Product Manager - User & Accounts

About the Job

The Product Manager, Accounts Lifecycle, will be the strategic owner of the entire merchant journey, from initial sign-up and onboarding (Activation) through ongoing engagement and retention. A core focus of this role is to skillfully balance the necessity for a world-class Merchant Experience (MX) with stringent Compliance and Risk requirements (e.g., KYC/AML). This individual must be highly adept at navigating complex trade-offs and driving alignment across multiple, interdependent product and risk teams.

Minimum Qualifications

• 3-5 years of Product Management specifically focusing on customer/merchant lifecycle, growth, or product-led growth (PLG) initiatives, ideally within FinTech, Payments, or an equivalent high-compliance industry.
• Technical expertise is a significant advantage: Ability to understand technical architecture and integration points to facilitate meaningful discussions with engineers.
• Strong organizational skills to strategically navigate and prioritize conflicting demands from multiple stakeholders (e.g., business goals vs. risk constraints).
• Demonstrated ability to build consensus and drive outcomes across large, interdependent organizational structures.

Preferred Qualifications

• Domain Expertise (Critical): Direct product management experience within FinTech, Payments, or a similarly regulated industry that requires balancing user experience with strict Compliance, Risk, or Fraud requirements (e.g., KYC/AML).
• Technical Expertise (Strong Plus): A background in engineering, computer science, or demonstrated ability to understand technical architecture, APIs, and data flows to facilitate deep, productive discussions with technical teams.
• Account Lifecycle Specialization: Specific experience building or optimizing products related to core lifecycle stages like Onboarding, Activation, Offboarding

Responsibilities

• Lifecycle Strategy & Roadmap Ownership:
• Define the vision, strategic goals, and execution roadmap for optimizing the end-to-end Merchant Account Lifecycle, with a primary focus on maximizing Onboarding success, Activation rate, and Onboarding Throughput
• Synthesize market trends, competitive analysis, and business goals to prioritize high-impact lifecycle initiatives.
• Risk, Compliance, and Experience Balancing:
• Crucially balance the Merchant Experience needs (speed, clarity, ease-of-use) against strict requirements mandated by Risk, Fraud, and Compliance policies (e.g., KYC/AML checks, documentation needs).
• Collaborate closely with Risk and Compliance teams to design product processes that embed necessary controls with the lowest possible friction for the merchant.
• Proactively anticipate and translate new regulatory and policy changes into clear product requirements and required experience updates.
• Product Discovery & Execution:
• Lead the product discovery process, generating deep insights through merchant feedback, data analysis, and user research.
• Translate strategic goals into clear, actionable Product Requirements Documents (PRDs), user stories, and acceptance criteria for engineering and design teams.
• Own the prioritization of features, fixes, and experiments, strategically managing a backlog that is often subject to frequently changing demands from business and regulatory forces.
• Cross-Functional Leadership & Navigation:
• Act as a highly effective navigator and consensus builder across interdependent core product teams (e.g., Payments, Core Platform) to ensure a unified and consistent merchant experience.
• Serve as the primary liaison between Engineering, Design, Customer Success, Marketing, Risk, and Compliance.
• Clearly communicate product progress, outcomes, and the rationale behind complex trade-offs (especially those involving risk vs. experience) to senior stakeholders.