Principal Product Manager, Online Banking

Company Overview

Panacea Financial Holdings (“Panacea”) is a rapidly growing fintech and banking platform purpose-built to serve the unique financial needs of physicians, dentists, and veterinarians. Panacea is building the next-generation financial ecosystem for healthcare professionals—spanning practice finance, personal banking, patient finance, accounting / tax, advisory and payments.

Position Summary

We are seeking an experienced and highly strategic Principal Product Manager, Online Banking to lead complex, high impact product initiatives across our digital banking platform.

This individual will operate as a senior individual contributor, owning product strategy, roadmap development, and execution for critical online banking capabilities that support our long-term growth. The ideal candidate combines deep digital banking expertise, strong technical fluency, and business judgment to deliver intuitive, secure, and scalable banking experiences.

This role requires someone who can navigate ambiguity, influence senior stakeholders, and work closely with engineering, design, operations, compliance, and business leadership to deliver meaningful outcomes.

Key Responsibilities

Product Strategy & Leadership

• Translate company objectives into actionable product priorities and measurable outcomes.
• Own the product vision, strategy, and roadmap for complex, business critical product capabilities.
• Lead product discovery and research to uncover stated and latent customer problems, develop solution hypotheses, and rapidly test and validate them to learn and iterate toward the right solution.
• Identify opportunities to improve customer experiences, operational efficiency, and platform scalability.
• Serve as a strategic thought partner to the Head of Product and executive leadership.

Product Development & Execution

• Drive the full product lifecycle from discovery and requirements definition through launch and optimization.
• Partner closely with engineering and architecture teams to design scalable, secure, and reliable solutions.
• Lead complex initiatives involving multiple systems, integrations, stakeholders, and dependencies.
• Establish clear product requirements, success metrics, and delivery priorities.
• Navigate technical and operational tradeoffs while maintaining alignment with long term product strategy.

Online Banking Product Ownership

• Own the strategy and evolution of online banking capabilities, ensuring intuitive, secure, and scalable experiences for customers.
• Identify opportunities to improve digital banking functionality, customer engagement, and overall platform usability.
• Partner with engineering, design, and business teams to translate customer needs into effective digital banking solutions.
• Drive product initiatives involving digital banking platforms, APIs, integrations, and customer facing financial services capabilities.
• Define and monitor product performance metrics related to adoption, engagement, customer experience, and operational effectiveness.

Cross Functional Collaboration

• Partner with engineering, design, data, compliance, risk, operations, and business teams to ensure successful product delivery.
• Influence priorities and decisions across teams without relying on direct authority.
• Communicate product strategy, progress, risks, and recommendations to senior leadership.

Qualifications & Experience

Required

• 10+ years of experience in product management, including significant ownership of complex technology products.
• Experience in fintech, financial services, banking technology, payments, or related industries.
• Demonstrated success leading major product initiatives from strategy through launch.
• Experience with AI-enabled products and automation, with a strong bias toward hands-on learning and experimentation.
• Strong technical understanding of APIs, integrations, data flows, and modern software architecture.
• Experience working closely with engineering teams on complex platforms or enterprise technology solutions.
• Strong analytical skills with the ability to use data to inform prioritization and measure success.
• Exceptional stakeholder management, communication, and strategic problem-solving skills.
• Ability to operate independently and influence decisions at the executive level.

Preferred

• Experience leading 0-to-1 product development and navigating high levels of ambiguity.
• Experience building and scaling digital banking or online banking products within fintech or financial services organizations.
• Familiarity with digital banking platforms, online account servicing, payments, money movement, and customer authentication.
• Experience optimizing digital customer experiences through product analytics, user research, and data driven decision making.
• Experience integrating digital banking solutions with core banking systems, third party providers, and financial services APIs.
• Experience applying Marty Cagan’s Product Operating Model principles in practice.
• Experience building products in regulated financial services environments.
• Experience scaling products in high growth fintech organizations.