Head of Product, PAYO Digital Bank

Role summary

PAYO Digital Bank, N.A. (PDB), 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, 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 PDB. The ideal candidate is a seasoned product leader with regulated payments or banking experience who is comfortable building zero-to-one in an environment where compliance is a design input, not an afterthought. You will hold a roadmap to a regulatory clock, run disciplined launch gates, partner ruthlessly with engineering on execution, and represent product decisions to OCC examiners with confidence.

What you'll do

• Product Vision & Roadmap: 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.
• Engineering Partnership & Execution: Act as the ultimate unblocker for the engineering team. Drive ruthless prioritization, define clear acceptance criteria, and manage technical trade-offs to ensure on-time delivery without compromising compliance.
• Compliance-Embedded Design: Partner with Compliance to embed KYC, sanctions screening, and transaction monitoring controls directly into product flows. Document user journeys to a standard suitable for strict regulatory examination.
• Launch Governance: Design the controlled pilot, including transaction volume caps, staged merchant onboarding, and clearly defined launch criteria. Enforce feature freeze discipline ahead of user acceptance testing.
• Vendor & Platform Requirements: Own product requirements for the bank's core banking, custody, screening, and oracle infrastructure partners, driving integration decisions alongside Engineering.
• Transparency & Trust: Shape product requirements supporting proof-of-reserve attestation so stablecoin holders can seamlessly verify 1:1 backing.
• Stakeholder Leadership: Represent product decisions to the board, management committees, and OCC examiners as required.

Who you are

• Product Leadership: 10+ years of product management experience, including 5+ years in payments, banking, or digital assets.
• Regulated Environment Experience: Direct experience shipping products inside a regulated financial institution, ideally under OCC, Federal Reserve, or state banking supervision.
• Zero-to-One Track Record: Demonstrated success taking a complex product from concept to launch, navigating technical dependencies, pilot design, and staged rollouts.
• Stablecoin Mechanics: Working knowledge of mint/burn flows, reserve backing, redemption rights, and on-chain/off-chain reconciliation.
• Compliance by Design: Demonstrated ability to build compliance requirements into the core product architecture rather than bolting them on afterward.
• Regulator-Ready Communication: Strong written and verbal skills; comfortable producing documentation reviewed by regulators and external auditors, and presenting to examiners.

Not a must but a great advantage:

• GENIUS Act Familiarity: Understanding of the Permitted Payment Stablecoin Issuer framework.
• SMB & Cross-Border: Experience serving SMB or cross-border payments customer bases.