Sr Director, Product Management, Merchant Capital

Fiserv•Sunnyvale, NY

5d•Onsite

About The Position

As the Senior Director of Product Management for Merchant Capital, you will define the overarching product vision and multi-year strategy to help SMBs manage cashflow for their businesses. You will lead, mentor, and grow a team of Product Managers dedicated to solving complex merchant cash flow and financing needs. Operating at the strategic intersection of fintech, commerce, and product growth, you will champion the end-to-end merchant lifecycle across all platforms (device, web, and mobile)—owning executive alignment, multi-generational roadmaps, and business performance metrics to reshape how merchants manage their financial health.

Requirements

10+ years of progressive Product Management experience in digital software, SaaS, or fintech environments.
4+ years of direct People Management experience successfully leading, mentoring, and scaling teams of Product Managers.
Proven experience defining product vision, building multi-year roadmaps, and successfully executing large-scale, complex product portfolios.
Hands-on product leadership in SMB lending, merchant financing, business cash flow tools, or embedded financial services.
Broad track record delivering seamless, unified user experiences across Web, iOS, Android, and/or point-of-sale hardware touchpoints.
Proven mastery in leveraging metrics, A/B testing, and financial modeling to influence executive decision-making and drive core business outcomes.
Exceptional communication and presentation skills with a history of driving alignment across matrixed engineering, business, and executive teams.
You must currently possess valid and unrestricted U.S. work authorization to be considered for this role. Individuals with temporary visas including, but not limited to, F-1 (OPT, CPT, STEM), H-1B, H-2, or TN, or any candidate requiring sponsorship, now or in the future, will not be considered for this role.

Nice To Haves

Direct experience evaluating Build vs. Buy vs. Partner frameworks and executing third-party financial platform integrations.
Deep expertise in the SMB POS, acquiring, or merchant payments ecosystem.
Experience scaling product operations within enterprise SaaS or fintech organizations.
Advanced degree (MBA, MS in Computer Science/Engineering) or equivalent practical experience.

Responsibilities

Define Multi-Year Strategy: Establish the strategic product vision, multi-generational roadmaps, and portfolio priorities for Clover’s Capital products and lending capabilities.
End-to-End Lifecycle Ownership: Drive the full product lifecycle from market discovery and opportunity sizing through launch, scale, and continuous optimization across web, mobile, and in-person POS channels.
Build executive-level business cases—including financial models, opportunity sizing, ROI analysis, and monetization strategies—to align capital and resource allocation behind high-impact growth initiatives.
Leverage deep data analytics, merchant feedback, and market research to identify structural cash flow friction and evaluate Build vs. Buy vs. Partner/Integrate expansion strategies.
Hire, manage, develop, and retain a high-performing team of Product Managers. Provide clear direction, foster career growth, and establish operational excellence across product squads.
Oversee and empower product managers in their daily execution—guiding sprint prioritization, backlog grooming, user story definition, and cross-functional dependency management without needing to act as a tactical Scrum Lead yourself.
Partner closely with executive leadership (C-suite, Business Unit Heads, Engineering VPs) to communicate vision, present progress against strategic KPIs, and secure cross-functional commitments across Product Marketing, Design, Data Science, and Operations.
Collaborate with Product Marketing, Sales, and Customer Success leadership to build comprehensive go-to-market and adoption strategies for major product rollouts.