Senior Product Head, Deposits and Liabilities

Senior Product Head, Deposits and Liabilities

Zeta is a Next-Gen Banking Tech company that empowers banks and fintechs to launch banking products for the future. It was founded by Bhavin Turakhia and Ramki Gaddipati in 2015. Our flagship processing platform - Zeta Tachyon - is the industry's first modern, cloud-native, and fully API-enabled stack that brings together issuance, processing, lending, core banking, fraud & risk, and many more capabilities as a single-vendor stack.

15M+ cards have been issued on our platform globally. Zeta is actively working with the largest Banks and Fintechs in multiple global markets transforming customer experience for multi-million account portfolios. Zeta has over 1700+ employees - with over 70% roles in R&D - across locations in the US, EMEA, and Asia. We raised $280 million at a $1.5 billion valuation from Softbank, Mastercard, and other investors in 2021.

Zeta Tachyon, is an issuer side next-gen, banking tech platform comprising :

• Tachyon Credit - A Credit Card Processing, Loan Management and Loan Servicing platform that Issuers can use to issue and Service Credit Cards, Commercial Cards, Co-Brand Cards, Unsecured Loans and BNPL
• Tachyon Deposits - A digital first core banking platform that issuers can use to issue and manage the lifecycle of Demand Deposits, Savings Accounts and Term Deposits
• Tachyon ITP - An Issuer Transaction Processing Platform comprising Card Management, Transaction Processing and Payments across Closed loop Networks and Open Loop Networks (eg Visa, Mastercard, Amex, Discover, ACH, RTP, Zelle)

• Product Strategy - Defining quarterly road map for Tachyon Deposits and Tachyon ITP to support US Demand Deposits, Savings Accounts and Term Deposit Accounts
• Product Management - Assisting our central Product and Engineering teams to build and maintain the Zeta Tachyon Demand Deposit Platform
• Operations Strategy - Assisting Product and Operations teams to build capabilities and define SOPs for running Deposit Operations including Fraud Operations, Account Operations, Payment Operations.
• Integrations Strategy - Assisting Product teams to identify and integrate with relevant external vendors and networks including Origination, KyC / IDV, AML, ACH, RTP, Zelle.
• Compliance Strategy - Assisting Product and Implementation teams to configure relevant regulatory compliance and reporting for deposits and liability accounts.
• Go-to-Market - Supporting Sales and Sales Engineering motions by delivering SaaS and platform pitches
• Engagement Management - Interfacing with Customer teams on ongoing projects for requirement gathering and subject matter expertise, as a part of the Implementation team

• Ability to translate market needs and regulatory requirements into product specifications and backlog items
• Comfort with customer-facing engagements and working with cross-functional GTM teams (Sales, Sales Engineering, Marketing)
• Ability to articulate complex technical products to business stakeholders

• Demonstrable experience (preferably 10+ years) leading Product Strategy and / or Implementation for Financial Service products
• Deep understanding of U.S. banking and payments ecosystem, especially around demand deposits, savings accounts, and term deposits
• Experience with issuer-side banking systems and transaction processing platforms
• Knowledge of core banking architecture, including both legacy and modern cloud-native systems
• Expertise in Deposit Operations, including fraud management, payment operations, account servicing, and compliance
• Familiarity with US payment rails and networks : ACH, RTP, Zelle, Fed Now, Wire, etc.
• Experience in working with or integrating KYC / IDV, AML, sanctions screening, and fraud tools
• Understanding of regulatory compliance frameworks and reporting standards relevant to liability products in the U.S. (e.g. Regulation D, E, CC, DD, BSA / AML)
• Experience collaborating with engineering teams to build and deliver complex financial products

Zeta is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We encourage applicants from all backgrounds, cultures, and communities to apply and believe that a diverse workforce is key to our success.