Product Lead – Credit Cards

Starling Bank

Product Lead defining and building the US Cards strategy for Engine by Starling. Collaborating across teams to deliver innovative banking solutions in North America.

Posted 7/13/2026full-timeCharlotte • North Carolina • 🇺🇸 United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in leading complex financial product development, particularly within the North American credit card industry, while balancing strategic leadership with hands-on product management. Proficient in stakeholder management, product requirements definition, and compliance with US banking regulations.

Highest-signal resume keywords

Product ManagementCredit Card Industry KnowledgeStakeholder ManagementUS Banking RegulationsCard Processing Platforms

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Hard Skills

Product Requirements DefinitionUser StoriesAcceptance CriteriaProduct Gap AnalysisConfiguration ModelsAPI IntegrationPlatform ImplementationSaaSAgile PracticesCard Products Understanding

Soft Skills

Influencing Senior StakeholdersCollaborationCommunicationRelationship BuildingLeadership

Tools & Technologies

Card Processing PlatformsTSYSPayments EcosystemProduct AnalyticsDesign Workshops

Certifications & Qualifications

PCI DSS Compliance Knowledge

Industry Keywords

North American Credit Card IndustryCustomer LifecycleUS Banking RegulationsRegulation ZCARD ActFCRACanadian Regulations

Tech Stack

Tools & technologies

Cloud

About the role

Key responsibilities & impact

Own the vision, strategy and roadmap for a key area of Engine’s US Cards platform, balancing market needs, client requirements and long-term platform scalability.
Translate market opportunities into clear product requirements, ensuring new capabilities are designed to be reusable across multiple financial institutions rather than bespoke for individual clients.
Work closely with customers, prospects and internal stakeholders to validate product direction and prioritise investment based on commercial value and customer impact.
Define product requirements, user stories and acceptance criteria across the full stack, connecting digital experiences, platform services and underlying card processing capabilities.
Design scalable configuration models that enable banks to launch differentiated products through configuration rather than custom development.
Drive a product-led approach to platform evolution, ensuring new functionality strengthens the core platform while supporting the needs of multiple clients.
Assess the impact of platform, processor and third-party changes, proactively identifying opportunities, risks and required product enhancements.
Lead product discovery with client banks, understanding their existing card portfolios, operating models and future product ambitions.
Translate complex business requirements into clear product solutions, identifying where capabilities already exist, where configuration is sufficient and where platform enhancements are required.
Perform product gap analysis and make pragmatic recommendations that balance client needs with long-term platform strategy.
Support complex implementation programmes, providing product leadership through design workshops, delivery, testing and production readiness.
Work closely with Engineering, Architecture, Design and Client Success teams in both the US and UK to deliver high-quality product outcomes.
Act as the voice of the US market within Engine’s global product organisation, ensuring regional market requirements are reflected in the platform roadmap.
Build strong relationships across distributed teams, influencing product direction through collaboration rather than authority.
Use customer feedback, market insight and product analytics to continuously improve the platform.
Champion modern product management practices, helping establish a product-led culture as Engine continues to grow in North America.
Represent the product with senior client stakeholders, supporting strategic discussions, solution workshops and executive presentations where required.

Requirements

What you’ll need

Proven experience leading complex financial products from concept to launch,at least 7 years.
Comfortable balancing strategic leadership with hands-on product management.
Strong ability to influence senior stakeholders across a global organisation
Deep knowledge of the North American credit card industry and customer lifecycle.
Understanding of card products, including credit, fees, rewards, disputes and servicing.
Familiarity with the payments ecosystem (e.g. Visa, Mastercard).
Solid understanding of US banking regulations (e.g. Regulation Z, CARD Act, FCRA).
Awareness of Canadian regulations is a plus.
Knowledge of PCI DSS and related compliance standards.
Experience with card processing platforms (TSYS preferred).
Understanding of configurable card systems and issuer capabilities.
Experience with migrations, conversions or major platform implementations.
Comfortable working with APIs, integrations and engineering teams.
Experience working with banks or financial institutions to deliver product solutions.
Ability to balance client needs with scalable platform design.
Strong communication and stakeholder management skills.
Experience in SaaS, cloud or banking technology environments is a plus.
Familiarity with agile product practices is a plus.
Experience working with distributed teams is a plus.

Benefits

Comp & perks

Medical, Dental, and Vision insurance plan options
401(k) with company match of 100% of the first 4%
Company-paid Long-Term Disability, and Life and AD&D insurance
Optional ancillary benefits such as Short-term Disability, Accident Insurance, Legal & ID Protection, and more
20 days annual vacation PTO and 11 Paid Holidays