Product Manager III – Business Banking

Bankjoy

Product Manager III overseeing the strategy for business banking platform at Bankjoy, a fintech startup. Collaborating with multiple teams to ensure product execution and compliance.

Posted 4/30/2026full-timeRemote • Texas • 🇺🇸 United StatesSeniorLeadWebsite

Tech Stack

Tools & technologies

Ruby on Rails

About the role

Key responsibilities & impact

Own the end-to-end product strategy for Bankjoy’s next-generation business banking platform, from vision through execution.
Define and prioritize the product roadmap in close partnership with Engineering, Design, Sales, and Client Success teams.
Translate complex business and technical requirements into clear product specifications and well-defined user stories.
Conduct market research and competitive analysis to stay ahead of industry trends, regulatory changes, and client needs.
Continuously evaluate product performance and adjust priorities to ensure strong delivery and long-term product success.
Lead product discussions related to payment systems including ACH, wire transfers, card networks, and real-time payments.
Ensure compliance with payment regulations and security standards across all product capabilities.
Develop and manage permission and access control frameworks for enterprise platforms.
Work closely with engineering teams to define APIs, data models, and integration patterns.
Ensure compliance and security requirements are embedded into product design from the beginning.
Partner with implementation and engineering teams to resolve complex technical scoping questions and reduce downstream ambiguity.
Provide guidance and mentorship to junior product managers, supporting their development and strengthening team execution.
Serve as a primary product point of contact for clients during product discussions and implementation planning.
Join client calls, lead product conversations, and build trusted relationships with key stakeholders at financial institutions.
Proactively engage clients to gather feedback and validate product direction.
Translate client requirements and feedback into clear product priorities.
Synthesize RFP requirements, client escalations, and sales feedback into actionable roadmap decisions.
Serve as the internal subject matter expert on business banking product capabilities.

Requirements

What you’ll need

8+ years of product management experience in financial services or B2B fintech, with exposure to business banking, payments, or core banking platforms.
Strong technical fluency with APIs, system integrations, and product architecture discussions.
Deep knowledge of payment rails including ACH, wire transfers, card networks, and real-time payments.
Experience working with payment compliance requirements, security frameworks, and access control design.
Demonstrated ability to operate effectively in fast-moving and ambiguous environments.
Strong communication and presentation skills across technical and non-technical audiences.
Strong cross-functional collaboration experience working with Engineering, Sales, Implementation, and Client Success teams.
Ability to translate complex technical concepts clearly for both technical and non-technical stakeholders.

Benefits

Comp & perks

A fast-paced and collaborative environment
Competitive compensation
Stock options at a well-funded startup
We cover 100% of medical, dental, and vision premiums for individuals on our base plan, with significant contributions toward all other plan options (USA).
We cover 100% of extended medical, dental, and vision premiums for you and your family under our single, comprehensive plan (Canada).
Retirement plan with 4% company matching
8 weeks paid parental leave for birthing parents, 4 weeks for non-birthing
3-5 weeks PTO depending on tenure
5 health days
15 holidays
End of year shutdown
Performance-based bonuses
Remote first culture

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Hard Skills & Tools

product managementAPIssystem integrationsproduct architecturepayment railsACHwire transferscard networksreal-time paymentsaccess control design

Soft Skills

communication skillspresentation skillscross-functional collaborationmentorshipclient engagementfeedback synthesisproblem-solvingadaptabilityrelationship buildingstrategic thinking