Technical Product Owner

Axos Bank; Coronado (CA); On-site; USD 70,000 - 115,000; Full time

Benefits offered by this job

Medical, Dental, Vision, and Life Insu

Paid Sick Leave

Vacation and Holidays

HSA/FSA benefits

401(k) with Employer Match

Employee Mortgage Loan Program

Self-Directed Trading Account

Job summary

Axos Bank is seeking a technically fluent, high-impact Product Owner to lead product ownership for Core Services platform—the engine powering all enterprise offerings across Bank, Borrow, Invest, and Plan. This role blends back-end systems, APIs, data flows, and engineering trade-offs, acting as the bridge between engineering and business to deliver measurable outcomes.

You will partner with Engineering, Architecture, QA, and Business to drive backlog clarity, release planning, and governance,

Qualifications

• Bachelor's degree required.
• 5+ years as Product Owner/Product Manager with backend/platform ownership.
• Strong knowledge of REST/GraphQL APIs and microservices.
• Ability to read API specs, ERDs, and architecture diagrams.
• Ability to write detailed, engineer-ready user stories and acceptance criteria.
• Experience managing cross-system dependencies and engineering priorities.
• Experienced in Agile/Scrum with senior engineers and QA.
• Experience in regulated banking/fintech environments.

Responsibilities

• Own backlog for Core Services including Identity, Rules Manager, Document Service, Notifications, and core banking APIs.
• Write engineer-ready epics and user stories for backend systems.
• Drive prioritization considering technical debt, risk, and business value.
• Collaborate with SDMs, Architects to ensure scalable solutions.
• Maintain backlog readiness, acceptance criteria, and definition of done.
• Lead sprint planning, backlog grooming, and release planning.
• Monitor production incidents and translate metrics into priorities.

Skills

REST APIs

GraphQL APIs

Microservices

Distributed systems

Event-driven design

APIs specs

User stories writing

Back-end ownership

Agile/Scrum

Regulated environments

Executive communication

Education

Bachelor's degree

Job description

Axos Bank Target Range

Axos Bank Target Range: $70,000.00/Yr. - $115,000.00 /Yr, Actual starting pay will vary based on factors including, but not limited to, geographic location, experience, skills, specialty, and education. Eligible for an Annual Discretionary Cash Bonus Target: 10% Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 10% These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.

About This Job

Axos Bank is seeking a technically fluent, high-impact Product Owner to lead product ownership for Axos Bank's Core Services platform- the engine powering all enterprise offerings across Bank, Borrow, Invest, and Plan. This is not a traditional business-facing PO role; it requires deep comfort with backend systems, APIs, data flows, and engineering trade-offs. You will serve as the connective tissue between engineering teams and business stakeholders, translating complex technical realities into prioritized, well-scoped work. You will partner closely with Engineering, Architecture, QA, and Business to drive delivery discipline, backlog clarity, and measurable outcomes for mission-critical financial services infrastructure.

Responsibilities

• Own the product backlog for Core Services platforms including Identity, Rules Manager, Document Service, Notifications, and core banking APIs


• Deep-dive into technical architecture, API contracts, data schemas, and system dependencies to write precise, engineer-ready epics, features, and user stories


• Drive prioritization decisions grounded in technical debt, system risk, regulatory impact, and business value—not just feature requests


• Partner with Engineering leadership (SDMs, Architects) to evaluate feasibility, identify constraints, and ensure scalable, maintainable solutions


• Act as the single point of accountability for backlog clarity, readiness, acceptance criteria, and definition of done


• Lead sprint planning, backlog grooming, and release planning in close collaboration with delivery teams


• Enforce strict release governance- features are well-defined, tested, and aligned with SLA expectations before shipping


• Monitor production incidents and system health metrics; translate operational data into actionable backlog priorities


• Drive cross-team alignment across Clearing, AAS, OLB, Commercial, QA, and Infrastructure teams


• Provide executive-ready reporting on roadmap progress, risks, blockers, and delivery outcomes


• Evaluate technical proposals and tradeoffs with engineering teams, including service isolation strategies, caching layers, and API versioning approaches

Requirements

• Bachelor's degree


• 5+ years as a Product Owner / Product Manager with demonstrated ownership of backend or platform engineering teams


• Strong working knowledge of REST/GraphQL APIs, microservices architecture, distributed systems, and event-driven design


• Ability to read and interpret technical documentation, API specs, ERDs, and architecture diagrams


• Proven ability to write detailed, unambiguous user stories and acceptance criteria for backend systems—not just UI features


• Experience managing complex cross-system dependencies, integration risk, and competing engineering priorities


• Comfortable working in Agile/Scrum environments alongside senior engineers, architects, and QA teams


• Experience in regulated environments—banking, fintech, or financial services strongly preferred


• Strong communication skills; able to bridge technical and executive audiences with equal fluency

Axos Employee Benefits May Include:

• Medical, Dental, Vision, and Life Insurance


• Paid Sick Leave


• 3 weeks' Vacation, and Holidays (about 11 a year)


• HSA or FSA account and other voluntary benefits


• 401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan


• Employee Mortgage Loan Program


• Free access to an Axos Bank Account with Self-Directed Trading

About Axos

Born digital-first, Axos delivers financial tools and services that allow individuals, small businesses, and companies to access and manage their money how, when, and where they want. We're a diverse team of dynamic, insightful, and independent innovators who are excited to provide technology-driven solutions that offer unbeatable value to our customers. Axos Financial is our holding company and is publicly traded on the New York Stock Exchange under the symbol "AX" (NYSE: AX). Learn more about working at Axos

Pre-Employment Background Check and Drug Test

All offers are contingent upon the candidate successfully passing a credit check, criminal background check, and pre-employment drug screening, which includes screening for marijuana. Axos Bank is a federally regulated banking institution. At the federal level, marijuana is an illegal schedule 1 drug; therefore, we will not employ any person who tests positive for marijuana, regardless of state legalization.

Equal Employment Opportunity

Axos is an Equal Opportunity employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breast feeding and related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, genetic information, physical disability, mental disability, or any other protected status in accordance with all applicable federal, state, and local laws.

Job Functions and Work Environment

While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc. The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.

E-Verify and Right to Work Notices

Axos participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States. The E-Verify program is an internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. IER Right to Work Poster (English/Spanish) E-Verify Participation Poster (English/Spanish)

Additional Information

We're a team of relentless innovators that are challenging the status quo through smart, pro-consumer financial products and services. We got our start in 2000, as an online bank - when the idea of banking online was almost unthinkable. Since then, we've evolved to add commercial banking, commercial lending, investment, clearing, and fiduciary services to our toolbox. As modern life continues to present new challenges for clients, we step up and find creative ways to solve them.