Principal Product Manager, Online Banking

Panacea Financial

About The Position

We are seeking an experienced, highly strategic Principal Product Manager to lead complex, high-impact product initiatives across the digital banking platform. This senior individual contributor will own product strategy, roadmap development, and execution for critical online banking capabilities that support long-term growth. The role calls for deep digital banking expertise, technical fluency, and sound business judgment to deliver intuitive, secure, and scalable banking experiences. The Principal Product Manager will navigate ambiguity, influence senior stakeholders, and collaborate with engineering, design, operations, compliance, and business leadership. The position covers the full product lifecycle, including discovery, research, requirements, launch, and optimization, as well as the strategy and evolution of online banking capabilities. The role also defines product performance measures and leads initiatives involving digital banking platforms, APIs, integrations, and customer-facing financial services.

Requirements

10+ years of product management experience, including significant ownership of complex technology products.
Experience in fintech, financial services, banking technology, payments, or related industries.
Demonstrated success leading major product initiatives from strategy through launch.
Experience with AI-enabled products and automation, with a strong bias toward hands-on learning and experimentation.
Strong technical understanding of APIs, integrations, data flows, and modern software architecture.
Experience working closely with engineering teams on complex platforms or enterprise technology solutions.
Strong analytical skills and ability to use data to inform prioritization and measure success.
Exceptional stakeholder management, communication, and strategic problem-solving skills.
Ability to operate independently and influence decisions at the executive level.

Nice To Haves

Experience leading 0-to-1 product development and navigating high levels of ambiguity.
Experience building and scaling digital banking or online banking products within fintech or financial services organizations.
Familiarity with digital banking platforms, online account servicing, payments, money movement, and customer authentication.
Experience optimizing digital customer experiences through product analytics, user research, and data-driven decision making.
Experience integrating digital banking solutions with core banking systems, third-party providers, and financial services APIs.
Experience applying Marty Cagan’s Product Operating Model principles in practice.
Experience building products in regulated financial services environments.
Experience scaling products in high-growth fintech organizations.

Responsibilities

Translate company objectives into actionable product priorities and measurable outcomes.
Own product vision, strategy, and roadmap for complex, business-critical capabilities.
Lead product discovery and research to identify customer problems, develop solution hypotheses, test and validate them, and iterate based on learning.
Identify opportunities to improve customer experiences, operational efficiency, and platform scalability.
Serve as a strategic thought partner to the Head of Product and executive leadership.
Drive the full product lifecycle from discovery and requirements definition through launch and optimization.
Partner with engineering and architecture teams to design scalable, secure, and reliable solutions.
Lead complex initiatives involving multiple systems, integrations, stakeholders, and dependencies.
Establish product requirements, success metrics, and delivery priorities.
Navigate technical and operational tradeoffs while maintaining alignment with long-term product strategy.
Own the strategy and evolution of online banking capabilities to deliver intuitive, secure, and scalable customer experiences.
Improve digital banking functionality, customer engagement, and platform usability.
Translate customer needs into digital banking solutions in partnership with engineering, design, and business teams.
Drive initiatives involving digital banking platforms, APIs, integrations, and customer-facing financial services capabilities.
Define and monitor metrics for product adoption, engagement, customer experience, and operational effectiveness.
Collaborate with engineering, design, data, compliance, risk, operations, and business teams to ensure successful product delivery.
Influence cross-functional priorities and decisions without direct authority.
Communicate product strategy, progress, risks, and recommendations to senior leadership.