Product Manager

Job Title: Product Manager

Location: Austin, Texas / in office 3-4 days per week

About Us:
At Austin Capital Bank we’re not just a bank and fintech company; we’re a dynamic team that’s all about innovation and building products that help people. Our commitment to creating meaningful user experiences drives everything we do, and we’re rapidly growing while keeping that start-up spirit alive. If you're eager to make an impact in the tech world, let's chat!
Austin Capital Bank is one of the fastest growing companies in the nation, receiving recognition on the INC 5000 five years in a row. Austin Business Journal also recognized Austin Capital Bank in its Fast 50 list for the fastest growing companies in Central Texas.  We ranked #8 in companies with over $10 million per year in revenue.  
We think and act like an entrepreneurially driven start-up BUT one that is profitable – the best of all worlds.  Using our bank as a platform, we’re growing quickly and expanding into new digital markets and product categories at a rapid pace.
 
With all this opportunity and growth, we need exceptional individuals to join our team and enable our vision. 

Our Core Values 
Companies are defined by their core value and we hold these near and dear to our heart.

• Take Initiative – A bias to action – proactive vs reactive
• No Big Egos – Self-confidence with humility 
• Honesty – Direct forthright communication 
• Wicked Smart – Intellectually and emotionally self-aware 

Job Summary:  
Austin Capital Bank is looking for a Product Manager to own and drive product strategy across our growing portfolio of consumer fintech and Banking-as-a-Service products. This is a high-ownership, high-visibility role that sits at the center of everything ACB builds.

You will define product vision, prioritize roadmaps, write PRDs and user stories, lead cross-functional delivery teams, and own outcomes — not just output. You will be expected to move fast, leverage AI tools to accelerate research and decision-making, and bring a proactive point of view on where the product should go before anyone asks for it. This role requires equal parts strategic rigor and hands-on execution: one day you’re writing acceptance criteria, the next you’re presenting a roadmap to the team.
  
Requirements: 

• Own end-to-end product lifecycle for one or more ACB fintech products — from discovery and roadmap prioritization through delivery, launch, and post-launch performance tracking.
• Define and articulate product vision and strategy grounded in market research, competitive analysis, customer needs, and regulatory constraints.
• Write high-quality PRDs, user stories, and acceptance criteria that give engineering and QA a clear, unambiguous target to build and test against.
• Lead KYC/KYB digital onboarding workflows and design product experiences that balance compliance requirements with customer conversion and usability.
• Develop financial models, pricing structures, and revenue analyses to inform product prioritization and business case development.
• Use data to drive decisions — pull and interpret behavioral analytics from platforms like Heap and Contentsquare, write SQL queries when needed, and design A/B experiments to validate hypotheses before committing resources.
• Leverage AI tools proactively to accelerate competitive research, PRD drafting, user research synthesis, and experiment design — and bring new methods to the team without being asked.
• Coordinate with engineering, QA, UX, operations, compliance, and marketing to drive delivery and manage releases with rigor and accountability.
• Monitor product KPIs, adoption, engagement, fraud indicators, and operational health post-launch; identify issues and iterate quickly.
• Represent the product to internal stakeholders, external partners, and regulators — with the confidence to defend a position and the humility to update it when the data says otherwise.

  
Key Responsibilities: 
1. Product Strategy & Roadmap Ownership

• Define and maintain product roadmaps aligned to ACB’s strategic objectives, regulatory requirements, and market opportunity.
• Prioritize ruthlessly across a large backlog — balancing customer value, compliance obligations, technical debt, and revenue impact.
• Conduct competitive and regulatory landscape analysis to ensure ACB products stay ahead of the market and inside the lines simultaneously.

2. Data-Driven Experimentation & AI-Augmented PM

• Design and interpret A/B and multivariate experiments across onboarding, engagement, and payment flows; iterate rapidly based on results.
• Pull and analyze product data using SQL and behavioral analytics tools (Heap, Contentsquare, Snowflake) to form and test hypotheses independently.
• Use AI tools to compress research cycles, synthesize user feedback, draft product specs faster, and model experiment outcomes — and proactively introduce new AI methods that improve team velocity.

3. Cross-Functional Leadership & Stakeholder Management

• Lead agile delivery teams — sprint planning, backlog refinement, and release coordination with engineering, QA, UX, and operations.
• Train internal support and operations teams on new features before launch; maintain product documentation, and integration guides in Confluence.
• Escalate and resolve product issues proactively — from fraud flags and service outages to customer support triage — before they become systemic.

4. New Product Development

• Contribute to pre-development product definition for new products, including competitive landscape analysis, target customer segmentation, advance mechanics, pricing, and eligibility rules.
• Collaborate cross-functionally with risk, legal, compliance, and engineering on vendor evaluation, and go-to-market sequencing.

Qualifications: 
Education

• Bachelor’s degree in Business, Computer Science, Finance, Economics, or a related field. MBA or equivalent graduate degree is a plus.
• Formal training or certification in product management, agile delivery, or data analytics is a differentiator.

Experience

• 2-5 years of experience in Product Management, with experience in fintech, consumer lending, digital banking, or a similarly regulated technology environment.
• OR – if you’re a current undergraduate, master students, or early career professionals, and are a yet-to-be discovered rockstar with high proven potential (posers will be filtered out quickly) – tell us about your superpowers.
• Demonstrated track record of owning and shipping consumer-facing digital products end-to-end, from discovery through post-launch iteration.
• Experience writing and managing detailed PRDs, user stories, and acceptance criteria in a fast-moving agile environment.
• Experience working with compliance, legal, and risk teams to navigate banking regulations as product constraints — not blockers.
• Experience with BaaS, payment rails, accounting, or core banking platforms is a strong plus.
• Experience with KYC/KYB digital onboarding and identity verification workflows (Jumio, CLEAR, Sentilink, Experian, or equivalent) is a differentiator.

Skills

• Strong SQL skills — you can pull your own data, build your own queries, and not wait for an analyst to tell you what’s happening in your product.
• Proficiency with behavioral analytics platforms (Heap, Contentsquare, Amplitude, or equivalent) and A/B testing frameworks.
• Comfort with AI-powered PM tools and a clear bias toward using them — for research, spec writing, competitive analysis, and experiment design.
• Expert ability to write clear, concise product requirements that engineering and QA can execute without repeated clarification rounds.
• Demonstrated ability to build financial models, unit economics analyses, and revenue projections in support of product prioritization.
• Strong working knowledge of payment rails: ACH, RTP, wire, card push (Visa Direct / Mastercard Send), and settlement mechanics.
• Familiarity with Jira, Confluence, and agile delivery tooling — you know how to run a clean sprint and keep a project on track.
• Exceptional communication and interpersonal skills — able to write a crisp executive summary, run a tight product review, and hold your own in a regulatory conversation.
• You’ll be building products for: Consumers rebuilding their financial lives. Families protecting their children’s identities. Savers protecting their life savings from fraud. And fintech partners who need a bank that can actually move fast.

Human Resources: [email protected]