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UKG

Principal Product Manager-Embedded Finance

Lowell, MA$163,900 – $235,550Posted Sep 28, 2026

Apply on company site View full job

Why UKG:

At UKG, the work you do matters. The code you ship, the decisions you make, and the care you show a customer all add up to real impact. Today, tens of millions of workers start and end their days with our workforce operating platform. Helping people get paid, grow in their careers, and shape the future of their industries. That's what we do.

We never stop learning. We never stop challenging the norm. We push for better, and we celebrate the wins along the way. Here, you'll get flexibility that's real, benefits you can count on, and a team that succeeds together. Because at UKG, your work matters-and so do you.

About the Team

UKG Ready is our platform for SMB, bringing HR, pay, scheduling, and time together in a unified platform without the cost and complexity of an enterprise suite. It is an important growth engine for UKG with years of compounding business growth and recognition as the industry leader in the SMB space, positioned highest in both usability and functionality in the Nucleus Research SMB HCM Technology Value Matrix.

Now Ready is entering an adjacent market to build a Frontline Worker Network, a UKG-owned network that connects frontline workers to the services they need. A dedicated group of product, engineering, and design sits at the center, working with stakeholders across business development, finance, and legal, and with strategic partners from category-leading fintech product companies. It has the focus and speed of a new startup with the support and scale of UKG.

About the Role

You will own product strategy and execution for the Frontline Worker Network in UKG Ready.

Millions of frontline workers have financial needs and little access to the products that would solve them. Our goal is to connect the frontline workers Ready already serves to financial wellness benefits they have never had by making it easy for employers to offer those programs without cost, risk, or complexity. You will create and scale that B2B2C line of business for UKG Ready, leveraging the B2B platform that already operates at scale.

UKG Ready is uniquely positioned to do this because we reach these workers every day, run the pay flow their income depends on, and hold the employment data needed to build financial benefits around how frontline workers actually work and get paid.

In this newly created role, you will set the product strategy, build the employee and employer experiences that make these benefits work, and own the commercial and platform decisions to scale a new line of business. You will start by getting deep on the platform, the live integrations, and how these workers actually behave. From there you take an adoption number and move it. What we build next, what we optimize, and how it reaches employees become your calls. This is a senior individual contributor role in a new and growing domain, where the business impact is directly measurable.

Duties and Responsibilities

- Be the domain authority on frontline workers and the financial products serving them.
- Own the multi-year category strategy and the B2B2C business model behind it.
- Own the employee experience and the employer adoption that drive product usage and business outcomes.
- Lead launches from pilot to general availability across engineering, design, go-to-market, legal, and finance.
- Own the product position inside commercial agreements, and make the product decisions that compound value across partners.
- Mentor product managers across the organization.

Basic Qualifications

- Built a new product or line of business from inception through scaling, ideally inside a large organization.
- Experience operating at a senior or principal product level in a complex enterprise environment.
- Led product teams to a defined business outcome through genuine ambiguity, using product taste and business acumen.
- Designed user journeys and optimized a consumer conversion funnel, and can point to what moved.
- Track record of making product decisions that compound long-term growth of strategic partnerships.
- Experience designing consent management and data authorization
- Deep understanding of the enterprise SaaS tech stack to collaborate effectively with engineering

Preferred Qualifications

- Domain experience in embedded finance, payments, or payroll.
- Experience scaling consumer adoption through employers or other intermediaries.

Requirements

- Bachelor's degree in Computer Science, Engineering, Business, or equivalent experience.
- Hybrid role requiring three or more days per week in the office

Company Overview:

UKG is the Workforce Operating Platform that puts workforce understanding to work. With the world's largest collection of workforce insights, and people-first AI, our ability to reveal unseen ways to build trust, amplify productivity, and empower talent, is unmatched. It's this expertise that equips our customers with the intelligence to solve any challenge in any industry - because great organizations know their workforce is their competitive edge. Learn more at ukg.com.

Equal Opportunity Employer

UKG is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, disability, religion, sex, age, national origin, veteran status, genetic information, and other legally protected categories.

View The EEO Know Your Rights poster

UKG participates in E-Verify. View the E-Verify posters here.

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

Disability Accommodation in the Application and Interview Process

For individuals with disabilities that need additional assistance at any point in the application and interview process, please email UKGCareers@ukg.com.

The pay range for this position is $163,900 to $235,550. The actual base pay offered may vary depending on skills, experience, job-related knowledge and work location. In addition to base pay, employees may be eligible to participate in a performance-based bonus plan and to receive restricted stock unit awards as part of total compensation. Learn more about UKG's benefits and rewards at https://www.ukg.com/about-us/careers/benefits

About UKG

Size: 10,000+ employees
Industry: Technology

View company profile

Perks and Benefits

Health and Wellness
- Health Insurance
- Health Reimbursement Account (HRA)
- Dental Insurance
- Vision Insurance
- Life Insurance
- Short-Term Disability
- Long-Term Disability
- FSA
- FSA with Employer Contribution
- HSA
- HSA with Employer Contribution
- Fitness Subsidies
- On-Site Gym
- Virtual Fitness Classes
Parental Benefits
- Birth Parent or Maternity Leave
- Non-Birth Parent or Paternity Leave
- Adoption Assistance Program
- Family Support Resources
- Adoption Leave
Work Flexibility
- Flexible Work Hours
- Remote Work Opportunities
- Hybrid Work Opportunities
Vacation and Time Off
- Paid Vacation
- Unlimited Paid Time Off
- Paid Holidays
- Personal/Sick Days
- Volunteer Time Off
Financial and Retirement
- 401(k) With Company Matching
- Company Equity
- Performance Bonus
- Profit Sharing
Office Life and Perks
- Casual Dress
- Happy Hours
- Company Outings
- Holiday Events
Professional Development
- Tuition Reimbursement
- Mentor Program
- Shadowing Opportunities
- Access to Online Courses
- Internship Program