Senior Product Manager

Incedo; Florham Park (NJ); On-site; USD 140,000 - 190,000; Full time

Job summary

Incedo is seeking a Senior Product Manager – Digital Payments Networks in Florham Park, NJ to define the strategy and roadmap for next-generation digital payment capabilities, including real-time money movement and network integrations with ACH, Zelle, RTP, and FedNow. The role requires deep payments expertise and strong cross-functional influence across engineering, operations, fraud/risk, and compliance.

You will own product strategy, oversee integrations, translate business needs into precise

Qualifications

• 10+ years in product management for digital payment products.
• Hands-on with digital payment networks (Zelle, RTP, FedNow, ACH).
• Strong knowledge of payment rails, settlement, and regulation.
• Proven ability to lead Agile teams and deliver complex tech products.
• Experience writing clear requirements and acceptance criteria.
• Excellent communication and analytics.

Responsibilities

• Define strategy, roadmap, and execution for digital payments.
• Lead integrations with payment networks and ensure compliance.
• Translate business needs into requirements and prioritized backlog.
• Collaborate with engineering for sprint planning and releases.
• Oversee fraud, risk, and regulatory compliance across transactions.
• Manage end-to-end transaction lifecycle and platform stability.
• Lead cross-functional stakeholder collaborations and data-driven decisions.

Skills

Product management

Payments domain

Agile leadership

Stakeholder management

Job description

The Senior Product Manager – Digital Payments Networks will define and drive the strategy, roadmap, and execution of next‑generation digital payment capabilities, including real‑time money movement, P2P payments, and integrations with leading payment networks (e.g., ACH, Zelle, RTP, FedWire or FedNow). This role requires strong product leadership, deep payments expertise, and the ability to influence cross‑functional teams across engineering, operations, fraud/risk, and compliance.

Key Responsibilities

• Product Strategy — Develop and evolve the long‑term strategy and roadmap for digital payments, focusing on instant transfers, P2P capabilities, and emerging money‑movement experiences.
• Payment Network Integrations — Lead integrations with digital payment networks; oversee certification, rule compliance, and operational alignment.
• Requirements & Prioritization — Translate business needs into clear requirements, feature definitions, and prioritized roadmaps.
• Agile Execution — Partner with engineering to guide sprint planning, backlog refinement, and release execution.
• Fraud, Risk & Compliance — Ensure payment experiences meet regulatory, fraud, and risk standards across the transaction lifecycle.
• Transaction Lifecycle Management — Oversee end‑to‑end payment flows including authorization, posting, settlement, exceptions, and reconciliation.
• Stakeholder Leadership — Serve as the primary liaison across business, operations, customer support, and technology teams.
• Data‑Driven Decision Making — Define and track KPIs such as payment success rate, fraud loss rate, adoption, and transaction latency.
• Platform Stability — Support production stability, incident resolution, and continuous improvement initiatives.

Required Qualifications

• 9–10+ years of product management experience.
• Hands‑on experience with digital payment networks such as Zelle, RTP, FedNow, ACH, or comparable platforms.
• Strong understanding of payment rails, settlement processes, and financial regulatory frameworks.
• Proven ability to lead Agile teams and deliver complex, technical products.
• Experience writing clear requirements, functional specifications, and acceptance criteria.
• Exceptional communication, analytical thinking, and stakeholder management skills.

Preferred Qualifications

• Experience with banking core systems, payment orchestration engines, or API‑driven financial platforms.
• Certifications such as CSPO, PSPO, SAFe PM/PO, or equivalent.