Principal Product Manager, Commercial Banking

<div class="content-intro"><p><a href="https://www.sofi.com/sofi-employee-applicant-privacy-notice/" target="_blank"><strong>Employee Applicant Privacy Notice</strong></a></p> <p><strong>Who we are:</strong></p> <div> <p>Shape a brighter financial future with us.</p> <p>Together with our members, we’re changing the way people think about and interact with personal finance.</p> <p>We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. <strong>Join us to invest in yourself, your career, and the financial world.</strong></p> </div></div><p><strong><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">The Role: </span></strong></p> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">We’re building Commercial Banking from the ground up and are looking for a Principal Product Manager  to lead the strategy, roadmap, and delivery of our next-generation business banking platform.</span></p> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">This is a 0→1, company-level role responsible for defining how businesses move and manage money across modern rails — including Wires, ACH, FedNow, and emerging real-time/stablecoin settlement. You will set the vision, drive the roadmap and deliver the experiences and infrastructure that commercial clients need to run their businesses. </span></p> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">You’ll operate with high autonomy, influence executive strategy, and lead complex, regulated financial systems from concept through scale.</span></p> <p><strong><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">What you’ll do: </span></strong></p> <ul> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Define the multi-year product vision and roadmap for Commercial Banking</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Own and deliver client facing experiences and APIs and end-to-end platform: business accounts, payments rails (Wires, ACH, FedNow), treasury capabilities, and APIs</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Lead 0→1 product development from discovery through launch and scale</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Manage and grow a product team to drive roadmap and delivery as business scales</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Partner cross-functionally with Business, Engineering, Risk, Compliance, Treasury, Finance, Sales and Operations teams to bring product roadmap to life</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Translate regulatory and operational constraints into elegant product solutions</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Drive measurable outcomes: adoption, volume, reliability, cost efficiency, and risk performance</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Influence company strategy and mentor other PMs as a subject-matter expert in commercial banking</span></p> </li> </ul> <p><strong><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">What you’ll need: </span></strong></p> <ul> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Bachelor’s degree or higher, ideally in a technical, finance, or quantitative field.</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">10+ years of product management experience, with significant time in platform and B2B roles</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Experience building and growing teams of product managers</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Strong cross-functional collaboration and influence skills</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Excellent written and verbal communication skills, with the ability to simplify technical complexity for diverse stakeholders. Experience presenting to C-level leadership</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Direct experience building commercial/business banking or payments products</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Deep knowledge of Wires and ACH systems and operations</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Experience with FedNow or real-time payments (RTP)</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Experience launching regulated financial products at scale from within a Bank</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Entrepreneurial mindset, with proven track record leading ambiguous, cross-team 0→1 initiatives independently</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: 12pt;">Strong technical fluency with APIs, ledgers, and payments architectures</span><span style="font-size: 12pt;"> </span></span></p> </li> </ul> <p><strong><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Preferred Qualifications: </span></strong></p> <ul> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Stablecoin, tokenized deposits, or blockchain-based settlement experience</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Sponsor bank or Banking-as-a-Service experience</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Treasury, cash management, or reconciliation platform exposure</span></p> </li> <li style="font-size: 12pt; font-family: arial, helvetica, sans-serif;"> <p><span style="font-size: 12pt; font-family: arial, helvetica, sans-serif;">Experi