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Salary: USD 220,000 - 320,000 / annual
PAYO Digital Bank, N.A., Payoneer's national trust bank subsidiary, is seeking a strategic, execution-focused Head of Product to own the product vision and roadmap for the bank's core offering: stablecoin issuance and redemption, customer onboarding, and on/off-ramp experiences built on the bank's core ledger and custody infrastructure.
This is a high-impact, high-visibility role reporting directly to the Chief Technology Officer of PAYO Digital Bank. You will define and own the end-to-end product vision for PAYO-USD issuance, redemption, and payment flows, sequenced against the bank's regulatory milestones from pre-opening exam readiness through controlled pilot to general availability.
Key responsibilities include:
- Owning product vision and roadmap with clear sequencing against regulatory milestones
- Acting as the ultimate unblocker for the engineering team, driving ruthless prioritization and managing technical trade-offs to ensure on-time delivery without compromising compliance
- Partnering with Compliance to embed KYC, sanctions screening, and transaction monitoring controls directly into product flows, documenting user journeys to regulatory examination standards
- Designing controlled pilot programs, including transaction volume caps, staged merchant onboarding, and clearly defined launch criteria
- Owning product requirements for the bank's core banking, custody, screening, and oracle infrastructure partners
- Shaping product requirements supporting proof-of-reserve attestation so stablecoin holders can verify 1:1 backing
- Representing product decisions to the board, management committees, and OCC examiners
You will work in an environment where compliance is a design input, not an afterthought, and hold a roadmap to a regulatory clock with disciplined launch gates.
REQUIREMENTS:
- 10+ years of product management experience, including 5+ years in payments, banking, or digital assets
- Direct experience shipping products inside a regulated financial institution, ideally under OCC, Federal Reserve, or state banking supervision
- Demonstrated success taking a complex product from concept to launch, navigating technical dependencies, pilot design, and staged rollouts
- Working knowledge of stablecoin mechanics: mint/burn flows, reserve backing, redemption rights, and on-chain/off-chain reconciliation
- Demonstrated ability to build compliance requirements into core product architecture rather than bolting them on afterward
- Strong written and verbal skills; comfortable producing documentation reviewed by regulators and external auditors, and presenting to examiners
NICE-TO-HAVE:
- Understanding of the Permitted Payment Stablecoin Issuer framework (GENIUS Act)
- Experience serving SMB or cross-border payments customer bases
