Principal Product Manager

🔥 22 hours ago

🇺🇸 United States – Remote

💵 $165k - $175k / year

⏰ Full Time

🔴 Lead

✅ Product Manager

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Commercial Bank of California

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2003

🏦 Banking

💸 Finance

🤝 B2B

Banking • Finance • B2B

Commercial Bank of California is a full-service, FDIC-insured community bank headquartered in Irvine, California, serving businesses, nonprofits and organizations across California. Founded over two decades ago and currently Latino-owned (largest Latino-owned bank in California) and certified as a Minority Depository Institution, CBC focuses on commercial banking services tailored to entrepreneurs and small-to-mid-sized businesses. Its specialties include commercial banking, SBA lending, construction loans, lines of credit, checking and savings accounts, and term loans. Leadership changes in 2013–2014 initiated a strategic growth plan; as of Dec 2024 the bank has assets of $3. 5 billion and emphasizes personalized, entrepreneur-focused services.

📋 Description

• Independently lead assigned payment platforms, product domains, strategic initiatives, and operating responsibilities • Partner with the Director of Product Management to divide portfolio ownership, clarify decision rights, balance workload, and maintain coordinated product strategy • Represent Product in executive and cross-functional forums • Maintain succession-ready operating playbooks, decision logs, stakeholder maps, ownership matrices, delegated-authority records, cross-training plans, and secondary coverage • Provide functional leadership, coaching, and standards for Product Managers and Business Analysts • Develop product vision, multi-quarter roadmaps, measurable objectives, and investment recommendations • Build understanding of customer, partner, market, operational, and support needs using interviews, workflow observation, data, sales feedback, service trends, and competitive analysis • Define target users, use cases, value propositions, adoption objectives, service impacts, and measurable business outcomes • Partner with Sales, Marketing, Finance, Operations, and Customer Support on business cases, pricing and packaging input, launch readiness, customer communication, adoption, and post-launch performance • Prioritize demand and recommend Product capacity allocation across strategic initiatives, customer commitments, regulatory obligations, security remediation, operational support, technical debt, and modernization • Partner with Technology leadership on engineering capacity, architecture dependencies, vendor constraints, delivery risk, and release sequencing • Lead Product requirements intake, discovery, analysis, review, approval, traceability, and change control • Maintain product decision records, business rules, system behavior, platform and integration dependencies, workflow documentation, roadmap assumptions, release history, and ownership records • Lead traceability from approved business need through requirements, implementation, testing, release, production validation, and outcome measurement • Lead an ordered, groomed, traceable, delivery-ready backlog and convert priorities into sequenced backlogs, release objectives, milestones, requirements, and acceptance criteria • Facilitate scope and change control, clarify requirements, assess deliverables, and coordinate Product decisions with internal, offshore, nearshore, and third-party delivery partners • Define product and business release criteria, coordinate readiness, and confirm post-release business behavior and outcomes • Lead product responsibilities across VCI’s Legacy, ACHWorks, and Veer platforms • Lead requirements across ACH transaction lifecycles, clearing, settlement, returns, exceptions, reconciliation, reporting, merchant onboarding, partner integrations, and related workflows • Translate NACHA, regulatory, risk, compliance, and sponsor-bank interpretations into product requirements and acceptance criteria • Partner with Architecture and Technology on modernization plans, sequencing, readiness, rollback, and retirement criteria • Incorporate security remediation, regulatory obligations, and risk-treatment priorities into product planning and backlog processes • Maintain audit-ready Product records and coordinate approval, testing, exception, and post-release evidence • Define business and customer impact, workarounds, and remediation priorities; coordinate issue triage and corrective actions • Approve Product requirements, acceptance criteria, backlog sequencing, Product readiness, and routine portfolio decisions within assigned domains and delegated limits • Escalate material regulatory interpretations, contractual commitments, budget decisions, architecture or security exceptions, production change approvals, and enterprise-risk acceptance

🎯 Requirements

• 8+ years of progressive experience in Product Management, payment platforms, financial technology, or related product leadership • Ownership of complex regulated products from discovery through production operation • Deep knowledge of ACH processing, transaction lifecycles, returns, exceptions, settlement, reconciliation, controls, operational workflows, and partner integrations • Ability to lead substantial product domains independently, represent Product with executives, resolve cross-functional conflicts, and maintain continuity in a complex operating environment • Experience developing product strategy, roadmaps, business cases, requirements, process models, user stories, acceptance criteria, KPIs, and evidence-based prioritization decisions • Ability to understand API documentation, REST APIs, webhooks, event-driven integrations, data models, service dependencies, logs, and distributed-system failure scenarios • Experience with Jira, Confluence, or comparable product, requirements, and knowledge-management platforms • Experience with Agile or Scrum delivery practices • Experience leading internal and distributed delivery partners within formal SDLC, change-management, audit, security, and regulatory-control environments • Exceptional executive communication, facilitation, documentation, analytical, decision-making, and influencing skills • NACHA Accredited ACH Professional certification preferred • Leadership experience across multiple payment or banking platforms, including modernization, migration, product rationalization, or vendor transition preferred • Experience with payments risk, fraud, underwriting, billing, reconciliation, reporting, merchant onboarding, processors, sponsor banks, or ISVs preferred • Familiarity with SOC examinations, IT general controls, vulnerability-remediation governance, and audit evidence preferred

🏖️ Benefits

• Competitive employer contribution to medical, dental and vision coverage • 401k plan with employer match • Flexible Spending Accounts (FSA) and Dependent Care Accounts • Employee Assistance Program (EAP) • Employer provided Calm subscription • Employer provided mental health benefits through Teladoc • Life, AD&D and disability insurance • Minimum 10 Days of Vacation • 6 Paid Federal Holidays • 5 paid personal days/per year • Online discount program • Tuition Reimbursement Program

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