Who We Are
Cross River is a highly profitable, fast-growing financial technology company powering the future of financial services. Our comprehensive suite of innovative and scalable embedded payments, cards, and lending products deliver financial services for millions of businesses and consumers around the globe. Cross River is backed by leading investors and serves the world’s most essential fintech and technology companies. Together with its partners, Cross River is reshaping global finance and financial inclusion.
We are on a mission to build the infrastructure that propels access, inclusion, and the democratization of financial services. While our company has tripled in size over the last three years, our strong sense of purpose led Cross River to be named to American Banker’s list of Best Places to Work in Fintech for the last 6 years. The reason for this success is simple – our nimble and collaborative family culture lives in every member of our growing team. Together we are at the forefront of technology and innovation, and we invite passionate, collaborative, and motivated high performers to join our expanding team.
What We're Looking For
We’re seeking a dynamic Senior Product Manager to spearhead the development and execution of our Banking-as-a-Service (BaaS) and Core Banking platform. In this role, you will craft seamless, scalable, and efficient banking and payment experiences that empower our customers. The ideal candidate has a deep understanding of BaaS, coupled with strong technical and commercial expertise in fintech, and a track record of driving impactful product strategies. You will engage with a diverse audience—from software developers to fintech executives—requiring the ability to fluidly shift between technical details and high-level strategic discussions.
This is an exciting opportunity to shape the future of embedded finance and BaaS at Cross River. You’ll be part of a high-performing product team that thrives on innovation, challenges assumptions, and delivers results. We’re seeking someone who has strong judgment, moves fast, takes ownership, and continuously raises the bar for excellence.
If you’re passionate about fintech, infrastructure, and solving complex banking challenges, we’d love to hear from you.
Responsibilities:
- Define and execute the product strategy and roadmap for BaaS and Core Banking, ensuring alignment with business and partner needs.
- Own and enhance critical banking capabilities, including accounts, transactions, deposit sweeps, posting, and reporting functionalities.
- Develop and manage API endpoints, webhooks, and developer-facing documentation to improve integration efficiency for partner developers.
- Drive platform modernization efforts, including high-throughput core enhancements, platform redesign, and self-service reporting.
- Collaborate with CRB Operations, Partner Product Managers, Treasury, and Operations teams to deliver seamless banking experiences.
- Partner with design teams to refine customer and partner-facing user flows, ensuring a frictionless experience.
- Work closely with engineering to manage ongoing maintenance, system upgrades, and batch reporting improvements.
- Act as the primary liaison between internal stakeholders and external partners, ensuring alignment on product priorities and execution timelines.
Qualifications:
- 5+ years of Product Management experience in financial services, fintech, or technology, with a focus on BaaS, Core Banking, or Payments.
- Strong understanding of banking infrastructure, including deposit account management, transactions, ledgering, and compliance-related reporting.
- Experience working with APIs, developer portals, and partner integrations to drive seamless adoption of banking capabilities.
- Proven ability to collaborate across multiple stakeholders, including partner developers, operations teams, and treasury functions.
- Expertise in managing complex product roadmaps, prioritizing high-impact initiatives, and delivering results in fast-paced environments.
- Strong analytical mindset with a data-driven approach to decision-making and product optimization.
- Excellent communication skills, with the ability to translate technical concepts for non-technical stakeholders and vice versa.
Preferred Qualifications:
- Experience in designing and implementing self-service reporting tools and developer-first experiences.
- Familiarity with open banking, API-based financial services, and core banking systems.
- Knowledge of regulatory compliance and reporting requirements (e.g., 1099s, overdraft policies, statements).
- Passion for building financial infrastructure that enables fintech innovation and enhances financial inclusion.
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Salary Range: $160,000.00 - $200,000.00
Cross River is an Equal Opportunity Employer. Cross River does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.
By submitting your application, you give Cross River permission to email, call, or text you using the contact details provided. We will only contact you with job related information.
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What We Do
Cross River provides technology infrastructure powering the future of financial services. Leveraging a proprietary real-time banking core, Cross River delivers innovative and scalable embedded payments, cards, lending, and crypto solutions to millions of consumers and businesses. Cross River is backed by leading investors and serves the world’s most essential fintech and technology companies. Together with its partners, Cross River is reshaping global finance and financial inclusion. Member FDIC.
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