Product Manager

Payactiv, Inc.; Milpitas (CA); On-site; USD 135,000 - 170,000; Full time

Benefits offered by this job

Health, dental, and vision coverage

401(k) matching

Unlimited PTO

Tuition assistance

Gym reimbursement

Office lunches

Hybrid schedule (Milpitas)

Paid family leave

Job summary

Payactiv, a fintech leader in earned wage access, is hiring a Product Manager to drive fintech products from concept to launch from our Milpitas, CA office. You will advocate for workers and employers, translate user needs into requirements, and collaborate across design, engineering, compliance, and GTM teams.

You will steward data-driven decisions, monitor KPIs, and explore AI-driven personalization and emerging fintech trends to improve engagement and outcomes for users.

Qualifications

• 2+ years of product management experience in fintech, payments, lending, or financial services.
• Care deeply about building user-centered financial wellness products.
• Use data to make decisions—but know when judgment and customer insight matter too.
• Know how to keep Agile, cross-functional product teams moving forward.
• Look for the win-win by balancing user goals and business goals.
• Communicate clearly, manage stakeholders well, and influence at every level.
• Are comfortable going deep with engineering teams on APIs, integrations, data flows, and mobile products.
• Understand fintech products, compliance, and the U.S. regulatory landscape.
• Are curious about emerging fintech technologies, including AI

Responsibilities

• Represent the voice of the customer through user research, product data, and direct feedback.
• Lead products from early ideas through launch, adoption, and continuous improvement.
• Bring design, engineering, compliance, and go-to-market teams together to deliver seamless and impactful solutions.
• Translate user needs into product requirements and keep teams aligned around what matters.
• Partner with Legal, Compliance, and Information Security to balance regulatory requirements and user experience.
• Explore emerging fintech trends, AI/ML-driven personalization, and other technologies that can improve products.
• Define success, track KPIs, and use insights to improve performance, engagement, and adoption.

Skills

Product management

Fintech

Agile

Data-driven decisions

Cross-functional collaboration

Stakeholder management

APIs & integrations

Regulatory awareness

AI familiarity

Tools

APIs

Integrations

Job description

Driven by Excellence. Powered by Curiosity. United in Obsession to Do Good.

At Payactiv, we believe everyone is worthy of financial dignity. Our team is built on a shared obsession to create products that reduce financial stress and improve lives. We thrive on curiosity, strive for excellence, and act with purpose every day. If you’re inspired to reimagine what’s possible for workers everywhere, explore our openings—or reach out and introduce yourself. There’s always room at the table for passionate problem-solvers.

Position: Product Manager Location: Milpitas, CA
Job Id:235 # of Openings:1

Who we are

We are Payactiv, a Fintech company in the heart of Silicon Valley, devoted to giving workers access to their earned wages when they need them. Payactiv is the pioneer and industry leader in Earned Wage Access. We are the only Certified B Corporation and Public Benefit Corporation in our industry. Our app provides millions with financial services that help them avoid debt, manage their finances, and regain flexibility to pay for things on their own schedule.

The Mission

American workers are not OK. A few not-so-fun facts:

• More than half of the workers in the US live paycheck-to-paycheck
• 40% of Americans would not be able to come up with $400 in an emergency
• There are more payday loan stores in the US—some charging interest rates upwards of 600%—than there are McDonalds restaurants

But there's hope. For workers on a tight budget, timing is everything. Getting paid promptly for hours worked instead of waiting for twice-monthly paychecks to arrive can mean the difference between building up an emergency fund or spiraling deeper into debt. That's where Payactiv comes in. Payactiv is a Certified B Corp that pioneered Earned Wage Access (EWA) in 2012. EWA allows workers to access the money they've earned in-between pay cycles (when their bills are actually due), helping them avoid late fees, overdraft fees, and the need for costly payday loans.

What we are looking for

Payactiv is looking for a Product Manager who wants to build fintech products that make a real difference in people’s lives. You’ll work from our Milpitas, CA office, tackling complex problems at the intersection of technology, financial services, and the everyday needs of workers and employers. You’ll probably enjoy this role if you are a strategic product leader, a strong customer advocate, and someone who knows how to bring people together to get things done.

What you will do

• Represent the voice of the customer through user research, product data, and direct feedback
• Lead products from early ideas through launch, adoption, and continuous improvement
• Bring design, engineering, compliance, and go-to-market teams together to deliver seamless and impactful solutions
• Translate user needs into product requirements and keep teams aligned around what matters
• Partner with Legal, Compliance, and Information Security to find the right balance between regulatory requirements and user experience
• Explore emerging fintech trends, AI/ML-driven personalization, and other technologies that can make our products better
• Define success, track the right KPIs, and use what you learn to improve performance, engagement, and adoption

What you need

• 2+ years of product management experience in fintech, payments, lending, or financial services
• Care deeply about building user-centered financial wellness products
• Use data to make better decisions—but know when judgment and customer insight matter too
• Know how to keep Agile, cross-functional product teams moving forward
• Look for the win-win by balancing user goals and business goals
• Communicate clearly, manage stakeholders well, and influence at every level
• Are comfortable going deep with engineering teams on APIs, integrations, data flows, and mobile products
• Understand fintech products, compliance, and the U.S. regulatory landscape
• Are curious about emerging fintech technologies, including stablecoin and AI

Bonus points for

• Experience with Earned Wage Access and/or payroll integrations
• Academic background in Computer Science, Engineering, or a related field
• Academic background in Finance, Banking, or a related field
• Genuine passion for financial inclusion and products with a positive social impact

What we offer

• The opportunity to do meaningful work at a mission-driven Certified B Corp
• Company-sponsored health, dental, and vision insurance, plus FSA
• Traditional and Roth 401(k) plans with company match
• Unlimited PTO, volunteer time off, and paid family leave
• Tuition assistance or reimbursement
• Monthly gym reimbursement
• Complimentary office lunches
• Hybrid schedule with four days per week in our Milpitas office
• Base salary range: $135,000 to $170,000, plus bonus

Working here has its perks

Certified good guys

Payactiv is a certified B-Corp and Public Benefit Corporation. Not only are we dedicated to conducting business with the highest standards, it’s our legal commitment.

Make it meaningful

Our purpose is to help lower income workers reduce financial stress and improve wellbeing. Your work here would impact millions of people every single day.

Culture is key

We have a highly collaborative and lively environment. Join monthly team bonding events, workout groups, interest groups, or the dance party in the marketing office.

We want you to excel

We encourage team members to attend events, find online courses, and explore their creative ideas. Ask about our education reimbursement programs.

We got you covered

We offer our employees health, dental, and vision coverage with a medical expense card to cover most co-pays. We also offer a monthly internet and cell phone reimbursement.

Payactiv is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all team members.