ensure it remains secure, compliant, and highly available. Responsibilities Own the vision, strategy, and roadmap for SoFi’s real‑time payments platform, including FedNow, Fedwire, instant debit (Visa Direct, Mastercard Send), and future real‑time rails. Scale real‑time capabilities to new business lines – champion the platform internally, evangelise adoption to other business units, and build a roadmap to onboard new use cases. Partner with Risk, Compliance and Operations to ensure real‑time payments are secure, compliant, and resilient, and every penny is accounted for. Manage vendor and partner relationships – including Galileo (Payment Hub), the Federal Reserve (FedNow, Fedwire), The Clearing House (RTP), and card network partners – to influence roadmaps, negotiate terms, and ensure SoFi’s needs are met. Drive operational excellence – define SLAs, monitor platform health, reduce failure rates, and build operational tooling that enables support teams to resolve issues quickly. Instrument and measure – define the metrics that matter (transaction success rate, speed, funds availability, cost per transaction, fraud rates, complaints per rail) and build the data infrastructure to track them. Qualifications–MustHave 8+ years of product management experience, with significant time in payments, financial infrastructure, or money‑movement platforms. Deep understanding of payment rails – FedNow, Fedwire, RTP, ACH, and card‑based instant payments, including message formats, settlement mechanics, cutoff times and regulatory requirements. Platform product management experience – built infrastructure or platform products that serve multiple internal or external customers, focusing on APIs, contracts and capabilities rather than just screens. Experience with payment orchestration – routing logic, fallback strategies, rail selection, transaction lifecycle management; ideally worked with or built a payment hub or gateway. Vendor and partner management chops – managed relationships with processors, networks or infrastructure vendors, and influenced partner roadmaps. Comfort with compliance and risk – knowledge of AML/KYC/OFAC, Reg E, and design for compliance without harming user experience. Strong analytical skills – use data to identify problems, size opportunities, and make decisions; can define and instrument metrics from scratch. Excellent communication – translate complex technical infrastructure into clear narratives for executive leadership, business partners and operations teams. Nice‑to‑Have Experience at a bank, neobank or bank‑as‑a‑service provider. Familiarity with Galileo’s platform (Payment Hub, Cyberbank Core) or similar core banking processors. Experience building for both consumer and commercial (B2B) use cases on the same platform. Background in real‑time gross settlement (RTGS) systems, cross‑border payments or correspondent banking. Technical depth – able to read an API spec, review an architecture diagram, or write a SQL query to investigate an issue. Compensation & Benefits The base pay range for this role is listed below. Final base pay will be determined based on individual factors such as the candidate’s experience, skills and location. SoFi offers competitive benefits – visit the Benefits at SoFi page for details. Equal Employment 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 SanFrancisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. NewYork applicants: Notice of Employee Rights. SoFi is committed to an inclusive culture and 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 View email address on click.appcast.io. #J-18808-Ljbffr SoFi