Senior Lead Product Manager (API/Mobile)

Early Warning Services, LLC

Scottsdale, AZ

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JOB DETAILS

SALARY

$150,000–$200,000 Per Year

SKILLS

3DS, A/B Testing, API Documentation, Affirmative Action, Agile Programming Methodologies, Android, Android Applications, Apple, Application Programming Interface (API), Audiovisual, Authentication, Automation, Business Growth, Business Support, Channel Strategies, Chargebacks, Cloud Computing, Communication Skills, Corporate Law, Cross-Functional, Customer Acquisition, Customer/Client Research, Customer/Consumer Behavior, Data Modeling, Data Science, Ecosystems, Emerging Technology, Equal Employment Opportunity (EEO), Establish Priorities, Family Planning, Federal Laws and Regulations, File Management, Financial Services, Financial Systems, Flexible Spending Accounts, Genetics, Health Plan, Incentive Programs, Industry/Trade Analysis, Interviewing Skills, JSON, Leadership, Leading Edge Technology, Legal, Maintain Compliance, Marketing, Maven, Meet Sales Quota, Metrics, Mobile Payments, Network Security, PCI-DSS, Pediatrics, People Management, Performance Metrics, Physical Demands, Preferred Provider Organization (PPO), Problem Solving Skills, Product Backlog, Product Design, Product Development, Product Engineering, Product Management, Product Planning, Product Strategy, REST (Representational State Transfer), Regulations, Reporting Dashboards, Requirements Management, Research Skills, Resolve Customer Issues, Risk, Risk Management, Risk Modeling, Sales, Sales Closing Skills, Salesforce.com, Small Business, Standards Development, State Laws and Regulations, Strategic Planning, T-2 / DS2, Team Player, Technical Delivery, Technical Leadership, Testing, Usability Testing, User Interface/Experience (UI/UX), Validation Testing, Website Conversion, XML (EXtensible Markup Language), iOS

LOCATION

Scottsdale, AZ

POSTED

Today

At Early Warning, we've powered and protected the U.S. financial system for over thirty years with cutting-edge solutions like Zelle , Paze , and so much more. As a trusted name in payments, we partner with thousands of institutions to increase access to financial services and protect transactions for hundreds of millions of consumers and small businesses.

Positions located in Scottsdale, San Francisco, Chicago, or New York follow a hybrid work model to allow for a more collaborative working environment.

Candidates responding to this posting must independently possess the eligibility to work in the United States, for any employer, at the date of hire. This position is ineligible for employment Visa sponsorship.

We are looking for a hands on technical product manager to help shape Paze Mobile SDKs as we look to simplify integrations for mobile first merchants. This role will work closely with our merchants, solutions and implementations team to ensure we can continuously drive down the time to integrate for merchants on iOS and Android platforms.

Overall Purpose

The Senior Lead Product Manager is the champion responsible for evaluating and determining the product(s) and/or features to be built and delivered to our customers. The role will build, align, and motivate a cross functional team to develop a common understanding of the customers' pain points and the passion to solve issues and develop innovative solutions that delight customers. The role may lead multiple products.

Essential Functions

Visionary and Strategist: Builds the right cross-functional team to obtain a common understanding of customer pain points, empathy and excitement for solving customer issues and driving product revenue. Articulates product strategy and vision across the enterprise across multiple products.
Customer Passion and Advocacy: Brings the customer viewpoint to the product design process with a demonstrated competency to actively listen to customer feedback across all touchpoints and channels; to routinely leverage this feedback into insights; and to build products and services that delight and inspire.
Creative Problem Solver: Works closely with marketing, research, analytics, design and development partners, uses technical savvy and customer insights to develop real world solutions working in a highly collaborative environment. Uses insights about the market and industry to drive development of value-added solutions for customers.
Commitment to Risk Management: Oversees the integration of strong risk and security controls. Ensures compliance to laws and regulations.
Technical Understanding: Able and adept at working directly with the technologists to deliver market solutions. Clearly defines requirements, grooms user stories, motivates technical teams and partners with technology closely

Area of Specialty: Mobile In-App Payments

Define the product vision and roadmap for in-app payments across native Android and iOS apps, aligning with business, growth, and risk objectives.
Identify user pain points and optimization opportunities throughout the mobile checkout funnel (e.g., cart to conversion).
Own the product backlog for mobile payment flows, card-on-file management, and recurring payment enablement.
Collaborate with UX, analytics, and engineering to build frictionless payment experiences, including saved cards, autofill, biometric authentication, and instant retry on failure.
Balance conversion vs. security trade-offs when enabling SCA (Strong Customer Authentication) and risk-based authentication methods.
Define API requirements and integration logic with backend payment services, token vaults, and PSPs (payment service providers).
Partner with engineering to manage feature rollout, latency performance, and mobile SDK/API documentation.
Work with third-party PSPs, card networks, and fraud tools to integrate new capabilities (e.g., Google Pay, Apple Pay, BNPL, Pay by Bank).
Ensure global compliance with regional mandates (e.g., PSD2, RBI tokenization, 3DS2, PCI DSS) in the payment experience.
Define and track metrics like authorization rates, drop-off points, transaction success/failure, retries, chargebacks, and fraud.

Area of Specialty: Analytics

Own the roadmap for our internal analytics capabilities, partnering with data teams to ensure reliable event tracking, user segmentation, and behavioral insights.
Define and standardize north star metrics, funnel KPIs, and lifecycle analytics for digital products.
Drive adoption of self-service analytics tools and dashboards for product and design teams.
Build and scale a structured experimentation program across teams - including test planning, success metrics, statistical confidence, and rollout logic.
Evaluate and prioritize A/B test ideas based on user impact and confidence level; ensure learning is captured, shared, and reused.
Collaborate with engineering and data science to implement robust testing infrastructure (e.g., feature flagging, traffic split logic, metrics pipelines).
Establish a user research practice to bring continuous, qualitative insights into the product development cycle.
Partner with designers, PMs, and researchers to conduct interviews, usability tests, concept validation, and diary studies.
Integrate UX research with behavioral analytics to create a holistic view of user experience and journey friction.
Serve as a strategic thought partner to product leaders, helping guide roadmap decisions based on insights and experimentation results.
Collaborate with marketing, customer success, and operations teams to close the loop on customer behavior and feedback patterns.
Champion a culture of learning, hypothesis-driven development, and customer empathy.

Area of Specialty: Fraud Risk Management

Define the product vision and roadmap for fraud and authentication across Paze, aligning with business, growth, and risk objectives.
Identify user pain points and optimization opportunities related to fraud and authentication controls (e.g., minimizing risk false positives).
Own the product backlog for Paze fraud and authentication solutions, including 3rd party vendor integrations and partner APIs.
Work with third-party PSPs, card networks, and fraud tools to integrate new capabilities.
Balance conversion vs. risk trade-offs when enabling MFA (Multi factor authentication) and risk based authentication methods.
Define and track metrics like approval rates, conversion funnels, transaction performance, and fraud.

Minimum Qualifications

Education and/or experience typically obtained through completion of a bachelors degree.
9 or more years of related work experience OR post-secondary degree and at least 4 years of related work experience
Demonstrated experience in design thinking and agile development process and methodology
Demonstrated leadership experience and cross functional collaboration experience
Proven experience in and passion for building and delivering great products
Demonstrated experience in setting a product strategy, roadmap and in meeting product revenue targets
Excellent listening and execution skills
Background and drug screen

Area of Specialty: Salesforce

In-depth understanding of Salesforce capabilities (Sales Cloud, Service Cloud, Experience Cloud, Agentforce, etc.) and a working knowledge of Salesforce customization, automation, and integration.

For Data Specific Product Roles

Previous experience working with financial services and alternative data in risk model building
Background and familiarity with API ecosystem (REST, JSON, XML, Swagger, YAML)
5 or more years of related work experience in Analytics, model building or data engineering

Preferred Qualifications

Master's degree
Certifications in design thinking and/or agile.
Prior experience working in payments, financial services or similar regulated industry.
People management experience.

For API roles:

Additional Essential Functions include:

API Expertise : Collaborates with Engineering / Architecture / Integration Support teams to ensure delivery of developer-friendly APIs that are fit for purpose. Brings a strong point of view to good API design and develops detailed product specifications and use stories to help build APIs. Acts as the primary point of contact for API-related inquiries and support for internal and external stakeholders. Stays up to date with industry trends and emerging technologies to inform product development and strategy. Facilitates training and adoption of users and developers to ensure successful API adoption.

Additional Minimum Qualifications:

Demonstrated experience in building a product strategy and roadmap for API offerings.
Understanding Open API specs.
Demonstrated experience in setting a product strategy, roadmap and in meeting product revenue targets for API products.

Additional Preferred Qualifications:

Prior experience with building (rather than using) APIs in the PM role.
Non-product background in engineering, architecture, software solutions with the focus on APIs.

The above job description is not intended to be an all-inclusive list of duties and standards of the position.

Physical Requirements

Early Warning works together in a highly collaborative office environment. As such, working conditions consist of a normal office environment. Work is primarily sedentary and requires extensive use of a computer and involves sitting for periods of approximately four hours. Work may require occasional standing, walking, kneeling and reaching. Must be able to lift 10 pounds occasionally and/or negligible amount of force frequently. Requires visual acuity and dexterity to view, prepare, and manipulate documents and office equipment including personal computers. Requires the ability to communicate with internal and/or external customers.

Employee must be able to perform essential functions and physical requirements of position with or without reasonable accommodation.

Candidates responding to this posting must independently possess the eligibility to work in the United States at the date of hire.

The base pay scale for this position in:
Phoenix, AZ/ Chicago, IL in USD per year is: $150,000 - $200,000.
New York, NY/ San Francisco, CA in USD per year is: $180,000 - $210,000.
Additionally, candidates are eligible for a discretionary incentive plan and benefits.

This pay scale is subject to change and is not necessarily reflective of actual compensation that may be earned, nor a promise of any specific pay for any specific candidate, which is always dependent on legitimate factors considered at the time of job offer. Early Warning Services takes into consideration a variety of factors when determining a competitive salary offer, including, but not limited to, the job scope, market rates and geographic location of a position, candidate's education, experience, training, and specialized skills or certification(s) in relation to the job requirements and compared with internal equity (peers). The business actively supports and reviews wage equity to ensure that pay decisions are not based on gender, race, national origin, or any other protected classes.

#LI-AV

#Dice

Some of the Ways We Prioritize Your Health and Happiness

Healthcare Coverage -Competitive medical (PPO/HDHP), dental, and vision plans as well as company contributions to your Health Savings Account (HSA) or pre-tax savings through flexible spending accounts (FSA) for commuting, health & dependent care expenses.
401(k) Retirement Plan -Featuring a 100% Company Safe Harbor Match on your first 6% deferral immediately upon eligibility.
Paid Time Off - Flexible Time Off for Exempt (salaried) employees, as well as generous PTO for Non-Exempt (hourly) employees, plus 11 paid company holidays and a paid volunteer day.
12 weeks of Paid Parental Leave
Maven Family Planning - provides support through your Parenting journey including egg freezing, fertility, adoption, surrogacy, pregnancy, postpartum, early pediatrics, and returning to work.

And SO much more! We continue to enhance our program, so be sure to check our Benefits page here for the latest. Our team can share more during the interview process!

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

Early Warning Services, LLC ("Early Warning") considers for employment, hires, retains and promotes qualified candidates on the basis of ability, potential, and valid qualifications without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote equal employment opportunity and affirmative action, in accordance with all applicable federal, state, and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our employees.

About the Company

Early Warning Services, LLC

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