Staff Product Manager - SMB Banking & Fintech

Monograph; California (MO); Hybrid; USD 152,000 - 230,000; Full time

Benefits offered by this job

Equity (RSUs)

Competitive base pay

Benefits

Job summary

Gusto is seeking a Product Manager to own end-to-end banking initiatives for small businesses, including application/identity verification, funding, and payments. You will drive growth, define KPIs, and collaborate with Risk, Legal, and Compliance to ship compliant, durable features in an AI-enabled payroll ecosystem.

The role requires 7+ years in fintech product management and a passion for serving small businesses with innovative banking solutions.

Qualifications

• Has 7+ years of product management experience in fintech, banking, or adjacent industries.
• Brings hands-on familiarity with business banking, BaaS platforms, deposit products, or money movement rails.
• Thrives in 0-1 environments and can take a product from pre-beta to launch with limited resources.
• Has run a real experimentation practice — hypothesis, test design, readout, decision.
• Understands regulatory and operational complexity of banking products and can collaborate with Risk, Legal, and Compliance teams.
• Cares deeply about small businesses and wants to build the account they trust with their money.

Responsibilities

• Own and deliver core workstreams spanning small business banking - application and identity verification, account linking, funding, payments, cards, ongoing servicing, and exposing these products/capabilities on surfaces a customer wishes to engage.
• Own growth and adoption end to end from acquisition through funded, active account, and then run continuous experimentation across the funnel.
• Take responsibility for the business outcomes of your workstream as a true owner.
• Be the fintech infrastructure and payments expert that reliably untangles complexity and ships durable systems.
• Use Gusto's unique payroll ecosystem to build banking features unique to our position in the ecosystem.
• Define how banking connects to the rest of the Gusto platform, making the account the default funding source for how a business operates.
• Design for self-serve by anticipating where customers get stuck and resolving it in-product rather than in the support queue.
• Ensure tight, daily coordination with cross-functional teams spanning Product, Engineering, Design, Data, Risk, Compliance, Legal, and Ops to ship resilient, compliant, and delightful products.
• Partner with external vendors to deliver reliable, integrated experiences.
• Deeply understand our customers, particularly cash flow uncertainty and team spending dynamics, to craft effective product narratives.
• Measure what matters — define and own KPIs around account opening, funding, deposit growth, and primacy, and use data to drive prioritization, learning, and iteration

Job description

Gusto is seeking a Product Manager to own end-to-end banking initiatives for small businesses, including application/identity verification, funding, and payments. You will drive growth, define KPIs, and collaborate with Risk, Legal, and Compliance to ship compliant, durable features in an AI-enabled payroll ecosystem.

The role requires 7+ years in fintech product management and a passion for serving small businesses with innovative banking solutions.