Product Manager- Banking Products

DingoBlu Financial, Inc.; Charlotte (NC); On-site; USD 110,000 - 140,000; Full time

Job summary

DingoBlu Financial, Inc. in Charlotte, NC is seeking a Product Manager to own the banking product portfolio, driving vision, roadmap, and cross-functional execution in a fast-paced fintech environment.

You will partner with the Executive team to define strategy, lead engineering, design, risk and compliance, and deliver customer-centric digital banking solutions that outpace competitors and fuel sustainable growth.

Qualifications

• 5+ years of product management experience in banking/financial services or fintech.
• Deep understanding of banking products including deposits, lending, payments, cards, and digital banking.
• Proven ability to develop and execute product strategy and roadmaps in a regulated industry.
• Experience conducting competitive analysis and translating insights into product decisions and positioning.
• Strong understanding of pricing models, revenue mechanics, and financial drivers of banking products.

Responsibilities

• Own end-to-end banking product roadmap from ideation through launch and iteration.
• Define and prioritize features based on customer needs, goals, regulations, and feasibility.
• Collaborate with engineering, design, risk, compliance, operations, and marketing to deliver high-quality products.
• Develop and execute pricing and revenue strategies for banking products.
• Partner with fintechs and vendors to accelerate time-to-market and scale product capabilities.

Skills

Product management

Banking products

Pricing strategy

Roadmap planning

Vendor management

Cross-functional leadership

Education

Bachelor's degree in Business/Finance/CS/Economics

MBA

Tools

Core banking platforms

Fintech partnerships

Job description

Product Manager – Banking Products

Customer-Centric │ Strategy-Driven │ Results-Oriented

Location

On-Site │ Charlotte, NC (Company HQ)

Experience Required

5+ Years in Banking / Financial Services Product Management

People Manager

Yes (Cross-Functional Teams)

Reports To

TBD

Classification

Full-Time, Exempt

About the Role

We are seeking a highly motivated and experienced Product Manager to own and drive all aspects of our banking product portfolio. This is a high-impact, highly visible role at the intersection of strategy, technology, and customer experience. You will work with the Executive team to set the vision, define the roadmap, and guide cross-functional teams to deliver banking solutions that delight customers, outpace competitors, and generate sustainable business growth.

This is not a passive role. You will be expected to think like an owner, move with urgency, and balance long-term strategic vision with near‑term execution. You thrive in a fast‑paced environment, know how to navigate complexity, and bring clarity to ambiguity. If you are energized by solving real financial problems for real people — and have the track record to prove it — this role was made for you.

What You’ll Own

Competitive Intelligence & Market Positioning

• Continuously monitor the competitive landscape, including traditional banks, credit unions, neobanks, PFM(s) and fintech disruptors.
• Conduct in-depth competitive analyses and translate findings into actionable product strategy and differentiation opportunities.
• Develop and maintain compelling positioning frameworks that clearly articulate our value proposition to customers, partners, and stakeholders.
• Identify market gaps and emerging trends to influence product investment decisions.

Product Strategy & Roadmap

• Own the end-to-end banking product roadmap — from ideation through launch and iteration.
• Assist with defining and prioritizing features and enhancements based on customer needs, business goals, regulatory requirements, and technical feasibility.
• Collaborate with cross-functional teams to drive timely, high‑quality product delivery.
• Develop & execute strategy for utilizing rewards and perks to entice sales, strengthen loyalty and promote the use of our card programs.
• Establish clear OKRs and KPIs for each product area and hold teams accountable to outcomes.

Pricing & Revenue Strategy

• Design and manage competitive, customer-friendly pricing models for banking products including deposit accounts, checking accounts, cards, payment services and other products as may be needed.
• Develop and maintain pricing models of all products.
• Model revenue impact of pricing changes and new product structures.
• Evaluate fee structures, interest rates, and incentives (perks) to optimize customer acquisition, loyalty and profitability.
• Understand and optimize strategic product design impacts on unit P&L.

User Experience & Customer Journey

• Champion the voice of the customer at every stage of the product lifecycle.
• Partner with UX/Design to create intuitive, accessible, and engaging digital banking experiences across web and mobile.
• Drive usability testing, customer research, and journey mapping to surface friction points and prioritize improvements.
• Ensure our banking products meet or exceed the expectations of today’s digitally savvy consumers.

Partner & Vendor Identification

• Identify and evaluate relationships with key fintech partners, core processors, payment networks, and technology vendors.
• Assist with vendor selection processes including RFP/RFI, due diligence, contract negotiation, and ongoing performance management.
• Assist with building a strategic partner ecosystem that accelerates product capabilities and reduces time-to-market.
• Stay current on emerging technology providers and partnership models relevant to digital banking.

Regulatory & Compliance Awareness

• Partner with Legal, Risk, and Compliance teams to ensure all banking products adhere to applicable regulations (CFPB, FDIC, BSA/AML, TILA, etc.).
• Proactively anticipate regulatory changes and incorporate compliance requirements into the product roadmap.
• Consider Info Security, Compliance and Risk Management as a baseline of all product decisions.

What We’re Looking For

Required

• 5+ years of product management experience in banking, financial services, or fintech, with demonstrated ownership of banking‑specific products.
• Deep understanding of banking products including, but not limited to, deposit accounts, lending, payments, debit/credit cards, and digital banking platforms.
• Proven ability to develop and execute product strategy and roadmaps in a regulated industry.
• Experience conducting competitive analysis and translating insights into clear product decisions and positioning.
• Strong understanding of pricing models, revenue mechanics, and the financial drivers of banking products.
• Ability to partner with and influence cross‑functional teams including engineering, design, compliance, risk, operations and marketing.
• Demonstrated vendor and partner management experience.
• Excellent written and verbal communication skills; ability to present to executive leadership and external partners.
• Self-starter mentality — comfortable operating in ambiguity, setting direction, and driving results without being told what to do.
• Exceptional organizational skills with the ability to juggle multiple competing priorities without dropping the ball.

Preferred

• Experience at a digital bank, neobank, or innovative fintech company.
• Familiarity with core banking platforms (e.g., Galileo, FIS, Fiserv, Jack Henry) and modern fintechs (Plaid, Stripe, Sardine, Atomic, etc.).
• Background in consumer‑facing digital product management with measurable impact on engagement or conversion.
• Knowledge of regulatory frameworks governing retail banking (CFPB guidelines, OFAC, Reg E, Reg Z, BSA/AML, SOC2).
• MBA or advanced degree in Finance, Business, Computer Science, or related field.

Domain Expertise We Value

Domain

Relevant Skills & Tools

Product Strategy Roadmap Planning, OKRs, Competitive Benchmarking, Market Sizing

Banking Products Checking/Savings Accounts, Loans, Cards, Payments, Digital Wallets, Crypto Currencies, Rewards Program

User Experience Journey Mapping, Usability Testing, Design Thinking, Wireframing

Pricing & Positioning Fee Structures, Rate Modeling, Value Prop Development

Partner & Vendor Mgmt Core Processors, Reward/Perk Partners,Fintechs, Card Networks, Compliance Partners

Analytics & Data Product Analytics, A/B Testing, KPI Dashboards, SQL/BI Tools

Education

• Bachelor’s degree in Business, Finance, Computer Science, Economics, or a related field.
• MBA or equivalent advanced degree strongly preferred.
• Relevant product management certifications (e.g., Pragmatic Institute, AIPMM, CSPO) are a plus.

Work Environment

This is an on‑site position based at our company headquarters. Standard hours are Monday through Friday, 8:00 AM to 5:00 PM. The nature of banking product management means occasional evening or weekend work may be required around key launches,