Principal Product Manager

Sofi; San Francisco, New York, Seattle (CA, NY, WA); On-site; USD 180,000 - 260,000; Full time

Job summary

United States Digital Space LLC in San Francisco is seeking a Principal Product Manager to own vision, strategy, and a multi-year roadmap for a strategic product area. You will work across engineering, design, data science, risk, and legal to align on priorities, invest in scalable solutions, and drive growth while managing risk.

As a senior leader, you will guide architecture decisions, oversee end-to-end delivery with P&L influence, balance long-term platform investments with near-term

Qualifications

• Bachelor's degree or higher, ideally in a technical, finance, or quantitative field.
• 8+ years of product management experience.
• Proven track record leading technically complex or highly strategic products at scale.
• Deep technical fluency and ability to collaborate with engineers, data scientists, and architects on trade-offs and design decisions.
• Demonstrated ability to balance long-term platform and product investments with near-term delivery needs.
• Strong cross-functional leadership skills, particularly with engineering, design, data science, security, compliance, legal, and analytics.
• Exceptional written and verbal communication skills, with the ability to simplify complexity for diverse stakeholders and present to C-level leadership.
• Experience owning end-to-end product delivery and P&L or key business outcomes.
• Comfort navigating ambiguity, trade-offs, and evolving constraints in a fast-paced environment.

Responsibilities

• Own and evolve the product vision, strategy, and multi-year roadmap for your product area.
• Break vision into phases, prioritize, and drive backlogs for launch with your dedicated engineering teams.
• Drive platform and product strategy focused on scalability, reliability, security, and regulatory compliance.
• Partner deeply with engineering to make critical architectural decisions and guide long-term investments.
• Engage with risk, compliance, legal, and security teams to align product capabilities with regulatory requirements.
• Define success metrics and rigorously measure performance, member impact, and business outcomes.
• Lead complex build-vs-buy evaluations, including vendor assessments and technology trade-offs.
• Lead experiments to validate hypotheses and measure impact on key outcomes like member outcomes, engagement, and revenue.
• Influence broader company strategy, mentor other product managers, and raise the bar for product craft across the organization.
• Communicate the vision, strategy, execution plan, and customer impact to all stakeholders, including the highest levels of leadership in the company.

Skills

Technical fluency

Cross-functional leadership

Communication skills

Product delivery

Strategic thinking

Problem-solving

Education

Bachelor's degree or higher

MBA or advanced degree

Job description

Employee Applicant Privacy NoticeWho we are:

Shape a brighter financial future with us.

Together with our members, we’re changing the way people think about and interact with personal finance.

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. Join us to invest in yourself, your career, and the financial world.The Role

the company is looking for a Principal Product Manager to lead one of our most strategic product areas. As a senior individual contributor and product leader, you'll set vision, define strategy, and drive execution on complex, high-impact initiatives that shape how our members borrow, save, spend, invest, and protect their money.

This role is inherently cross-functional. You will work closely with engineering, design, data science, marketing, operations, finance, risk, legal, compliance, and executive leadership to set strategy, prioritize features, secure resources, and execute. You'll bridge technical and business worlds to drive profitable business growth while managing risk, and you'll influence broader company strategy well beyond the boundaries of your immediate team.

As a product leader in our organization, you'll be expected to inspire with your vision and roadmap, set ambitious goals, be gritty, and be accountable to results. The specific team and product area will be scoped during the hiring process based on business needs and your background.

What you’ll do

• Own and evolve the product vision, strategy, and multi-year roadmap for your product area.


• Break vision into phases, prioritize, and drive backlogs for launch with your dedicated engineering teams.


• Drive platform and product strategy focused on scalability, reliability, security, and regulatory compliance.


• Partner deeply with engineering to make critical architectural decisions and guide long-term investments.


• Engage with risk, compliance, legal, and security teams to align product capabilities with regulatory requirements.


• Define success metrics and rigorously measure performance, member impact, and business outcomes.


• Lead complex build-vs-buy evaluations, including vendor assessments and technology trade-offs.


• Lead experiments to validate hypotheses and measure impact on key outcomes like member outcomes, engagement, and revenue.


• Influence broader company strategy, mentor other product managers, and raise the bar for product craft across the organization.


• Communicate the vision, strategy, execution plan, and customer impact to all stakeholders, including the highest levels of leadership in the company.

What you’ll need

• Bachelor's degree or higher, ideally in a technical, finance, or quantitative field.


• 8+ years of product management experience.


• Proven track record leading technically complex or highly strategic products at scale.


• Deep technical fluency and ability to collaborate with engineers, data scientists, and architects on trade-offs and design decisions.


• Demonstrated ability to balance long-term platform and product investments with near-term delivery needs.


• Strong cross-functional leadership skills, particularly with engineering, design, data science, security, compliance, legal, and analytics.


• Exceptional written and verbal communication skills, with the ability to simplify complexity for diverse stakeholders and present to C-level leadership.


• Experience owning end-to-end product delivery and P&L or key business outcomes.


• Comfort navigating ambiguity, trade-offs, and evolving constraints in a fast-paced environment.

Nice to have

• MBA or advanced degree in a technical, business, or quantitative field.


• Experience in fintech, financial services, payments, or other highly regulated industries.


• Experience with data-driven, personalized, or AI-powered consumer products.


• Experience building and mentoring high-performing product teams.


• Passion for helping members achieve financial independence and get their money right.

Compensation and Benefits

The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.

To view all of our comprehensiveand competitivebenefits, visit ourBenefits at the companypage!

the company provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.

The Company hires the best qualified candidate for the job, without regard to protected characteristics.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

New York applicants: Notice of Employee Rights

the company is committed to an inclusive culture. As part of this commitment, the company offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email [e-mail].

We are unable to accommodate remote work from Hawaii, Alaska or Puerto Rico at this time.

Internal Employees

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