Principal Product Manager Real-Time Payments Platform

At SoFi we're on a mission to help our members get their money right and become a Top 10 Financial Institution. Beyond that we're building the "AWS of Banking" — modern scalable platforms that power financial services across every SoFi product.

We're looking for a Principal Product Manager to own SoFi's real-time payments platform — the infrastructure that enables instant 24/7/365 money movement for our members and commercial clients. You'll define the vision and strategy for how SoFi sends and receives money in real time and build the platform capabilities that make fast transparent and reliable transfers the default experience.

This role sits within Bank Platform SoFi's shared financial infrastructure team. Your platform serves every line of business — from Consumer to Commercial Banking Invest and Lending and everything in between — enabling them to move money faster compliantly and more cost effectively without each building their own rails. 

• Own the vision strategy and roadmap for SoFi's real-time payments platform including FedNow Fedwire instant debit (Visa Direct Mastercard Send) and future real-time rails.
• Scale real-time capabilities to new business lines — champion the real-time payments services internally evangelize the value of Bank Platform adoption to other business units and build a roadmap to onboard new use cases so that all relevant SoFi products benefit from real-time money movement capabilities
• Partner with Risk and Compliance and Operations to ensure real-time payments are secure compliant and resilient and every penny is accounted for
• Manage vendor and partner relationships — including Galileo (Payment Hub) the Federal Reserve (FedNow Fedwire) The Clearing House (RTP) and card network partners — to influence roadmaps negotiate terms and ensure SoFi's needs are met.
• Drive operational excellence — define SLAs monitor platform health reduce failure rates and build operational tooling that enables support teams to resolve issues quickly.
• Instrument and measure — define the metrics that matter (transaction success rate speed funds availability cost per transaction fraud rates complaints per rail) and build the data infrastructure to track them.

• 8+ years of product management experience with significant time in payments financial infrastructure or money movement platforms.
• Deep understanding of payment rails — you can explain the difference between FedNow Fedwire RTP ACH and card-based instant payments in your sleep. You understand message formats settlement mechanics cutoff times and regulatory requirements for each.
• Platform product management experience — you've built infrastructure or platform products that serve multiple internal or external customers not just a single consumer surface. You think in APIs contracts and capabilities not just screens.
• Experience with payment orchestration — routing logic fallback strategies rail selection transaction lifecycle management. Ideally you've worked with or built a payment hub or gateway.
• Vendor and partner management chops — you've managed relationships with processors networks or infrastructure vendors. You know how to influence a partner's roadmap when you're not their biggest customer.
• Comfort with compliance and risk — you understand AML/KYC/OFAC requirements for real-time payments Reg E implications and how to design for compliance without killing the user experience.
• Strong analytical skills — you use data to identify problems size opportunities and make decisions. You can define and instrument metrics from scratch when the data doesn't exist yet.
• Excellent communication — you can translate complex technical infrastructure into clear narratives for executive leadership business partners and operations teams.

• Experience at a bank neobank or bank-as-a-service provider (not just a fintech that rides on someone else's charter).
• Familiarity with Galileo's platform (Payment Hub Cyberbank Core) or similar core banking processors.
• Experience building for both consumer and commercial (B2B) use cases on the same platform.
• Background in real-time gross settlement (RTGS) systems cross-border payments or correspondent banking.
• Technical depth — you can read an API spec review an architecture diagram or write a SQL query to investigate an issue. You don't need to code but you're credible with engineers.

What We Do

SoFi wasn’t built to be a bank. Or a technology company. We were built for one mission: help people achieve financial independence so they can realize their ambitions. Redefining an entire industry isn’t easy work—and it’s not for the faint of heart. It takes a certain kind of team. People with diverse perspectives and expertise united by a common sense of purpose. People willing to challenge assumptions but always do the right thing. People proving that innovation and responsibility don’t have to compete but can come together to create something truly unconventional in the world. For the last eight years we’ve been charting this new path forward. We call it The SoFi Way. At SoFi we don’t just talk about culture: we live it. The SoFi Way is how we show up every day how we make decisions and how we build for our members clients and each other.

Why Work With Us

Together with our members we’re changing the way people think about and interact with personal finance. We’re a next-generation Fintech company using innovative mobile-first technology to help our members reach their goals. The industry is going through an unprecedented transformation and we’re at the forefront.

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