Senior Technical Product Manager, Banking Platform

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

📋 Description

• Take ownership of the banking platform roadmap encompassing accounts, deposits, cards, and lending on a unified ledger and account model.

• Assess core banking platforms and processors, perform vendor diligence, model costs and time-to-market, and aid in build-vs-buy decisions.

• Design account hierarchies, sub-ledgers, chart-of-accounts mappings, posting rules, holds, interest and fee accruals, and integrate with the general ledger.

• Define requirements for transfers, ACH, card issuing, network settlement, real-time rails, returns, reversals, exception handling, cutoff windows, and settlement reconciliation.

• Ensure comprehensive reporting, traceability, controls, reconciliation, balance attestation, and complete transaction history for Finance, audit, and regulatory bodies.

• Convert Compliance and Legal requirements into platform functionalities, including screening hooks, onboarding data, error resolution, disclosures, statements, and reporting.

• Lead migration planning, data mapping, parallel-run strategies, validation criteria, rollback plans, and phased cutover when necessary.

• Produce detailed technical specifications, API contracts, event schemas, data models, user stories, and release plans.

• Establish and monitor platform KPIs using SQL, including posting latency, reconciliation break rate, settlement accuracy, and failure rates.

• Identify technical risks, edge cases, race conditions, and dependencies proactively.

• Meet evolving regulatory and business deadlines even with incomplete information.

• Collaborate closely with Engineering, Finance, Compliance, Treasury, and Risk teams.

⛳️ Requirements

• A Bachelor’s or advanced degree in Engineering, Computer Science, or another technical field (mandatory).

• 5–10 years of product experience, including significant exposure to financial infrastructure.

• Proven ownership in ledgers, general ledger or balance and transaction systems; payment processing or money movement; card issuing; deposit, wallet or account platforms; lending platforms; or product work with processors, BaaS providers, or core banking vendors.

• Comfortable with double-entry accounting concepts, such as debits and credits, sub-ledgers, accruals, and reconciliation, or a readiness to learn them swiftly.

• Profound technical knowledge of APIs, event-driven architecture, idempotency, distributed system failure modes, batch versus real-time processing, and data flows.

• Strong SQL capabilities and the ability to query and interpret data independently.

• Experience collaborating directly with Compliance, Legal, Finance, or Treasury stakeholders.

• Ability to navigate ambiguity and make informed, documented decisions with incomplete information.

• Excellent written and verbal communication skills across engineering, Finance, and executive discussions.

• Practical familiarity with AI tools, data models, or generative AI applications.

• Preferred: direct experience with core banking platforms; core migration, conversion, or ledger replacement experience; experience in regulated financial institutions; familiarity with consumer finance regulations; experience with consumer credit, BNPL, card products, or bank-fintech sponsorship; third-party risk management, and vendor oversight experience.

🏝️ Benefits

• Salary range of $5,000–$8,000 per month gross in USD.

• Opportunity for remote work.

• Numerous opportunities for career advancement.