Product Operations Lead – Financial Services

Wave HQ; California; Hybrid; USD 65,000 - 97,000; Full time

Job summary

Wave HQ is seeking an experienced Operations Owner for a defined product line (Refund Transfer, Emerald Card & Spruce, Lending, or Wave) in California. You will own day-to-day execution and drive change delivery, partnering with Product Directors, Operations leaders, and Technology teams to implement new features and enhancements.

You will translate product requirements into concrete operational plans, run end-to-end product launches, and lead testing, validation, and procedure documentation to

Qualifications

• Bachelor’s degree in a related field or equivalent through work experience.
• 3+ years of banking, financial services, operations, or lending experience.
• Strong experience in financial services, fintech, or regulated operational environments.
• Solid understanding of product operations lifecycles, including implementation, change management, testing, and ongoing support.
• Proven ability to execute complex changes, manage dependencies, and work across multiple teams.
• Experience with operational testing, audit support, controls, or quality assurance.
• Strong analytical and problemsolving skills, with attention to detail and ownership mindset.
• Ability to document processes clearly and think end-to-end across systems and functions.

Responsibilities

• Serve as the primary operations owner for an assigned product line, responsible for day-to-day execution and change delivery.
• Partner with Product Directors, Operations leaders, and Technology teams to implement new products, enhancements, and operational changes.
• Translate product requirements into operational execution plans, including workflows, readiness checklists, dependencies, risks, and timelines.
• Execute and support end-to-end product launches and changes, ensuring operational readiness across systems, processes, documentation, controls, and downstream impacts.
• Lead operational testing and validation efforts for your product, including functional testing, end-to-end scenario testing, and quality checks.
• Own and maintain product-specific operating procedures, ensuring documentation is accurate, current, and consistently followed.
• Identify opportunities for automation, tooling improvements, and process efficiencies, partnering with your manager and cross-functional teams to drive execution.
• Build and execute operational monitoring and audit routines, including controls, reconciliations, exception tracking, and issue remediation.
• Act as a subject matter expert for your product’s operations, supporting issue resolution, root cause analysis, and escalations as needed.
• Provide clear updates and insights to leadership on readiness status, risks, defects, and outcomes related to product changes.

Skills

Banking/fintech experience

Analytical thinking

Cross-functional collaboration

SQL

Power BI

Regulatory/compliance awareness

Operational problem solving

Education

Bachelor’s degree or equivalent work experience

Tools

SQL

Power BI

Job description

Wave HQ is seeking an experienced Operations Owner for a defined product line (Refund Transfer, Emerald Card & Spruce, Lending, or Wave) in California. You will own day-to-day execution and drive change delivery, partnering with Product Directors, Operations leaders, and Technology teams to implement new features and enhancements.

You will translate product requirements into concrete operational plans, run end-to-end product launches, and lead testing, validation, and procedure documentation to