Senior Product Manager

Payactiv; Milpitas (CA); On-site; USD 150,000 - 210,000; Full time

Benefits offered by this job

Health, Dental, Vision insurance

401K with company match

Tuition assistance/reimbursement

Monthly gym reimbursement

Paid time off to volunteer

Paid Family Leave

Unlimited Paid Time Off

Complimentary office lunches

Impact-driven mission: B Corp

Job summary

Payactiv, Inc. in Milpitas, CA, is seeking a Senior Product Manager to lead fintech product strategy and delivery from our Milpitas office. The role emphasizes customer advocacy, cross-functional collaboration, and delivering superior user experiences with a strong technical grounding.

You will partner with design, engineering, compliance, and marketing to define roadmaps, conduct market research, and track KPIs, while shaping products used by workers and employers nationwide.

Qualifications

• 5+ years in product management within fintech, payments, lending, or financial services.
• User-first mindset focused on financial wellness and accessibility.
• Strong analytical and problem-solving skills with a data-driven approach.
• Experience with Agile, cross-functional teams, and iterative development.
• Advocate for workers and employers while balancing business objectives.

Responsibilities

• Champion the worker, employer, and partner experiences by voicing customer needs and prioritizing usability, accessibility, and engagement.
• Define and execute a strategic product roadmap aligned with Payactiv’s mission and objectives while centering user needs.
• Conduct user research and analyze data to identify pain points and opportunities for product improvement.
• Own end-to-end product lifecycle, collaborating with design, engineering, compliance, and marketing to deliver impactful solutions.
• Lead cross-functional teams and translate user needs into product requirements across the organization.
• Ensure fintech products comply with financial regulations and security standards while maintaining a seamless UX.
• Identify fintech trends, explore AI/ML-driven personalization, and leverage new technologies.
• Define success metrics and KPIs; iterate based on data insights to optimize engagement and adoption.
• Collaborate with product management team members in Asia to drive alignment and execution.

Skills

Product management

Fintech domain knowledge

Cross-functional leadership

Data analysis

Agile methodologies

User advocacy

API-based products

Regulatory/compliance understanding

AI/ML awareness

Communication

Education

Bachelor's degree

Computer Science background

Tools

APIs

Job description

Payactiv is seeking a Senior Product Manager based in our Milpitas CA office, who is passionate about creating meaningful fintech solutions that empower workers and employers alike. This role requires a strategic thinker and customer advocate who thrives in a fast-paced environment and excels at cross-functional collaboration. The ideal candidate will have a strong technical background, a deep understanding of financial products, and a relentless focus on delivering exceptional user experiences.

Who we are…

Payactiv, Inc. is a leading financial technology company revolutionizing the way workers access and manage their earnings. As the pioneer of Earned Wage Access (EWA), we empower workers with real-time financial flexibility while enabling businesses to improve workforce engagement and productivity. Our mission is to provide inclusive financial wellness solutions that improve the lives of millions of workers.

What you will do…

• Champion the worker, employer, and partner experiences: Serve as the voice of the customer, ensuring our products meet the needs of both workers and businesses by prioritizing usability, accessibility, and engagement
• Product Strategy & Vision: Define and execute a strategic roadmap that aligns with Payactiv’s mission and business objectives while keeping user needs at the forefront
• Data-Driven Insights & Market Research: Conduct user research, analyze data, and leverage customer feedback to identify pain points and opportunities for product improvement
• Product Development & Execution: Own the end-to-end product lifecycle, collaborating with design, engineering, compliance, and marketing teams to deliver seamless and impactful solutions
• Cross-Functional Leadership: Work closely with stakeholders across the company, translating user needs into product requirements and ensuring alignment across teams
• Regulatory & Compliance: Ensure fintech products comply with financial regulations, security standards, and industry best practices while maintaining a seamless user experience
• Technology & Innovation: Identify emerging fintech trends, leverage AI/ML-driven personalization, and explore cutting-edge technologies to enhance product offerings
• Define Success Metrics: Establish and track KPIs to measure product performance, iterate based on data insights, and optimize user engagement and adoption
• Collaborate efficiently and effectively with product management team members in Asia

What you need…

• 5+ years of product management experience in fintech, payments, lending, or financial services
• User-first mindset, with a deep commitment to designing products that enhance financial wellness and accessibility
• Strong analytical and problem-solving skills, with a data-driven approach to decision-making
• Experience working with Agile methodologies, cross-functional teams, and iterative product development
• Proven ability to advocate for workers and employers, balancing business objectives with user satisfaction
• Excellent communication and stakeholder management skills, with the ability to influence at all levels
• Technical proficiency, with the ability to collaborate effectively with engineering teams on API-based and mobile-first products
• Deep understanding of financial products, compliance, and regulatory landscapes in the U.S. fintech space
• Bachelor’s degree required; a background in Computer Science or related technical field is a plus
• Experience in Earned Wage Access (EWA), payroll integrations, embedded finance, or digital banking is preferred
• Technical background (Computer Science, Engineering, or related field) to facilitate better collaboration with developers
• Familiarity with AI, ML, and data-driven personalization in fintech products
• Passion for financial inclusion and social impact-driven products

What we offer…

• Company sponsored Health, Dental, and Vision insurance
• 401K, traditional, and Roth with company match
• Tuition Assistance or Tuition Reimbursement
• Monthly Gym Reimbursement
• Paid time off to volunteer
• Paid Family Leave
• Unlimited Paid Time Off
• Complimentary office lunches
• Impact-Driven Mission: Be part of a Certified B Corp genuinely dedicated to improving financial wellness for millions of workers
• User-Centric Culture: Build products that genuinely improve people’s lives by prioritizing user experience and accessibility
• Fast-Growing Fintech: Work in a dynamic environment at the forefront of financial innovation
• Career Growth: Take on high-impact responsibilities with ample opportunities for leadership and advancement