This is a senior individual-leadership role. You'll lead through ownership, clarity, and influence.
What you'll own
The portfolio – payments processing, Balance (banking), Capital (lending), instant payouts, territory expansion and new business opportunities
New standalone initiatives – identify, scope, and drive new bets that leverage HB's financial products for the member base, from idea through PMF.
The market pulse – track where payments, fintech, and embedded finance are moving; bring the developments that can help HB members before competitors do.
The vendor stack – Stripe, Plaid, Unit, QuickBooks. Contract negotiation, escalations, roadmap alignment and more
The economics – GPV, take-rate, unit economics, margins, fraud loss appetite, vendor cost. You own and defend the numbers.
What we're looking for:
We're not looking for a process operator. We're looking for a commercial product leader who happens to love fintech – operating at the exceeding-the-standard bar from day one:
Ownership & agency. You own outcomes end to end – including the decision to continue, scale, reshape, or stop. You set the decision framework (problem, success, assumptions, tradeoffs, kill-signals) before work starts and keep the team honest against it. You don't wait for someone to tell you how the work will be judged.
Operates in ambiguity. When the problem isn't defined, you make assumptions explicit, pressure-test them fast, and move. A fast, imperfect call beats waiting for perfect analysis – and you know the blast radius.
Judgment & taste. You bring a clear point of view, synthesize inputs into a defensible recommendation, and don't default to the average of what stakeholders said. You can name weak logic and a solution that isn't good enough yet – including in others' work.
Commercial instincts. You think in pricing, margin, take-rate, unit economics, and vendor cost. You can read a P&L and a contract and tell us what's hiding in it.
Show, don't tell. You'd rather put a model, prototype, or one-pager in front of the team than run another meeting.
AI-driven velocity. You build tools, prompts, and workflows that embed your thinking so the team moves without waiting on you. The bottleneck isn't you – that's the point.
Customer obsessed. You're in our members' businesses regularly. You can tell a real pattern from a loud opinion.
High ownership, low ego. You see a fire, you put it out, even if it's not "yours."
Experience:
8+ years of product management experience.
Deep domain in payments, fintech, or B2B financial products – you've shipped against Stripe / Adyen / Square / Plaid / a BaaS platform / lending infra.
Track record of building 0-to-1 and scaling live products to find PMF.
Comfortable as the named executive counterpart to vendor and partner leadership.
US – international expansion (UK/EU/AU) in payments.
Experience with regulatory and fraud challenges.
