Principal Product Manager, Treasury and Financial Platform

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Who we are:

Shape a brighter financial future with us.

Together with our members, we’re changing the way people think about and interact with personal finance.

We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.

At SoFi, we’re on a mission to help our members get their money right and become a Top 10 Financial Institution. Beyond that, we’re building the “AWS of Banking” — modern, scalable platforms that power financial services.

We’re looking for a Principal Product Manager to own the core financial platform infrastructure that powers our ledgers, treasury operations, reconciliation, and settlement systems.

You’ll build and operate the foundational systems that ensure every dollar moving through SoFi is accurately recorded, reconciled, and settled. This includes ledger and subledger services, reconciliation and settlement automation, cash management capabilities, and internal tools that enable Finance and Operations to run efficiently at scale.

You’ll partner closely with Engineering, Finance, Accounting, Treasury, Risk, and Product teams to deliver reliable, auditable, and scalable financial infrastructure that supports all money movement across the company.

Key Responsibilities:

• Own the strategy and roadmap for core financial infrastructure: general ledger, subledger, reconciliation, settlement, and treasury services.

• Deliver a reliable financial source of truth that supports payments, deposits, lending, and other money movement products.

• Modernize legacy and manual processes into automated, cloud-native systems and operational tooling that adheres to financial regulations and evolving audit expectations

• Define transaction models, posting logic, schemas, and accounting workflows and build scalable, auditable ledger services and internal APIs used across product teams.

• Manage migrations, backward compatibility, and data integrity during platform evolution.

• Design and ship reconciliation systems that match internal ledgers with external partners and networks and support reconciliation and settlement across ACH, Wires and emerging rails

• Partner with Treasury to enable cash positioning, liquidity management, intercompany flows, and forecasting.

• Support multi-currency and cross-border flows as needed.

What you'll need:

• Bachelor’s degree or higher, ideally in a technical, finance, or quantitative field.

• 8+ years of product management experience, ideally with consumer fintech, personal finance, or intelligent assistant products.

• Deep domain knowledge or exposure to accounting, general ledger, subledger, financial data management, cash management, reconciliation, and process automation. Able to partner credibly with Treasury, Finance, Operations, and Accounting stakeholders to define outcomes, ideally with exposure to CFA-level concepts

• Significant experience and deep understanding of financial infrastructure, ERP environments, banking general ledgers, accounting systems, financial reconciliation, and money movement systems such as ACH and Wire

• Experience with one or more of the following: banking core architecture, suspense and clearing accounts, payment orchestration, multi-currency, intercompany accounting, tax, digital assets, Fed settlement

• Experience with accounting systems such as Oracle, Workday, SAP and/or experience with Treasury systems and reconciliation tools such as Modern Treasury, Kyriba, Cadency, SAP, CCH Tagetik

• Experience managing large-scale migrations or re-platforming efforts

• High degree of ownership and a strong bias for action in driving initiatives to completion

• Uses data to proactively identify and validate problems and focus on needle-moving solutions

• Passionately advocates for the end user experience, deeply understands their needs and pain points, and designs solutions that prioritize their satisfaction and trust.

• Not afraid to dive into the details and perform hands-on tasks as needed. Combines strategic thinking with practical execution.

• Exceptional collaboration skills with a proven ability to influence cross-functional teams, build consensus, and foster strong working relationships with stakeholders.

• Excellent verbal and written communication skills, capable of effectively presenting complex information to various audiences, including executive leadership.

• Proven ability to develop and execute comprehensive long-term strategies, understanding complex systems, and navigating regulatory landscapes to achieve business objectives.

Compensation and Benefits

The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.

To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!

SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.

The Company hires the best qualified candidate for the job, without regard to protected characteristics.

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

New York applicants: Notice of Employee Rights

SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email [email protected].

Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.

Internal Employees

If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.