Product Team Lead, Digital Banking

Dingoblu Financial Inc • Charlotte, NC

10d • Onsite

About The Position

The Product Team Lead, Digital Banking leads product direction and delivery for the company’s digital banking offering. This is a hands-on individual-contributor role without direct reports initially, with a potential path to people management as the team grows. The role works with leadership to prioritize implementation, maintain project plans, and support roadmap development, collaborating across engineering, design, compliance, operations, and other business partners to deliver customer-focused products and support sustainable growth.

The position owns retail product backlogs, priorities, and delivery timelines; supports roadmap and feature prioritization; and represents the customer in product decisions. It also contributes competitive, pricing, and product-performance insights, supports vendor and fintech partner relationships, and works with Legal, Risk, and Compliance to incorporate regulatory and information-security requirements into product planning.

The role is on-site at company headquarters, Monday through Friday, 8:00 AM to 5:00 PM. Occasional evening or weekend work may be needed around launches, regulatory deadlines, or partner milestones. Some travel may be required for conferences and partner meetings.

Requirements

• At least 4 years of product management experience in banking, financial services, or fintech, including leading projects, workstreams, or cross-functional initiatives.
• Solid understanding of banking products such as deposit accounts, payments, debit and credit cards, lending, and digital banking platforms.
• Experience delivering products in a regulated environment.
• Ability to partner with and influence engineering, design, compliance, risk, operations, and marketing.
• Strong written and verbal communication skills, including presenting updates to leadership.
• Strong organizational skills and ability to manage multiple priorities.
• Comfort with ambiguity and initiative to drive results.
• Bachelor's degree in Business, Finance, Computer Science, Economics, or a related field.

Nice To Haves

• Experience at a neobank, digital bank, or innovative fintech.
• Familiarity with core and fintech platforms such as Galileo, FIS, Fiserv, Jack Henry, Plaid, or Stripe.
• Consumer-facing digital product experience with measurable impact on engagement or conversion.
• Working knowledge of retail banking regulations, including CFPB, OFAC, Reg E, Reg Z, BSA/AML, and SOC2.
• Product analytics skills, including A/B testing, KPI dashboards, or SQL/BI tools.
• Interest in growing into a people management role as the team scales.
• MBA or advanced degree.
• Product certifications such as Pragmatic Institute, AIPMM, or CSPO.

Responsibilities

• Own the backlog, priorities, and delivery timeline for retail products.
• Research vendors and work with engineers to determine whether to buy or build products, features, and services.
• Lead cross-functional working sessions and align engineering, design, compliance, and operations.
• Track project plans, identify risks early, and escalate when needed.
• Define OKRs and KPIs and report progress against them.
• Share product best practices and informally mentor teammates on product craft and process.
• Support leadership in defining the product roadmap.
• Prioritize features and enhancements based on customer needs, business goals, regulatory requirements, and technical feasibility.
• Coordinate with engineering, design, operations, and marketing to ensure timely, high-quality releases.
• Represent the voice of the customer in planning and product decisions.
• Partner with UX and Design on intuitive, accessible web and mobile experiences.
• Use usability testing, customer feedback, and product analytics to identify friction and prioritize improvements.
• Monitor the competitive landscape, including neobanks, traditional banks, and fintechs.
• Contribute competitive insights and pricing and fee inputs to leadership.
• Support analysis of how product changes affect engagement, conversion, and revenue.
• Serve as the day-to-day product contact for fintech partners, processors, and vendors involved in new product implementation.
• Support vendor assessments, including RFP/RFI input and ongoing performance tracking.
• Partner with Legal, Risk, and Compliance to ensure products meet applicable regulations.
• Build compliance and information-security requirements into planning from the start.

Benefits

• Real ownership with visible impact on products customers use every day.
• A clear path to people leadership as the team grows.
• A collaborative, high-performance team that values bold thinking and bias for action.
• A fast-moving environment where ideas are heard and work ships.
• Exposure to the future of digital banking and fintech.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level