Lead Fintech Product Manager, SMB Banking Platform

Gusto; San Francisco (CA); On-site; USD 210,000 - 260,000; Full time

Benefits offered by this job

Competitive base pay

Equity (RSUs)

Job summary

Gusto is hiring a Product Manager with 7+ years in fintech to own banking-related workstreams, from identity verification to funding and payments. You’ll lead growth, run experiments end-to-end, and partner with Risk, Legal, and Compliance to ensure compliant, customer-centric banking features within Gusto’s payroll ecosystem.

You’ll thrive in a fast-paced, ambiguity-tolerant environment, shipping durable solutions that scale for small businesses and evolve with evolving regulations and

Qualifications

• Has a bias toward action, comfort with ambiguity, and a strong sense of ownership.
• Has 7+ years of product management experience in fintech, banking, or adjacent industries.
• Brings hands-on familiarity with business banking, BaaS platforms, deposit products, or money movement rails — bonus for experience with KYB/onboarding flows, ledgering, or partner bank relationships.
• Thrives in 0→1 environments and knows how to take a product from pre-beta to launch with limited resources.
• Has run a real experimentation practice — hypothesis, test design, readout, decision — and knows how to learn from directional signal when a new product doesn't yet have the volume for statistical significance.
• Understands the regulatory and operational complexity of banking products and can partner effectively with Risk, Legal, and Compliance teams.

Responsibilities

• Own and deliver core workstreams spanning small business banking - application and identity verification, account linking, funding, payments, cards, ongoing servicing, and exposing these products/capabilities on surfaces a customer wishes to engage.
• Own growth and adoption end to end from acquisition through funded, active account, and then run continuous experimentation across the funnel.
• Take responsibility for the business outcomes of your workstream as a true owner.
• Be the fintech infrastructure and payments expert that reliably untangles complexity and ships durable systems.
• Use Gusto's unique payroll ecosystem to build banking features unique to our positon in the ecosystem
• Define how banking connects to the rest of the Gusto platform, making the account the default funding source for how a business operates.

Skills

Product management

Fintech experience

Ownership

Ambiguity tolerance

Tools

AI tools

KYB onboarding flows

Banking APIs

Job description

Gusto is hiring a Product Manager with 7+ years in fintech to own banking-related workstreams, from identity verification to funding and payments. You’ll lead growth, run experiments end-to-end, and partner with Risk, Legal, and Compliance to ensure compliant, customer-centric banking features within Gusto’s payroll ecosystem.

You’ll thrive in a fast-paced, ambiguity-tolerant environment, shipping durable solutions that scale for small businesses and evolve with evolving regulations and