Senior Product Manager

Payactiv•Milpitas, CA

6d•Onsite

About The Position

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

Requirements

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

Nice To Haves

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

Responsibilities

Serve as the voice of the customer, ensuring our products meet the needs of both workers and businesses by prioritizing usability, accessibility, and engagement
Define and execute a strategic roadmap that aligns with Payactiv’s mission and business objectives while keeping user needs at the forefront
Conduct user research, analyze data, and leverage customer feedback to identify pain points and opportunities for product improvement
Own the end-to-end product lifecycle, collaborating with design, engineering, compliance, and marketing teams to deliver seamless and impactful solutions
Work closely with stakeholders across the company, translating user needs into product requirements and ensuring alignment across teams
Ensure fintech products comply with financial regulations, security standards, and industry best practices while maintaining a seamless user experience
Identify emerging fintech trends, leverage AI/ML-driven personalization, and explore cutting-edge technologies to enhance product offerings
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

Benefits

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