Senior Product Builder, Merchant Onboarding

nabancard; United States; Remote; USD 122,000 - 180,000; Full time

Benefits offered by this job

Medical, Dental, & Vision Coverage

Flexible Paid Time Off

401(k) + Match

Mental Health Support & Well‑Being

Paid Maternity & Paternity Leave

Education Assistance

Company‑funded Lifestyle Spending

Job summary

North is seeking a Senior Product Builder for Merchant Onboarding to own build-from-scratch features, automate merchant intake, and real-time underwriting validation. You’ll work across strategy to rapid prototyping in sandbox environments, using AI tools and LLM APIs to speed discovery without waiting for full engineering cycles.

You’ll collaborate with merchants and sales partners to translate feedback into working solutions, maintain awareness of competitive POS innovations, and shape

Qualifications

• Bachelor's Degree (BA or BS) or equivalent experience.
• 8+ years of experience as a Product Manager, Product Engineer, Product Analyst, or similar technical product roles.
• High fluency with LLM APIs, prompt engineering, and AI‑assisted coding agents.
• Deep user empathy built through direct discovery with merchants and underwriting teams
• Strong technical fundamentals with proficiency in SQL, JavaScript, and REST/web APIs.
• Proven experience working with Agile software development teams.

Responsibilities

• Define, design, and build end‑to‑end proof‑of‑concept features for the Merchant Onboarding domain from start to finish without heavy design queues.
• Create technical specifications, wireframes, and schemas at a high level of technical depth including employee‑based permission rulesets, table mapping mockups, and modifier customizations allowing engineering teams to execute without translation delays.
• Author product evaluation criteria ("evals") prior to feature creation to systematically validate solutions and measure success.
• Conduct direct user discovery with merchants and sales partners to build high user empathy, rapidly converting feedback into working solutions within hours.
• Maintain awareness of competitor release cadences and point‑of‑sale innovations to ensure rapid feature delivery.
• Leverage modern LLM APIs and AI coding agents to accelerate product discovery, code generation, and functional prototyping.

Skills

LLM APIs / prompt engineering

AI‑assisted coding

Merchant discovery / user empathy

SQL

JavaScript

REST/Web APIs

Agile software development

Payments/fintech experience

Education

Bachelor's degree or equivalent

Tools

Jira

Job description

Senior Product Builder, Merchant Onboarding

North - Remote (US)

Let's go North, together.

Join our mission to build the largest suite of credit card processing and merchant services. It's one simple payment platform backed by the most diverse payment companies. From credit card processing to back-office management, North points the way to smarter, faster, and just plain better payment solutions.

Job Summary:

The Senior Product Builder, Merchant Onboarding is a hands‑on, builder‑first role focused on defining, designing, and prototyping features for the Merchant Onboarding domain. This person will be responsible for automating merchant intake and real‑time underwriting validation to eliminate onboarding bottlenecks.

This role bridges product strategy and execution by rapidly validating concepts, creating precise technical specifications, and building proof‑of‑concept features in sandbox environments without waiting for traditional design or full engineering cycles. By pairing deep technical fundamentals and AI tools with direct merchant discovery, the Senior Product Builder dramatically accelerates product velocity to keep North competitive in the evolving payment processing landscape.

By pairing deep technical fundamentals and AI tools with direct merchant discovery, the Senior Product Builder dramatically accelerates product velocity to keep North competitive in the evolving payment processing landscape.

What You'll Do:

• Define, design, and build end‑to‑end proof‑of‑concept features for the Merchant Onboarding domain from start to finish without heavy design queues.
• Create technical specifications, wireframes, and schemas at a high level of technical depth including employee‑based permission rulesets, table mapping mockups, and modifier customizations allowing engineering teams to execute without translation delays.
• Author product evaluation criteria ("evals") prior to feature creation to systematically validate solutions and measure success.
• Conduct direct user discovery with merchants and sales partners to build high user empathy, rapidly converting feedback into working solutions within hours.
• Maintain awareness of competitor release cadences and point‑of‑sale innovations (e.g., drive‑thru modes, dark mode UI, item grids, group ordering, barcode scanning, and hardware customizations) to ensure rapid feature delivery.
• Leverage modern LLM APIs and AI coding agents to accelerate product discovery, code generation, and functional prototyping.

What We Need From You:

• Bachelor's Degree (BA or BS) or equivalent experience
• 8+ years of experience as a Product Manager, Product Engineer, Product Analyst, or similar technical product roles.
• High fluency with LLM APIs, prompt engineering, and AI‑assisted coding agents.
• Deep user empathy built through direct discovery with merchants and underwriting teams
• Strong technical fundamentals with proficiency in SQL, JavaScript, and REST/web APIs.
• Proven experience working with Agile software development teams.

Knowledge, Skills & Abilities:

• Strong proficiency with Jira and modern product management software.
• Working familiarity with payment hardware ecosystems, including card readers, POS terminals, and kiosks
• Hands‑on native or cross‑platform iOS and Android mobile development experience.
• Product Owner Certification (CSPO, etc.) preferred.
• Payments or fintech industry experience is highly preferred.

What we offer:

We offer a comprehensive benefits package that enables our teams to live a life well lived, both personally and professionally. Some of our perks include:

• Medical, Dental, & Vision Coverage
• Flexible Paid Time Off
• 401(k) + Match
• Mental Health Support & Well‑Being Program
• Paid Maternity & Paternity Leave
• Education Assistance
• Company‑funded Lifestyle Spending Account

Salary Range: $122,000-$180,000, 5% annual bonus

Pay within this range varies by work location and on job‑related knowledge, skills, and experience. We look forward to discussing your salary expectations and our full total rewards offerings throughout the interview process.

Please note : North is a US‑based company and no sponsorship is available for this position at this time.

Who we are:

North, and our family of companies, are committed to helping entrepreneurs grow their businesses. As an end‑to‑end payment solutions company, we provide everything business owners need to get paid, whether they serve customers in a physical storefront, online, or both. We pride ourselves on being large enough to offer customized solutions to our enterprise‑level clients while remaining agile enough to take an award‑winning, hands‑on approach to personal service that our merchants won't find anywhere else.

Let's go North, together! Our most important resource is our people. Join our diverse team of innovators and do‑ers and make your mark on the future of payments technology. We're proud to offer benefits that help our team members further their overall well‑being through unique initiatives that are both personally and professionally fulfilling.

At North, we celebrate diversity and create an inclusive environment for everyone. We are an equal opportunity employer.

To learn more about North, and our family of companies, visit our