Senior Technical Product Manager, Banking Platform

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

📋 Description

• Take ownership of the banking platform roadmap that encompasses accounts, deposits, cards, and lending, all integrated into a unified ledger and account model.

• Assess core banking platforms and processors; lead vendor evaluation and perform build-versus-buy analyses.

• Design account hierarchies, sub-ledgers, chart-of-accounts mapping, posting rules, holds, interest and fee accrual, along with general ledger integration.

• Define requirements for transfers, ACH, card issuance and network settlements, real-time systems, returns, reversals, exception handling, cutoff times, and settlement reconciliation.

• Guarantee reporting, traceability, controls, reconciliation, balance attestation, and a comprehensive transaction history for Finance, audit, and regulatory purposes.

• Collaborate with Compliance and Legal teams to convert regulatory requirements into platform functionalities.

• Manage migration and cutover strategies, including data mapping, parallel operations, validation, rollback strategies, and phased cutover processes.

• Draft technical specifications, API agreements, event schemas, data models, user narratives, and release schedules.

• Create SQL queries, establish platform KPIs, and track posting latency, reconciliation discrepancies, settlement precision, and failure rates.

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

• Meet changing regulatory and business timelines even when faced with incomplete information.

⛳️ Requirements

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

• 5–10 years of product experience, with significant involvement in financial infrastructure rather than solely customer-facing aspects.

• Proven ownership in at least one of the following areas: ledgers/general ledger/balance and transaction systems; payment processing, orchestration, or money movement; card issuance or card program management; deposit, wallet, or account platforms; lending origination or loan servicing platforms; product roles at a processor, BaaS provider, or core banking vendor.

• Familiarity with double-entry accounting principles in software, or a strong desire to learn them swiftly.

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

• Proficient SQL skills and the capability to independently query and interpret data.

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

• Ability to navigate ambiguity and make well-documented decisions with incomplete information.

• Excellent written and verbal communication skills for interactions across engineering, Finance, and executive levels.

• Practical knowledge of AI tools, data models, or generative AI applications.

• Preferred: direct experience with core banking platforms, core migration/conversion or ledger replacement, licensed financial institutions, consumer finance regulation, consumer credit or BNPL, card products, bank-fintech sponsorship programs, and third-party risk management/vendor oversight.

🏝️ Benefits

• Competitive salary and performance-based bonuses.

• Comprehensive health, dental, and vision insurance.

• Generous paid time off and flexible working arrangements.

• Opportunities for professional development and continued education.

• Collaborative and innovative work environment.