Head of Product - Personal Banking

Mercury is building personal banking to a standard where a personal financial product is judged on whether it fits the life of the person using it. We want one place that makes sense of everything — spending, saving, planning, investing — and that anticipates rather than reports.

Personal Banking is how Mercury earns a place in someone's financial life. We're looking for a Head of Product to own it end-to-end: setting product strategy, leading a team of product managers, driving growth and engagement, and owning business performance.

Key responsibilities

• Build a personal banking experience so good that people tell their friends and colleagues about it.
• Own the metrics, product strategy and the propositions we take to our customers, covering personal money management, banking, savings, investments, money movement, and in the future, lending.
• Set the craft bar: sweat the details — copy, latency, empty states — that decide whether a consumer product feels inevitable rather than adequate.
• Drive the use of AI in products where it makes the experience meaningfully better.
• Build and scale the org: recruit and lead a high-performing PM team, instill strong build discipline, develop future leaders, and set a cadence and culture that drives pace and quality.
• Grow the business: own acquisition, activation, retention, and the loops that compound, including how personal banking connects to the businesses Mercury already serves.
• Make reliability and trust product features: own uptime, correctness, latency, and support outcomes, and be measured on them.
• Align the ecosystem: bring product, engineering, design, data, risk, compliance, legal, marketing, support, and partners behind one cohesive strategy.

What makes you successful

• A consumer product leader with taste: you have built products millions of people chose to use, and can point to the decisions that made them work.
• You have shipped AI-led products to real consumers and have opinions about what AI makes possible and where it fails.
• An exceptionally high bar for craft, and a customer-centered, data-driven, and experimentation-oriented approach.
• 10+ years building consumer products, including time owning a product's growth and economics, not only its roadmap.
• 5+ years leading product managers: hiring, coaching, org design, and performance management.
• Experience launching and scaling 0-1 products, alongside operating a large product with real customers on it.
• Exceptional cross-functional leadership across engineering, design, data, risk, compliance, and partners.
• Experience in banking, payments, or fintech is a nice-to-have.
• Sound judgment in a regulated environment: you balance a delightful experience with the controls a banking product requires.