Product Manager, Business Money – SMB Banking

Gusto

. Own and deliver core workstreams across small business banking, including application and identity verification, account linking, funding, payments, cards, servicing, and customer-facing product surfaces .

Posted 9/30/2026full-timeSan Francisco • California • United StatesSeniorLead💰 $184,000 - $230,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in product management within fintech and banking, focusing on small business banking solutions, customer experience design, and data-driven decision-making. Proven ability to navigate regulatory complexities and partner with cross-functional teams to drive product growth and adoption.

Highest-signal resume keywords

Product Management ExperienceFintech ExpertiseBusiness Banking KnowledgeExperimentation PracticesRegulatory Understanding

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Product DevelopmentAccount LinkingPayments ProcessingData AnalysisKPI DefinitionCustomer Experience DesignOnboarding FlowsBaaS PlatformsMoney Movement RailsDeposit Products

Soft Skills

OwnershipBias Toward ActionComfort with AmbiguityEffective PartnershipProblem-Solving

Tools & Technologies

Gusto Payroll EcosystemExperimentation ToolsData Analytics PlatformsCompliance Management Systems

Industry Keywords

Small Business BankingFintech InfrastructureRisk ManagementLegal CompliancePartner Bank Relationships

Tech Stack

Tools & technologies

Ruby on Rails

About the role

Key responsibilities & impact

Own and deliver core workstreams across small business banking, including application and identity verification, account linking, funding, payments, cards, servicing, and customer-facing product surfaces
Own growth and adoption from acquisition through funded, active accounts, with continuous funnel experimentation
Take responsibility for business outcomes as a true workstream owner
Serve as the fintech infrastructure and payments expert who untangles complexity and ships durable systems
Use Gusto's payroll ecosystem to build banking features unique to its position
Define how banking connects to the Gusto platform and make the account the default funding source for business operations
Design self-serve experiences that resolve customer friction in-product
Coordinate daily with Product, Engineering, Design, Data, Risk, Compliance, Legal, and Operations
Partner with external vendors, including partner banks, banking infrastructure providers, and card processors
Understand small-business cash-flow uncertainty and team-spending dynamics to craft effective product narratives
Define and own KPIs for account opening, funding, deposit growth, and primacy; use data to prioritize, learn, and iterate

Requirements

What you’ll need

7+ years of product management experience in fintech, banking, or adjacent industries
Hands-on familiarity with business banking, BaaS platforms, deposit products, or money movement rails
Bonus for experience with KYB/onboarding flows, ledgering, or partner bank relationships
Experience taking products from pre-beta to launch in 0→1 environments with limited resources
Experience running experimentation practices, including hypothesis, test design, readout, and decision-making
Understanding of the regulatory and operational complexity of banking products
Ability to partner effectively with Risk, Legal, and Compliance teams
Bias toward action, comfort with ambiguity, and strong ownership
Deep interest in small businesses and building trusted financial products

Benefits

Comp & perks

Competitive base pay
Benefits
Equity (RSUs)
Secure, reliable, and consistent internet connection requirement when approved to work outside a Gusto office
Reasonable accommodations for qualified individuals with disabilities and disabled veterans