Principal Product Manager

This is a fully remote position, open to applicants in United States.

📋 Description

• Take the lead on assigned payment platforms, product domains, strategic initiatives, and operational responsibilities independently.

• Collaborate with the Director of Product Management to delineate portfolio ownership, clarify decision-making rights, balance workloads, and ensure a cohesive product strategy.

• Act as the representative for Product in executive and cross-functional discussions.

• Maintain up-to-date operating playbooks, decision logs, stakeholder maps, ownership matrices, delegated authority records, cross-training plans, and secondary coverage to ensure succession readiness.

• Offer functional leadership, coaching, and establish standards for Product Managers and Business Analysts.

• Formulate product vision, multi-quarter roadmaps, measurable objectives, and investment recommendations.

• Gain insights into customer, partner, market, operational, and support needs through interviews, workflow observations, data analysis, sales feedback, service trends, and competitive evaluations.

• Identify target users, use cases, value propositions, adoption objectives, service impacts, and measurable business outcomes.

• Collaborate with Sales, Marketing, Finance, Operations, and Customer Support on business cases, pricing and packaging insights, launch readiness, customer communication, adoption strategies, and post-launch performance evaluation.

• Prioritize demand and recommend product capacity allocation across strategic initiatives, customer commitments, regulatory obligations, security remediation, operational support, technical debt, and modernization efforts.

• Work alongside Technology leadership regarding engineering capacity, architectural dependencies, vendor constraints, delivery risks, and release sequencing.

• Oversee the intake, discovery, analysis, review, approval, traceability, and change control of product requirements.

• Keep comprehensive product decision records, business rules, system behaviors, platform and integration dependencies, workflow documentation, roadmap assumptions, release history, and ownership records.

• Ensure traceability from approved business needs through requirements, implementation, testing, release, production validation, and outcome measurement.

• Manage a well-organized, groomed, traceable, and delivery-ready backlog, transforming priorities into sequenced backlogs, release objectives, milestones, requirements, and acceptance criteria.

• Facilitate scope and change control, clarify requirements, evaluate deliverables, and coordinate product decisions with internal, offshore, nearshore, and third-party delivery partners.

• Establish product and business release criteria, coordinate readiness, and confirm post-release business behavior and outcomes.

• Oversee product responsibilities across VCI’s Legacy, ACHWorks, and Veer platforms.

• Manage requirements throughout ACH transaction lifecycles, including clearing, settlement, returns, exceptions, reconciliation, reporting, merchant onboarding, partner integrations, and associated workflows.

• Transform NACHA, regulatory, risk, compliance, and sponsor-bank interpretations into product requirements and acceptance criteria.

• Collaborate with Architecture and Technology on modernization plans, sequencing, readiness, rollback, and retirement criteria.

• Integrate security remediation, regulatory obligations, and risk-treatment priorities into product planning and backlog management.

• Maintain audit-ready product records and coordinate approval, testing, exception, and post-release evidence.

• Define business and customer impact, identify workarounds, and prioritize remediation; oversee issue triage and corrective actions.

• Approve product requirements, acceptance criteria, backlog sequencing, product readiness, and routine portfolio decisions within assigned domains and delegated limits.

• Escalate significant regulatory interpretations, contractual commitments, budget decisions, architectural or security exceptions, production change approvals, and enterprise-risk acceptance.

⛳️ Requirements

• Over 8 years of progressive experience in Product Management, payment platforms, financial technology, or related product leadership roles.

• Proven ownership of complex regulated products from discovery to production operation.

• Extensive knowledge of ACH processing, transaction lifecycles, returns, exceptions, settlement, reconciliation, controls, operational workflows, and partner integrations.

• Ability to independently lead significant product domains, represent Product to executives, resolve cross-functional conflicts, and ensure continuity in a complex operational landscape.

• Experience in developing product strategy, roadmaps, business cases, requirements, process models, user stories, acceptance criteria, KPIs, and evidence-based prioritization decisions.

• Proficiency in understanding API documentation, REST APIs, webhooks, event-driven integrations, data models, service dependencies, logs, and scenarios involving distributed-system failures.

• Familiarity with Jira, Confluence, or similar product, requirements, and knowledge-management platforms.

• Experience with Agile or Scrum delivery methodologies.

• Proven ability to lead internal and distributed delivery partners within structured SDLC, change-management, audit, security, and regulatory-control frameworks.

• Exceptional skills in executive communication, facilitation, documentation, analysis, decision-making, and influencing.

• NACHA Accredited ACH Professional certification is preferred.

• Prior leadership experience across multiple payment or banking platforms, including modernization, migration, product rationalization, or vendor transition is preferred.

• Experience with payments risk, fraud, underwriting, billing, reconciliation, reporting, merchant onboarding, processors, sponsor banks, or ISVs is preferred.

• Familiarity with SOC examinations, IT general controls, vulnerability-remediation governance, and audit evidence is preferred.

🏝️ Benefits

• Competitive employer contribution towards medical, dental, and vision coverage.

• 401k plan with employer matching.

• Flexible Spending Accounts (FSA) and Dependent Care Accounts.

• Employee Assistance Program (EAP).

• Employer-sponsored Calm subscription.

• Employer-provided mental health benefits through Teladoc.

• Life, AD&D, and disability insurance.

• Minimum of 10 days of vacation.

• 6 paid federal holidays.

• 5 paid personal days per year.

• Access to an online discount program.

• Tuition Reimbursement Program.