Product Manager, Card - Association Banking

Job Title

Product Manager, Card Payments - Association Banking

AZ - Chandler 3075

As a Product Manager you’ll manage the complete lifecycle of the assigned suite of banking products within the Bank's commercial product portfolio. We are seeking an expert in credit card processing with proven experience in implementing client-facing card acceptance solutions. This role requires deep knowledge of payment ecosystems, including gateways, processors, acquirers, compliance/rules, pricing, network integrations and digital wallets. The ideal candidate has experience leading initiatives to design and deploy secure, scalable, and compliant card acceptance capabilities that enhance customer experience and meet industry standards and regulatory requirements.

Responsibilities include collaborating with product, technology, and vendor teams to ensure seamless implementation, optimizing transaction flows for efficiency and cost-effectiveness, and driving innovation in merchant processing solutions.

• Evaluate current card processing capabilities, identify gaps, and develop solutions to remain competitive in the space by designing and delivering efficient merchant processing and payment acceptance via digital wallets (e.g. Apple Pay, Google Pay) for our clients, while optimizing interchange rates through network partnerships.
• Develop comprehensive documentation, create strategic roadmaps, and design the architecture, including gateway, processor, acquirers, monitoring, and reporting, for building advanced merchant processing capabilities and incorporating appropriate SaaS solutions.
• Partner with technology team to drive vendor discussions, facilitate rapid prototyping, and conduct thorough testing of new features. Ensure collaboration across stakeholders to translate concepts into actionable solutions, leading the implementation and successful rollout of features into production.
• Collaborate closely with risk, compliance, legal, and operations teams to conduct comprehensive pre-launch assessments and ensure all operational processes are thoroughly documented. Play a key role in aligning cross-functional requirements and mitigate risks to enable smooth and successful feature launches.
• Responsible for advancing card payment processing capabilities along with other HOA banking product key initiatives by contributing to the development of new features across multiple HOA banking products.
• Partner across the Product Management team to execute the Bank's strategic plan, to lead efforts to develop and operate profitable banking products. Meet all product development objectives, manage product health, and respond to market dynamics.

• Bachelor's degree in related field required.
• 5+ years of experience in credit card processing, merchant acquiring, digital wallets (Apple Pay/Google Pay) and card payment technology like payment gateways, processors, and acquiring platforms.
• Advanced knowledge of general financial services or banking products and services.
• Advanced knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices.
• Advanced knowledge of banking products, including treasury management, credit cards, as well as pricing dynamics. Market specific awareness.
• Advanced experience with Product Management Methodology including new product launches, road mapping, business cases, product enhancements, communication and marketing plans, and robust executive management presentations and reporting development.
• Strong understanding of payment networks (Visa, Mastercard, etc.), interchange optimization, pricing, fees, PCI DSS, state and network rules compliance.
• Proven experience in implementing client-facing payment solutions in banking or Fin Tech environments. Knowledge of tokenization, encryption, and fraud prevention technologies.
• Ability to manage multiple projects and deliver under tight timelines.
• Advanced speaking and writing communication skills.
• Occasional travel required.

We offer all the important things you'd want - like competitive salaries, an ownership stake in the company, medical and dental insurance, time…