Senior Product Manager (Fintech)

Highbeam Research; New York (NY); On-site; USD 130,000 - 170,000; Full time

Benefits offered by this job

Equity

Health benefits

Generous PTO

Annual offsite

Wellness stipend

Lunch stipend

Commuting covered

Job summary

Highbeam is building the future of business banking and cash management, and we are seeking a Senior Product Manager to own our financial products—global business banking, cards and pay-by-card, treasury and capital. In this role you decide what we build, engage with bank and fintech partners, and own product success with live customer volume.

This role is based in NoHo, NYC. You will work with engineers to spec, QA, and ship end-to-end, driving adoption, monetization, and new revenue lines

Qualifications

• 4–6 years of PM experience at an early-stage fintech company.
• Shipped fintech products in banking, cards, payments, lending, cross-border, or stablecoins.
• Fluent in money movement (ACH, wires, SWIFT, RTP, card rails, FX).
• Experience with sponsor banks, BaaS, card networks, or payments partners.
• Knowledge of KYB/KYC, AML and money transmission.
• Strong builder: writes specs, QA tests, and ships end-to-end.
• Comfortable across several products and able to dive deep on one.
• Experience using AI tools for iteration and validation.
• Bonus: cross-border payments or stablecoins experience.
• Bonus: serving international sellers, marketplaces, or ecommerce brands.
• Bonus: engineering background.

Responsibilities

• Own the product for your areas from problem to spec, launch, and adoption.
• Lead new partner relationships: banks, cards, payments, stablecoins; evaluate tradeoffs.
• Turn partner and compliance needs into product flows (KYB/ onboarding / entity setup).
• Work with engineers to spec, QA, and ship end-to-end.
• Drive deposits, card/payments volume, and new revenue lines.
• Run ongoing customer research and turn insights into decisions.
• Coordinate with product operations and compliance for launch readiness.

Skills

Fintech product management

Partner management

Cross-border payments

KYB/KYC knowledge

Spec writing & QA

AI tooling for product

Job description

Highbeam is building the future of business banking and cash management.

Our platform combines AI agents, automated financial workflows, and integrated financial products that save brands time and money.

Customers have generated billions in sales and include well-known brands such as Cuts, Tushy, Rocco, Sabah, Still Here, Alice Mushrooms, Original Grain, birddogs, and more.

Our team includes alumni of Shopify, Square, Toast, Rippling, and McKinsey.

We’ve raised $42M in equity from Acrew, FirstMark, Mayfield, and Two Sigma Ventures.

About this role

We're hiring a Senior Product Manager to join the team building Highbeam's financial products: global business banking, cards and pay-by-card, treasury and capital.

In each area you own, you'll decide what we build and why, join the calls with our bank and fintech partners, and own whether the product succeeds with customers. The bar is live customers moving real volume.

This role is based in our NoHo, NYC office.

What you'll do

• Own the product for your areas, from customer problem through spec, launch, and adoption
• Lead new partner relationships on the product side: evaluate bank, card, payments, and stablecoin partners, weigh diligence findings and commercial tradeoffs with finance, and decide how their infrastructure becomes our product
• Turn partner and compliance requirements into product: flow of funds, KYB and onboarding, account setup by entity type, and customer-facing flows that match our legal docs
• Work directly with engineers and tech leads to spec, QA, and ship end-to-end
• Drive adoption and monetization: deposits, card and payments volume, and new revenue lines
• Run ongoing customer research with brands and partners and turn it into product decisions
• Partner with product operations and compliance so every launch is ready to operate

Example projects

• Growth: getting new customers to make Highbeam their primary operating account, by moving deposits, payroll, and card spend over in their first 90 days
• Global banking: multi-currency accounts, cross-border supplier payments, and stablecoin on/off-ramps for US and international businesses
• Pay-by-card: letting customers pay vendors by card, including international payments and Amex acceptance
• Treasury: bringing money market products to customers' idle cash
• Cards: debit and charge card features, and a metal card
• Capital: updating the borrower experience to match changes in our lending agreements

Net impact

• Highbeam's financial products grow in adoption and revenue
• New partner programs go from signed contract to live customers
• Highbeam becomes the operating account for more commerce businesses, including multi-geo ones
• Partner and compliance requirements shape the product from day one instead of forcing rework later

Qualifications

• 4–6 years of PM experience; early-stage operator (PM #1–5 at Series A–C)
• Has shipped fintech products as the core experience: banking, cards, payments, lending, cross-border, or stablecoins
• Fluent in money movement: ACH, wires, SWIFT, RTP, card rails, FX, and flow-of-funds design
• Has worked directly with sponsor banks, BaaS providers, card networks, or payments partners, from partner calls through diligence, commercial tradeoffs, and integration
• Working knowledge of KYB/KYC, AML, card network rules, and money transmission
• Strong product builder: writes specs, QAs builds, ships end-to-end
• Comfortable across several products and partners, and able to go deep on one
• Comfortable with AI tools for iteration and product validation
• Bonus: experience with cross-border payments or stablecoins
• Bonus: experience serving international sellers, marketplaces, or ecommerce brands
• Bonus: engineering background

You'll thrive at Highbeam if...

• You love working in-person with a high-performing team
• You enjoy working in an idea-meritocratic, low-ego environment
• You are proactive and self-directed, and you excel in ambiguous, fast moving environments
• You care about delivering a polished customer experience
• Bonus: You have experience working in fintech, AI or early-stage startups

What we offer

• Competitive salary and meaningful equity
• Comprehensive health & benefits package
• Generous PTO
• $1K/year stipend to purchase our customers' products
• $100/mo wellness stipend
• Yearly offsite—last year we went to Mexico City!
• In-office perks: Commute covered and $20/day lunch stipend
• Great location: Our NYC office is in NoHo, a short walk from the A,C,E · B,D,F,M · N,Q,R,W · 1 · 6 trains. Our Toronto office is downtown near St. Andrew Station.