Sr. Principal Product Manager, Agentic Commerce & Payments

Early Warning (Zelle); New York (NY); Hybrid; USD 150,000 - 210,000; Full time

Job summary

Early Warning is seeking a Senior Principal Product Manager to lead strategy, development, and execution for a portfolio of payment-related products. The role acts as a hands-on product leader, translating customer pain points into actionable product direction and partnering with cross-functional teams to deliver high-impact solutions.

The position operates through influence rather than people management, coordinating with technology, design, analytics, marketing, sales, risk, and operations to

Qualifications

• Bachelor's degree or equivalent combination of education and experience.
• 15+ years of related professional experience in product management, product strategy, or a closely related field.
• Background and drug screen

Responsibilities

• Owns and evolves product strategy, vision, and roadmap for a portfolio of products aligned to customer and business outcomes.
• Builds alignment across executives, cross-functional partners, and external stakeholders through clear articulation of product strategy, tradeoffs, and priorities.
• Spearheads go-to-market strategies and drives product adoption, revenue, and client outcomes.
• Writes and grooms user stories; participates in agile ceremonies.
• Ensures risk management, security, and regulatory controls are embedded in product designs.
• Leads through influence across the enterprise without formal people management responsibility.

Skills

Design thinking

Agile methodologies

Cross-functional

Executive influence

Analytical skills

Education

Bachelor's degree

Job description

At Early Warning, we've powered and protected the U.S. financial system for over thirty years with cutting-edge solutions like Zelle®, Paze®, and so much more. As a trusted name in payments, we partner with thousands of institutions to increase access to financial services and protect transactions for hundreds of millions of consumers and small businesses.

Early Warning follows a hybrid work model to allow for a more collaborative working environment.

Candidates responding to this posting must independently possess the eligibility to work in the United States, for any employer, at the date of hire.

This position is ineligible for employment Visa sponsorship.

Overall Purpose

The Senior Principal Product Manager is a senior individual contributor responsible for defining, developing, and executing the strategy for a portfolio of products aligned to a customer segment and/or product solution. This role serves as a hands‑on product leader who drives clarity around customer pain points, translates strategy into actionable product direction, and partners closely with cross‑functional teams to deliver innovative, high‑impact solutions that delight customers.

This position operates through influence rather than formal people management, providing product vision, strategic direction, and execution leadership across technology, design, analytics, marketing, sales, risk, and operations.

Essential Functions

Product Strategy & Thought Leadership

• Owns and evolves product strategy, vision, and roadmap for a portfolio of products aligned to customer and business outcomes.
• Builds strong alignment across executives, cross-functional partners, and external stakeholders through clear articulation of product strategy, tradeoffs, and priorities.
• Serves as a recognized subject matter expert and thought leader within the product domain.

Customer Passion and Advocacy

• Proactively assesses customer needs and pain points across the product portfolio to maximize customer value and satisfaction.
• Synthesizes qualitative and quantitative feedback into actionable insights that inform product decisions.
• Champions the customer perspective throughout product discovery, delivery, and iteration.

Driving Outcomes & Execution

• Works closely with marketing, sales, analytics, design, and technology partners to define go‑to‑market strategies and drive product adoption, revenue, and client outcomes.
• Owns product success metrics including financial performance, adoption, customer satisfaction, and net promoter scores.
• Ensures disciplined execution against the roadmap while managing dependencies and tradeoffs.

Technical & Delivery Partnership

• Partners deeply with engineering and architecture teams to deliver scalable, secure, and resilient solutions.
• Clearly defines product requirements, writes and grooms user stories, and participates actively in agile ceremonies.
• Brings strong technical fluency to discussions, enabling informed decision‑making without direct coding responsibility.

Risk, Compliance, and Governance

• Ensures product designs incorporate appropriate risk management, security, and regulatory controls.
• Partners with legal, compliance, and risk teams to ensure adherence to applicable laws, regulations, and governance standards.
• Balances innovation with operational resilience and risk mitigation.

Enterprise Influence & Collaboration

• Leads through influence by aligning diverse stakeholders, breaking down silos, and facilitating decision‑making across the enterprise.
• Mentors and coaches peers and junior product managers informally through knowledge sharing and best practices (without formal people management responsibility).

Minimum Qualifications

• Bachelor's degree or equivalent combination of education and experience
• 15+ years of related professional experience in product management, product strategy, or a closely related field
• Demonstrated expertise in design thinking and agile development methodologies
• Proven experience defining product strategy, roadmaps, and delivering products that meet revenue and adoption goals
• Strong track record of cross‑functional collaboration and executive‑level influence
• Excellent analytical, communication, and execution skills
• Background and drug screen

Preferred Qualifications

• Master's degree
• Certifications in design thinking and/or agile methodologies
• Experience in payments, financial services, or other highly regulated industries
• Experience operating as a senior individual contributor in a complex, matrixed organization

Agent Commerce

• Owns the strategy, positioning, and messaging framework for Agentic Commerce.
• Serves as the subject matter expert for our Agentic Commerce vision and solution.
• Drives alignment and adoption across financial institutions, ecosystem partners and merchants, ensuring alignment and maximizing adoption.
• Engage with ecosystem partners and stakeholders to align standards and foundation of agentic commerce transactions flows.
• Develop long term vision and roadmap for agentic commerce