Product Manager II at Coastal

ABOUT US Coastal is at the forefront of modern banking, combining strong financial infrastructure with cutting-edge Banking-as-a-Service (BaaS) and fintech enablement strategies. We support not only individuals with their personal banking needs; we also empower businesses by integrating modern banking technology that drives growth, flexibility, and innovation. At Coastal, we think and move like entrepreneurs; focused on impact, speed, and continuous improvement. We believe in working smart, collaborating deeply, and building solutions that unlock real potential. If you're someone who thrives in a fast-moving environment, loves solving complex problems, and wants to help shape the future of banking, we’d love to meet you. Check out our video here [Upgrade to PRO to see link] OVERVIEW As a Product Manager at Coastal, you’ll play a critical role in defining and delivering products that drive meaningful business outcomes. You’ll be expected to think like an owner, making trade-offs, driving growth, and influencing results across both customer-facing products and internal platforms. You’ll help shape the product and services strategy and lead the execution that brings it to life. You’ll work cross-functionally with engineering, design, operations, and compliance to deliver solutions that power both our digital banking capabilities and our fintech partner experiences. You’ll help define and ship product enhancements, improve internal processes, and ensure we’re building with a sharp focus on customer value, scalability, and compliance. This is a high-impact role where you’ll learn how to operate at the intersection of strategy, execution, and financial performance. RESPONSIBILITIES - Own the product lifecycle for specific initiatives, from ideation to launch and iteration, defining the "what" and "why" behind product decisions with a sharp focus on customer value and business outcomes. - Relentlessly advocate for customer needs, using research, feedback, and empathy to guide product development and prioritize what matters most. - Collaborate with engineering, design, compliance, and operations to deliver high-quality products with a strong bias toward execution and measurable impact. - Use data to inform every stage of development, identifying opportunities, shaping priorities, measuring success, and optimizing performance. - Apply a hypothesis-driven approach to product development, leveraging A/B testing and experimentation to validate ideas and learn quickly. - Continuously identify opportunities to improve product performance, user experience, and internal workflows, driving toward constant iteration and improvement. - Stay curious and informed about emerging technologies, especially AI and automation, and proactively propose how they can be applied to improve products and internal capabilities. - Contribute to product strategy and roadmaps by synthesizing insights from customers, market trends, internal teams, and performance metrics. - Actively engage with customers, partners, and cross-functional teams to validate ideas, resolve issues, and build transparency and trust. - Thrive in a fast-paced, evolving environment, demonstrating initiative, managing ambiguity, and pushing ideas forward without waiting for permission. QUALIFICATIONS - 5+ years of professional work experience, including experience in the financial services industry and/or management consulting with focus on financial services. - Strong analytical and problem-solving skills, with a data-driven mindset and a bias toward action. - Excellent communication and collaboration skills; able to influence across functions, synthesize complexity, and drive alignment with cross-functional teams. - Demonstrated ability to translate product strategy into clear, actionable execution plans, including product requirements, prioritization frameworks, and go-to-market coordination. - Exposure to hypothesis-driven product development, A/B testing, and agile product methodologies. - Commercially minded, with an understanding of financial and business levers that impact product decisions. - Experience working in dynamic, fast-paced environments where ambiguity, competing priorities, and learning by doing are the norm. - Curiosity and drive to explore emerging technologies, especially AI, data platforms, and fintech infrastructure. - Familiarity with Banking-as-a-Service, embedded finance, or blockchain is a plus, but not required. - Prior experience or internship in product management, strategy, consulting, or operations is preferred. - A genuine interest in financial services and technology, and a strong desire to build products that deliver meaningful outcomes for customers. EDUCATION - Bachelor’s degree in Business, Computer Science, Engineering, or related field required. - MBA or relevant graduate degree preferred but not required, demonstrated product leadership and business impact matter more. HOW YOU’LL THRIVE AT COASTAL - Be the Best – Communicate effectively, pay close attention to detail, and prioritize your personal development. - Be Relentless – Thrive in a goal-oriented environment exercising both patience and persistence. Advocate for our customers and team members and strive to promote the Coastal Difference. - Be Un-Bankey – Be a forward thinker with a creative mindset. Build long-lasting relationships promoting the Coastal Difference, built on a foundation of integrity, honesty, and trust. - Embrace Gray Thinking – Use sound judgment while decision-making and problem-solving. Think outside the box. - Stay Flexible – Organize and strategize effectively while always being prepared to adapt on the fly. Seek efficiencies for Coastal to work smarter, not harder. - Take Care of Each Other – Understand what it means to be a true team player and have your teammate's back. Practice self-awareness and build your emotional intelligence. BEING YOU AT COASTAL Coastal is an equal opportunity employer. We are committed to providing a workplace free from discrimination and harassment. All employment decisions are based on merit, qualifications, and business needs. We do not discriminate on the basis of race, color, religion, sex, national origin, age, disability, veteran status, or any other protected status under applicable laws. BENEFITS WE OFFER We’re proud to offer a comprehensive benefits package designed to support your health, financial well-being, and work-life balance. Our offerings include: - Medical Coverage: Choose from three competitive medical plans to find the coverage that best fits your needs and lifestyle. - Health Savings Account (HSA): Available with eligible medical plans, offering tax advantages and employer contributions. - Flexible Spending Accounts (FSA): Options for healthcare and dependent care expenses to help you save on out-of-pocket costs. - Dental and Vision Insurance: Plans to keep you and your family smiling and seeing clearly. - Life Insurance: Company-paid basic life insurance with options to purchase additional coverage for yourself and your dependents. - Long-Term /Short-Term Disability (LTD): Income protection in the event of a long-term illness or injury. - Supplemental Benefits: Including Hospital Indemnity, Accident Insurance, and Critical Illness coverage to provide extra financial support when you need it most. - 401(k) Retirement Plan: A competitive retirement savings plan with company matching to help you plan for the future. - Paid Time Off: Generous vacation and sick leave policies to support your time away from work. - Holidays: Enjoy 11 paid holidays throughout the year. Check out our benefits on our careers site [Upgrade to PRO to see link] PHYSICAL DEMANDS The physical demands described below are required to perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee must be able to: - Sit for extended periods of time. - Stand for extended periods of time. - Perform repetitive finger, hand, and arm movement. - Use electronic office equipment such as a computer keyboard, mouse, ten key, telephone, etc. - View and read computer screens for extended periods. - Occasionally stoop, kneel, crouch, or crawl. - Occasionally lift or move up to 10 pounds. OTHER DUTIES Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.