Senior Product Manager, Payments

Coinbase; Augusta (ME); Hybrid; USD 207,000 - 244,000; Full time

Job summary

Coinbase is hiring a Senior Product Manager for the Payments Platform team. You will own how customers add and use bank accounts, cards, and digital wallets, shaping the onboarding funnel from linking to verification and recovery.

You will drive routing across providers, partner with risk/compliance on fraud and cost, and work with business development on integrations and commercial terms. Your work directly affects revenue and trust.

Qualifications

• 7+ years of product management experience in payments or financial platforms.
• Deep knowledge of card payments and bank transfers, incl. declines, retries, verification, tokenization, routing.
• Strong analytical instincts for experiments and tradeoffs when the easy answer differs from the right answer.
• Responsible use of generative AI with human oversight to improve workflows.

Responsibilities

• Own the multi-year strategy and roadmap for onboarding payments (bank accounts, cards, wallets) end-to-end.
• Drive intelligent routing of payment onboarding across providers and banks to minimize outages and cost.
• Shape verification of payment methods with Risk and Compliance to balance fraud loss and conversion.
• Partner with Business Development and external banks/ processors on terms and integrations.
• Lead cost and performance reporting for payment methods and enable reuse by other teams.

Skills

PM experience

Payments knowledge

Analytical mindset

Generative AI usage

Job description

Ready to do the most impactful work of your career? At Coinbase, we are uncompromising on our mission to increase economic freedom. The bar is high, the environment is intense, and we like it that way. This isn't a place for complacency, it’s a place to be pushed past your perceived limits. If you're ready to build the future of finance alongside people who refuse to settle for "good enough," you belong here. Coinbase is a remote-first, but not remote-only company. Expect to get together quarterly for intense in-person working sessions called “surges.” learn more about working at Coinbase.

As a Senior Product Manager on the Payments Platform team within the Platform product group, you'll own how customers add and use bank accounts, cards, and digital wallets on Coinbase. Payments Platform builds and runs the systems that move customer money in and out of Coinbase, covering bank transfers, card payments, wires and real-time rails. Your work sits directly on revenue and customer trust: if a customer can't add a payment method, nothing else happens.

What you’ll do:

• Own the multi-year strategy and roadmap for how customers add and use bank accounts, cards, and digital wallets on Coinbase, including the full funnel from first screen through linking, verification, and failure recovery.
• Drive intelligent routing of payment onboarding across multiple payment service providers and banks, picking the path most likely to succeed and cheapest to run so a single provider problem never becomes a customer outage.
• Shape the approach for confirming that a payment method belongs to the customer, partnering with Risk and Compliance to hold a measured line on fraud loss versus conversion.
• Partner with Business Development and external bank and processor partners on commercial terms, integrations, and the next wave of payment capabilities.
• Lead payment method cost and performance reporting end to end, surfacing tradeoffs to senior leadership and building platform capabilities that other product teams can reuse without rebuilding the plumbing.

Required Skills and Experience:

• 7+ years of product management experience with depth in payments, money movement, or financial platforms, and a track record of owning a payment or money movement funnel end to end at scale with measurable results.
• Working knowledge of how card payments and bank transfers actually work, including declines, retries, verification, tokenization, and routing, with the ability to go deep with engineers on service architecture, APIs, and routing logic.
• Strong analytical instincts, including designing experiments and holding a measured line on tradeoffs when the easy answer and the right answer are not the same.
• Utilizes generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality.

*Pay Transparency Notice:** *Base salary varies by location (see range below). Total compensation may also include equity and bonus eligibility, and benefits (medical, dental, vision, 401(k)).

Annual base salary range (excluding equity and bonus):

$207,485—$244,100 USD

• *Application Limit: *Candidates may submit a maximum of 3 applications within a 6-month period.
• *Equal Opportunity Employer: *Coinbase is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or genetic information. Applicants with criminal histories will be considered consistent with applicable federal, state, and local laws.
• *US Applicants: *View Employee Rights, Know Your Rights, and E-Verify Notice of Participation.
• *Accommodations: *If you are an individual with a disability who needs a reasonable accommodation, email us your request and contact info at accommodations[at]coinbase.com.Need screen reading technology? Click here to download a free compatible screen reader and view the tutorial.
• *Data Privacy & Arbitration: *By submitting your application, you agree to our Candidate Privacy Notice. US applicants: By submitting your application, you agree to Arbitration of Disputes.