Head of Product, PAYO Digital Bank - Stablecoin

Overview

Head of Product for PAYO Digital Bank's stablecoin offering, owning the product vision and roadmap for PAYO-USD issuance, redemption, customer onboarding and on/off-ramp experiences. Reports directly to the Chief Technology Officer of PDB.

What you'll do

• Define and own the end-to-end product vision for PAYO-USD issuance, redemption, and payment flows, sequenced against regulatory milestones from pre-opening exam readiness through controlled pilot to general availability.
• Act as the ultimate unblocker for the engineering team, driving ruthless prioritization, defining clear acceptance criteria, and managing technical trade-offs to ensure on-time delivery without compromising compliance.
• Partner with Compliance to embed KYC, sanctions screening, and transaction monitoring controls directly into product flows, and document user journeys to a standard suitable for strict regulatory examination.
• Design the controlled pilot, including transaction volume caps, staged merchant onboarding, and clearly defined launch criteria, and enforce feature freeze discipline ahead of user acceptance testing.
• Own product requirements for the bank's core banking, custody, screening, and oracle infrastructure partners, driving integration decisions alongside Engineering.
• Shape product requirements supporting proof-of-reserve attestation so stablecoin holders can verify 1:1 backing.
• Represent product decisions to the board, management committees, and OCC examiners as required.

What you'll need

• 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 communication; comfortable producing documentation reviewed by regulators and external auditors and presenting to examiners.

Nice to have

• Understanding of the Permitted Payment Stablecoin Issuer framework under the GENIUS Act.
• Experience serving SMB or cross-border payments customer bases.

Details

• Candidates must be based in New York, NY or Miami, FL.
• Full-time.
• Annual base salary range: $220,000 – $320,000 USD, plus discretionary year-end bonus.
• Eligible for health, disability and life insurance, 401k plan, paid time off, and sick (and where applicable safe) leave.