Senior Product Manager, Banking

CLERA; New York (NY); Hybrid; USD 160,000 - 200,000; Full time

Job summary

Clera Labs, Inc. is seeking a Sr Product Manager to lead a core banking product area in a Series C fintech serving small businesses. You will shape experiences across deposits, payments, card workflows, and platform reliability.

Collaborate with Engineering, Design, and Risk to deliver secure, compliant features. You will own strategy, define metrics, and drive adoption while partnering with banking partners and vendors to optimize multi-product journeys.

Qualifications

• 5–15 years of product management experience.
• Strong experience with non-card payments and money movement (ACH, wire, RTP).
• Understanding of payment rails and ACH return reasons.
• Banking product experience and familiarity with backend systems.
• Experience with agentic tooling.

Responsibilities

• Own product strategy, roadmap, and execution across deposits, money movement, cards, and banking infra.
• Improve end-to-end experiences for account opening, funding, deposits, ACH, wires, transfers, bill pay, and card transactions.
• Partner with Engineering on ledger, payment rails, and card systems.
• Define success metrics and ship reliable, secure features with Engineering and Design.
• Incorporate risk, fraud, security, and regulatory needs with Risk and Legal.
• Manage product relationships with banking partners and third-party vendors.
• Track activation, engagement, retention, and reliability metrics.

Skills

Senior PM

Payments experience

ACH & wires

Card payments

Backend familiarity

Agentic tooling

Job description

About the Role

Lead a core banking product area at a Series C fintech serving small businesses. You will shape payment experiences, account services, platform reliability, and customer security, making complex financial products simpler and more trustworthy.

What You'll Do

• Own product strategy, roadmap, and execution across deposit accounts, money movement, cards, and banking infrastructure.

• Improve the end-to-end experience for account opening, funding, deposits, ACH, wires, transfers, bill pay, and card transactions.

• Partner with Engineering on the ledger, payment rails, and card systems that power these experiences.

• Use customer research and usage data to identify opportunities through a rigorous, cohort-based discovery process.

• Write clear product specifications, define success metrics, and ship reliable, secure features with Engineering and Design.

• Build risk, fraud, security, and regulatory needs into product development in partnership with Risk, Compliance, and Legal.

• Manage product relationships and integrations with banking partners and third-party vendors.

• Track activation, engagement, retention, multi-product adoption, and reliability metrics.

What We're Looking For

• Product management experience appropriate to a senior role, with the source indicating a 5 to 15 year experience range.

• Strong experience with non-card payments and money movement, including ACH, wire transfers, or RTP.

• Practical understanding of payment rails and ACH return reasons; card payments experience alone is not sufficient.

• Demonstrated banking product experience, including familiarity with backend systems and collaboration with backend engineers.

• Experience working with agentic tooling.

Compensation & Benefits

Base salary: $160,000 to $200,000 annually. Visa sponsorship is not available.

Location

Hybrid, with 2 to 3 days onsite in New York City, New York.