Senior Product Manager

Payactiv is seeking a Senior Product Manager based in our Milpitas CA office , who is passionate about creating meaningful fintech solutions that empower workers and employers alike. This role requires a strategic thinker and customer advocate who thrives in a fast-paced environment and excels at cross-functional collaboration. The ideal candidate will have a strong technical background, a deep understanding of financial products, and a relentless focus on delivering exceptional user experiences.

Who we are…

Payactiv, Inc. is a leading financial technology company revolutionizing the way workers access and manage their earnings. As the pioneer of Earned Wage Access (EWA), we empower workers with real-time financial flexibility while enabling businesses to improve workforce engagement and productivity. Our mission is to provide inclusive financial wellness solutions that improve the lives of millions of workers.

What you will do…

• Champion the worker, employer, and partner experiences: Serve as the voice of the customer, ensuring our products meet the needs of both workers and businesses by prioritizing usability, accessibility, and engagement
• Product Strategy & Vision: Define and execute a strategic roadmap that aligns with Payactiv’s mission and business objectives while keeping user needs at the forefront
• Data-Driven Insights & Market Research: Conduct user research, analyze data, and leverage customer feedback to identify pain points and opportunities for product improvement
• Product Development & Execution: Own the end-to-end product lifecycle, collaborating with design, engineering, compliance, and marketing teams to deliver seamless and impactful solutions
• Cross-Functional Leadership: Work closely with stakeholders across the company, translating user needs into product requirements and ensuring alignment across teams
• Regulatory & Compliance: Ensure fintech products comply with financial regulations, security standards, and industry best practices while maintaining a seamless user experience
• Technology & Innovation: Identify emerging fintech trends, leverage AI/ML-driven personalization, and explore cutting-edge technologies to enhance product offerings
• Define Success Metrics: Establish and track KPIs to measure product performance, iterate based on data insights, and optimize user engagement and adoption
• Collaborate efficiently and effectively with product management team members in Asia

What you need…

• 5+ years of product management experience in fintech, payments, lending, or financial services
• User-first mindset, with a deep commitment to designing products that enhance financial wellness and accessibility
• Strong analytical and problem-solving skills, with a data-driven approach to decision-making
• Experience working with Agile methodologies, cross-functional teams, and iterative product development
• Proven ability to advocate for workers and employers, balancing business objectives with user satisfaction
• Excellent communication and stakeholder management skills, with the ability to influence at all levels
• Technical proficiency, with the ability to collaborate effectively with engineering teams on API-based and mobile-first products
• Deep understanding of financial products, compliance, and regulatory landscapes in the U.S. fintech space
• Bachelor’s degree required; a background in Computer Science or related technical field is a plus
• Experience in Earned Wage Access (EWA), payroll integrations, embedded finance, or digital banking is preferred
• Technical background (Computer Science, Engineering, or related field) to facilitate better collaboration with developers
• Familiarity with AI, ML, and data-driven personalization in fintech products
• Passion for financial inclusion and social impact-driven products

What we offer…

• Company sponsored Health, Dental, and Vision insurance
• 401K, traditional, and Roth with company match
• Tuition Assistance or Tuition Reimbursement
• Monthly Gym Reimbursement
• Paid time off to volunteer
• Paid Family Leave
• Unlimited Paid Time Off
• Complimentary office lunches
• Impact-Driven Mission: Be part of a Certified B Corp genuinely dedicated to improving financial wellness for millions of workers
• User-Centric Culture: Build products that genuinely improve people’s lives by prioritizing user experience and accessibility
• Fast-Growing Fintech: Work in a dynamic environment at the forefront of financial innovation
• Career Growth: Take on high-impact responsibilities with ample opportunities for leadership and advancement