Senior Technical Product Manager, Banking Platform

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Sezzle

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2016

💳 Fintech

👥 B2C

🛍️ eCommerce

Fintech • B2C • eCommerce

Sezzle is a financial technology company that offers a "buy now, pay later" service, allowing consumers to purchase products and pay for them in four interest-free installments over six weeks. The Sezzle app provides users with a flexible financing alternative to traditional credit cards, enabling instant approval decisions without impacting credit scores. Sezzle partners with various top brands, including Amazon, Walmart, and Target, to offer in-app and in-store payment options. The company's mission is to empower consumers financially by providing more financial freedom and control. It is available as a mobile app, with millions of downloads and high user ratings, and works towards accessibility and inclusion on its platform.

📋 Description

• Own the banking platform roadmap for accounts, deposits, cards, and lending on a unified ledger and account model • Evaluate core banking platforms and processors, conduct vendor diligence, model cost and time-to-market, and support build-vs-buy decisions • Shape account hierarchies, sub-ledgers, chart-of-accounts mapping, posting rules, holds, interest and fee accrual, and general ledger integration • Specify requirements for transfers, ACH, card issuing, network settlement, real-time rails, returns, reversals, exception handling, cutoff windows, and settlement reconciliation • Ensure reporting, traceability, controls, reconciliation, balance attestation, and complete transaction history for Finance, audit, and regulators • Translate Compliance and Legal requirements into platform capabilities, including screening hooks, onboarding data, error resolution, disclosures, statements, and reporting • Own migration planning, data mapping, parallel-run strategy, validation criteria, rollback plans, and phased cutover when applicable • Write detailed technical specifications, API contracts, event schemas, data models, user stories, and release plans • Define and monitor platform KPIs using SQL, including posting latency, reconciliation break rate, settlement accuracy, and failure rates • Anticipate technical risks, edge cases, race conditions, and dependencies • Deliver against evolving regulatory and business timelines with incomplete information • Collaborate directly with Engineering, Finance, Compliance, Treasury, and Risk

🎯 Requirements

• Bachelor’s or advanced degree in Engineering, Computer Science, or another technical discipline (required) • 5–10 years of product experience, including meaningful financial infrastructure experience • Real ownership in ledgers, general ledger or balance and transaction systems; payments processing or money movement; card issuing; deposit, wallet or account platforms; lending platforms; or processor, BaaS provider, or core banking vendor product work • Comfort with double-entry accounting concepts, including debits and credits, sub-ledgers, accruals, and reconciliation, or willingness to learn them quickly • Deep technical understanding of APIs, event-driven architecture, idempotency, distributed-system failure modes, batch versus real-time processing, and data flows • Strong SQL skills and ability to query and interpret data independently • Experience working directly with Compliance, Legal, Finance, or Treasury stakeholders • Ability to work in ambiguity and make sound, documented decisions with incomplete information • Strong written and verbal communication across engineering, Finance, and executive discussions • Hands-on familiarity with AI tools, data models, or generative AI applications • Preferred: direct core banking platform experience; core migration, conversion, or ledger replacement experience; regulated financial institution experience; consumer finance regulation familiarity; consumer credit, BNPL, card products, or bank-fintech sponsorship experience; third-party risk management and vendor oversight experience

🏖️ Benefits

• Salary of $5,000–$8,000 per month gross in USD • Remote work • Abundant prospects for career advancement