Senior Product Manager, Commercial Banking

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Who we are:

The Role

At SoFi were on a mission to help our members get their money right and become a Top 10 Financial Institution. Were seeking a Senior Product Manager to own the payments product experience and API/developer platform for Big Business Banking (BBB) - SoFis zero-to-one commercial banking platform for institutional clients backed by our national bank charter.

Youll define how commercial clients move money - via portal or programmatically through APIs - across wires SEN FedNow RTP ACH and potentially tokenized deposit settlement (SoFiUSD).

As a key cross-functional player you will collaborate closely with Engineering Design Business Operations Compliance Risk Treasury and others to set a vision define priorities manage trade-offs execute an ambitious agenda and be accountable to results reported at the executive level.

What Youll Do:

• Define payment product strategy for Big Business Banking - sequence the roadmap across various payments capabilities. Translate market and client needs into a prioritized backlog.
• Own the client-facing payment experience - design end-to-end UX for how treasury teams initiate approve track and reconcile payments across portal and API. Design for commercial complexity: batch payments multi-approver workflows scheduled transfers beneficiary management.
• Own the API product and developer experience - define payment and webhook API contracts error handling idempotency and versioning. Build a sandbox and documentation experience that gets a client from signed contract to first successful API payment with minimal friction.
• Write PRDs and requirements for Bank Platform - serve as the customer voice to the Bank Platform team that builds rail infrastructure. Define acceptance criteria and own UAT. Ensure BBBs needs are prioritized alongside other internal consumers (Money Credit Card Crypto).
• Define payment operations and exception handling - design what happens when payments fail get returned or need manual intervention. Define ops workflows and tooling requirements so operations teams can resolve issues quickly.
• Partner with Risk and Compliance on payment-level controls - transaction limits sanctions screening flows fraud rules and regulatory requirements (Reg E BSA). Treat compliance as a product feature.
• Own go-to-market for new payment capabilities - define readiness criteria for each new rail launch coordinate across eng/ops/compliance/business and drive adoption with clients.

What Youll Need:

• Bachelors degree or higher ideally in a technical finance or quantitative field.
• 5 years of product management experience with meaningful time in payments commercial/B2B fintech or financial infrastructure.
• Deep understanding of how money moves - wires ACH real-time rails stablecoins - and whats different about commercial payments: higher stakes multi-party authorization beneficiary management batch operations.
• Experience shipping APIs that external developers integrate against. You think in contracts error codes idempotency keys and developer experience.
• Ability to cut through swirl and define the requirements. You can take ambiguous client needs and translate them into clear testable requirements that an engineering team can execute without constant clarification.
• Proven cross-functional partnership skills and ability to work in matrixed environment
• Experience working in regulated environments - you know how to partner with compliance legal and risk teams while keeping the product experience usable.
• Technical credibility - you can read an API spec review a sequence diagram and discuss system design with engineers. You self-service data.
• Strong communication forward lean and AI-fluency

Nice to Have:

• Experience at a bank neobank or banking-as-a-service provider - particularly on the commercial or treasury side.
• Familiarity with real-time payment rails (FedNow RTP) and/or stablecoin settlement infrastructure.
• Experience with developer-facing products at companies like Stripe Plaid Marqeta Unit Treasury Prime Modern Treasury or similar.