Principal Product Manager

Initialized Capital is a profitable, mission-driven fintech company building financial solutions for people whose needs go unmet by traditional institutions. They are seeking a Principal Product Manager to lead the development of banking and card partnership capabilities, balancing customer needs with technical and regulatory constraints.

Responsibilities:

• Own product areas related to our card and family banking partner ecosystem, helping shape both near-term execution and long-term strategy
• Work directly with bank partners and sophisticated external clients to understand needs, shape a compelling “why,” solve problems collaboratively, and turn partnership opportunities into scalable products and systems
• Build full-stack fintech products spanning customer experience, operational workflows, APIs, payment rails, and partner infrastructure
• Partner deeply with engineering, design, operations, compliance, customer support, and go-to-market teams to ensure we are building the right things in the right sequence - and shipping them with high quality
• Use AI, prototyping, data, customer conversations, and direct product exploration to accelerate learning and compress feedback loops
• Bring clarity to ambiguity. Navigate competing priorities, evolving constraints, and operational complexity while helping the broader organization stay focused on what matters most
• Lead through influence, judgment, and execution rather than org structure or management authority
• Go deep when execution requires it - refining edge cases, writing clear specs, improving operational processes, and unblocking teams

Requirements:

• An experienced product leader with 10+ years in product management and deep fintech experience, with strong instincts around how financial products actually work in the real world
• Someone who loves being an individual contributor and wants to stay close to the work: solving problems, shipping products, refining systems, and collaborating directly with teammates and customers
• Comfortable moving fluidly between big-picture strategy and nitty-gritty implementation details, especially in complex, fast-moving environments with many stakeholders and competing constraints
• Strong with both external partners and internal stakeholders - thoughtful, credible, low-ego, and able to build trust quickly across a wide range of audiences
• Technically curious and architecturally literate. You want to understand how the systems work underneath the product, not just what appears on the surface
• Motivated more by customer impact, execution, and building excellent products than by status, empire-building, or trend-chasing
• Comfortable working in ambiguity and complexity, with the ability to bring structure, clarity, and momentum to difficult cross-functional problems
• Deeply curious, intellectually honest, and highly evidence-driven. You're comfortable changing your mind when the facts change
• Excited by the opportunity to help build infrastructure and products that genuinely improve people's financial lives
• You may also have experience in operations, strategy, management consulting, or other highly analytical and cross-functional environments - but wherever you come from, you're ultimately motivated by building excellent products and solving real problems for real people