Product Associate - Mobile Services - Payments

Are you a product innovator who pushes the boundaries of what's possible on mobile by leveraging platform-native capabilities to create differentiated, best-in-class experiences? If so, you've found the right team!

As a Core Product Innovation Associate within our mobile services organization, you drive the evolution of our mobile platform by identifying, evaluating, and delivering native mobile capabilities that set our digital banking experience apart. This role is focused on harnessing what makes mobile unique - device hardware, OS-level integrations, and platform-native features - to create compelling experiences that cannot be replicated on other channels. Success will be measured through the adoption of new capabilities, customer engagement uplift, and innovation velocity.

Job Responsibilities

• Identify, evaluate, and define product opportunities that leverage platform-native mobile capabilities - including biometrics, push notifications, on-device ML, camera/NFC/AR, haptics, widgets, live activities, and device sensors.
• Champion features and experiences that are uniquely possible on mobile, ensuring our app takes full advantage of iOS and Android platform advancements with each OS release.
• Own and maintain a forward-looking innovation roadmap for native mobile capabilities, aligned with business strategy and customer needs.
• Lead proof-of-concepts, pilots, and beta programs to validate new native capabilities before scaling across the portfolio.
• Create reusable NFR templates for mobile delivery (e.g., reliability, latency, crash-free rate, app size, battery impact, observability, and resilience).
• Ensure new capabilities incorporate appropriate security and privacy controls, including authentication and session handling, secure storage, device integrity checks, and data protection expectations.
• Run a lightweight intake process for innovation proposals; triage, size, prioritize, and route work across contributors.
• Partner with design, engineering, security, and QA to pilot new innovations, drive adoption, and remove delivery friction.
• Use adoption metrics, partner feedback, and experimentation outcomes to validate new capabilities and drive measurable improvements in customer engagement and experience.

• Product management experience in mobile (iOS/Android) and/or mobile platform contexts with a demonstrated track record of driving product innovation.
• Deep knowledge of native mobile platform capabilities across iOS and Android, including awareness of annual OS releases and new APIs.
• Demonstrated ability to identify product opportunities and translate them into clear, testable requirements using structured problem solving and repeatable frameworks.
• Strong product thinking - ability to balance innovation and exploration with delivery discipline and operational rigor.
• Metrics-driven approach to product delivery; ability to define and use data to validate innovation hypotheses and measure capability adoption.
• Pragmatic decision-making skills that balance speed with risk, quality, and control requirements.
• Strong understanding of mobile NFRs, including performance, reliability, and observability.
• Familiarity with mobile security and privacy considerations and experience embedding them into product requirements.
• Strong stakeholder management skills, including the ability to influence without authority and drive adoption of new capabilities across teams.

• Experience in fintech, digital banking, or mobile-first financial services environments.
• Experience operating a platform product model with an innovation or incubation focus.
• Experience running proof-of-concepts, pilots, or beta programs for new mobile capabilities.
• Familiarity with emerging mobile technologies (e.g., on-device ML, advanced haptics, spatial computing, widget frameworks, live activities, dynamic island).
• Experience defining mobile analytics and instrumentation requirements (events, funnels, experimentation).
• Background collaborating closely with security/risk partners on mobile controls.
• Experience working with design systems and mobile component libraries.