Product Manager (Senior/Staff/Principal)

Monarch Money

1d • $180,000 - $275,000 • Remote

About The Position

Monarch is a powerful, all-in-one personal finance platform designed to help make the complexity of finances feel simple again. Since launching in 2021, we've become the top-recommended personal finance app by users and experts. Our goal? To take the stress out of finances so our members can focus on what truly matters. We are a team of do-ers led by experienced entrepreneurs who are passionate about helping our members reach their financial goals. We're hyper focused on building a product people love, and on finding every edge that helps us do that better. AI is core to how we operate: every person on the team uses it as a partner to sharpen judgment, move faster, and expand what's possible. We're not looking for tool mastery, we're looking for fluency and curiosity. What matters is that AI is part of how you work today and that you're actively raising your own bar on how to use it well. As a fully remote company (even before COVID!), we welcome applicants from almost anywhere. Our team collaborates synchronously mostly from 9 AM – 2 PM PT and embraces asynchronous work to stay connected across time zones. Join us on our mission to transform lives by simplifying money, together.

The Role: We're hiring Senior, Staff and Principal Product Managers with 5+ years of PM experience with a track record of shipping products they're proud of. You'll own discovery, prioritization, and delivery on a high-leverage area of Monarch's product. A PM role at Monarch requires taking end-to-end responsibility from identifying the opportunity through shipping and iterating in-market. This is an individual contributor role with significant ownership and high autonomy. You won't be coordinating; you'll be building.

Below, you'll find more information about the three product areas we're currently hiring for:
Aggregation: Monarch's value starts with reliable, accurate financial data, and this PM owns the layer that makes it possible. You'll work on bank connections, account sync, transaction normalization, and the pipelines every downstream experience depends on. When aggregation breaks, member trust breaks. This role sits at the intersection of product, data engineering, and fintech infrastructure. Strong technical fluency matters, not because you'll write code, but because you'll make consequential calls about data architecture, third-party provider tradeoffs, and reliability investments. Familiarity with financial data or data platform products is a meaningful advantage.
Core Product: Nearly every member touches Core Product surfaces every time they open the app: transactions, budget, reports, recurring, accounts, dashboards, goals, forecasting, filters, and retail integrations. This is the foundation of how people interact with their money at Monarch, and there's always room to iterate for clarity, reliability, and usefulness. This role calls for strong consumer instincts, a high bar for craft, and the ability to manage a large, interconnected surface area without losing focus. A big part of the job is making complex, messy financial data feel simple and trustworthy.
AI: Most competitors are bolting AI on as a feature. Monarch is rethinking the product around it. This PM owns the AI-powered experiences where Monarch doesn't just show you your money but helps you understand it, act on it, and stay on top of it proactively. We're looking for a builder who has shipped AI-powered features to real users, uses AI daily in their own workflow, and can make sound calls about where AI adds member value versus where it creates noise or erodes trust. This role skews most toward early-stage, high-velocity environments and a demonstrable track record with AI product work.
When applying, please indicate which area is the strongest fit. We're open to candidates who could match more than one.

Requirements

• 5+ years of PM experience
• Track record of shipping products they're proud of
• Strong technical fluency (for Aggregation role)
• Strong consumer instincts (for Core Product role)
• A high bar for craft (for Core Product role)
• Ability to manage a large, interconnected surface area without losing focus (for Core Product role)
• Experience shipping AI-powered features to real users (for AI role)
• Uses AI daily in their own workflow (for AI role)
• Demonstrable track record with AI product work (for AI role)
• Fluency and curiosity with AI, using it as a partner to sharpen judgment, move faster, and expand what's possible.
• Ability to dig into the complexity of personal finance.
• Ability to make decisions using quantitative data, qualitative research, and customer feedback.
• Ability to communicate in a way that is clear, succinct, and proactive across engineering, design, GTM, and leadership.

Nice To Haves

• Familiarity with financial data or data platform products
• Experience in fintech, personal finance, or other trust-sensitive consumer domains
• Background at an organization known for strong product craft and high-velocity execution
• Experience at an early-stage or scaling startup where you were a hands-on builder

Responsibilities

• Own discovery, prioritization, and delivery on a high-leverage area of Monarch's product.
• Take end-to-end responsibility from identifying the opportunity through shipping and iterating in-market.
• Own the aggregation layer, working on bank connections, account sync, transaction normalization, and pipelines.
• Make consequential calls about data architecture, third-party provider tradeoffs, and reliability investments.
• Iterate on Core Product surfaces for clarity, reliability, and usefulness.
• Make complex, messy financial data feel simple and trustworthy.
• Own AI-powered experiences where Monarch helps users understand, act on, and proactively manage their money.
• Translate ambiguous problem spaces into clear priorities, explicit tradeoffs, and a sequenced path forward.
• Widen the team's thinking beyond the immediate ask and design for what comes next.
• Hold a high bar for craft, pushing beyond "does it work?" to "does it feel right?"
• Make decisions using quantitative data, qualitative research, and customer feedback.
• Communicate clearly, succinctly, and proactively across engineering, design, GTM, and leadership.
• Find and leverage new technologies, AI, and workflows that make the whole team sharper, faster, and better connected.

Benefits

• Work wherever you want! As a fully remote company with no central office, we want you to work wherever you are happiest and most productive. Whether that’s out of your home, a co-working space, or elsewhere.
• Competitive cash and equity compensation in a hyper growth, early stage company.
• Stipend to set-up your ideal working environment.
• Competitive Benefit Plans for employees based on your location (e.g. in the US we offer: Medical, dental and vision benefits and the ability to contribute to a 401k plan).
• Unlimited PTO.
• 3 day weekend every month! We take off the “First Friday” every month to focus on rest, recuperation, or just having fun!

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed