Current is a leading consumer fintech platform transforming financial access for everyday Americans with over five million members. We provide access to financial solutions that seamlessly work together to solve the needs of our members and enable all Americans to build better financial futures. Based in NYC, our results-driven environment drives us to build better products, grow faster and empower everyone on our team to have an impact on our business and mission to improve financial outcomes.
ABOUT THE ROLEAs a Senior Product Manager on the Core Processing team, you’ll help power the financial engine that moves money for millions of members. Your mission is to design, scale, and optimize the systems that make every transaction fast, reliable, and cost-efficient across all payment rails. You’ll lead the evolution of our payments infrastructure (covering Card Issuing, ACH, Remote Deposit Capture, and P2P) delivering new capabilities that enable product innovation, improve success rates, and reduce processing costs. This role involves driving high-impact capabilities that enable new Banking products, reduce processing costs, and ensure financial integrity. You will collaborate closely with Engineering, Risk, and other product leaders to deliver a processing engine that is a competitive differentiator.
RESPONSIBILITIES- Define and execute the Core Processing roadmap, ensuring alignment with company strategy and cross-functional needs.
- Lead implementation of new money-movement rails by translating network specs and APIs into clear engineering deliverables.
- Actively manage and engage with partner banks and payment networks/processors (including Visa, Mastercard, ACH operators) to align on implementation details.
- Monitor and improve rail performance—targeting industry-leading success rates, lower returns, and reduced costs.
- Enhance Card Issuing and Processing to maximize authorization rates and effectively manage card lifecycle events.
- Optimize the performance and cost of Money Movement Rails by focusing on reducing return rates and increasing transaction success rates.
- Collaborate with the Finance and Treasury teams to automate settlement, reconciliation, and funds-movement flows for high financial integrity.
- Own the Core Ledger and User Graph as foundational primitives supporting all banking experiences.
You combine analytical depth with decisive execution. You use data to identify performance bottlenecks and translate technical insights into business outcomes. You’re comfortable in the details—reading API specs, querying SQL, and dissecting system logs—but equally skilled at framing decisions for executives. You take ownership, move fast, and care deeply about reliability.
REQUIREMENTS- 6+ years of specialized Product Management experience in payments, card issuing, core banking at a high growth fintech environment.
- Expertise of the full transaction lifecycle (initiation, authorization, settlement, chargebacks) and the payments ecosystem.
- Strong knowledge of issuer processing architecture, BIN sponsorship, and network requirements (Visa/Mastercard).
- Technical fluency with APIs, traditional banking file formats (e.g., Nacha), and the ability to use SQL for ad-hoc analysis.
- Familiarity of ISO 8583 or ISO 20022 standards.
- Experience with ACH or Remote Deposit Capture systems.
- Background at, or deep familiarity with, an issuer processor or direct network partner (Visa/Mastercard).
This role has a base salary range of $170,000 - $204,000 Compensation is determined based on experience, skill level, and qualifications, which are assessed during the interview process. Current offers a competitive total rewards package which includes base salary, equity, and comprehensive benefits.
BENEFITS
- Competitive salary
- Meaningful equity in the form of stock options
- 401(k) plan
- Discretionary performance bonus program
- Biannual performance reviews
- Medical, Dental and Vision premiums covered at 100% for you and your dependents
- Flexible time off and paid holidays
- Generous parental leave policy
- Commuter benefits
- Fitness benefits
- Healthcare and Dependent care FSA benefit
- Employee Assistance Programs focused on mental health
- Healthcare advocacy program for all employees
- Access to mental health apps
- Team building activities
- Our modern Chelsea-based office with open floor plan, stocked kitchen, and catered lunches
Top Skills
What the Team is Saying
What We Do
Current is a U.S. based consumer fintech and payments platform with over four million members and a mission to improve financial outcomes. It provides mobile banking services that give its members access to opportunities to improve their financial lives, such as paychecks up to two days early, up to 4% APY, fee-free overdraft, money management tools and insights, fee-free ATMs, no fee crypto trading, a cash back rewards system and family banking.
Why Work With Us
We turn ideas into reality. We're leaders beyond our titles and experience. Focused on our rapid growth, we're a social team with diverse backgrounds and perspectives that celebrates our successes together. At Current, we all make an impact. Above all, we’re committed to our mission and dedicated to being a part of building something great.
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Employees engage in a combination of remote and on-site work.
