Principal Product Manager, Core Banking

We are looking for a Principal Product Manager to drive product strategy and product management across the Core Banking domain and to own the most complex, cross-functional core related initiatives. This is a senior individual-contributor role: you set direction, connect product strategy to the platform's technical strategy, and deliver measurable outcomes in partnership with engineering.

You will operate with a high degree of autonomy, sponsoring pre-consensus bets with a written thesis, setting operating rhythms for the Core PM group, and influencing VP/SVP stakeholders through documented trade-offs. You will be an authority on how a core banking system actually works - down to posting logic - and pair that with strong traditional product-management judgment across pricing, risk, product performance, compliance, legal, GTM, and partnerships.

- With your PM colleagues, own and drive product strategy and roadmap across multiple Core domains (e.g., deposits, postings/ledger, product factory, transactions) and the end-to-end core product.

- The most complex cross-company initiatives - including core conversion enablement and US market-expansion capabilities.

- Connecting product strategy to org-level technical strategy; anchoring build vs. buy vs. partner.

- Product GTM with measurable outcomes and documented reviews, in partnership with Marketing, Sales, Ops, and client teams.

- Operating models and planning frameworks for the Core PM group; standards and playbooks other PMs build on.

- Regulatory posture and responsible-AI principles embedded into the Core product.

- With your PM colleagues define and own multi-domain product strategy and the multi-quarter roadmap for Core Banking.

- Translate business, regulatory, and client needs into clear product outcomes; frame problems others haven't yet articulated.

- Make informed trade-offs across speed, quality, scalability, and regulatory requirements.

- Partner with Engineering Managers on prioritization, sequencing, planning, and dependency management across teams and squads.

- Set operating rhythms and planning frameworks; remove cross-team hurdles and drive quality and velocity improvements.

- Maintain a coherent, prioritized product direction as priorities shift.

- Act as the senior product interface for business, operations, compliance, risk, legal, and technology stakeholders.

- Influence VP/SVP decisions through documented prioritization and signed trade-offs (timeline, risk, cost).

- Represent the Core product with external banking clients and internal SoFi Bank partners.

- Apply posting-logic-level understanding of core banking (accounts, double-entry ledger, postings, interest, product catalog, batch vs. real-time).

- Challenge business architectural assumptions at the system and cross-org level; prevent unnecessary complexity and maintenance burden.

- Ensure the Core product meets the requirements of US-chartered banking entities.

- Deep, hands-on understanding of the inner workings of a core banking system - ideally at the posting-logic / double-entry ledger level.

- A track record of building or product-managing a core banking product itself (a platform/vendor perspective) - as opposed to running core conversion or transformation programs inside a bank.

- Strong traditional product-management background across several of: pricing, risk, compliance, product performance, legal, communication, partnering, and go-to-market.

- A very good understanding of the US banking market and its regulatory environment.

- 10+ years of professional experience, with significant time in Product Management for complex, regulated technology platforms.

- Demonstrated ability to drive strategy across multiple product areas and lead the most complex cross-functional initiatives with a high degree of autonomy.

- Excellent written and verbal communication in English; able to shape company-level product communication and executive-ready written theses.

- LatAm core banking exposure and/or Spanish-language proficiency.

- Experience with modern, API-first, cloud-native core platforms and microservices architectures.

- Familiarity with the competitive landscape (e.g., Thought Machine, 10x, Mambu, Finxact, FIS, Fiserv, Jack Henry, Temenos).

- Experience selling or supporting a core platform for external financial-institution clients as well as an in-house bank.