Sr Director, Product Management, Merchant Capital

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Job Title

Sr Director, Product Management, Merchant Capital

What does a successful Sr. Director, Product Management for Merchant Capital?

As the Senior Director of Product Management for Merchant Capital, you will define the overarching product vision and multi-year strategy to help SMBs manage cashflow for their businesses. You will lead, mentor, and grow a team of Product Managers dedicated to solving complex merchant cash flow and financing needs.

Operating at the strategic intersection of fintech, commerce, and product growth, you will champion the end-to-end merchant lifecycle across all platforms (device, web, and mobile)—owning executive alignment, multi-generational roadmaps, and business performance metrics to reshape how merchants manage their financial health.

What you will do:

Product Strategy, Vision & Roadmap

• Define Multi-Year Strategy: Establish the strategic product vision, multi-generational roadmaps, and portfolio priorities for Clover’s Capital products and lending capabilities.

• End-to-End Lifecycle Ownership: Drive the full product lifecycle from market discovery and opportunity sizing through launch, scale, and continuous optimization across web, mobile, and in-person POS channels.

• Business Case & Commercial Viability: Build executive-level business cases—including financial models, opportunity sizing, ROI analysis, and monetization strategies—to align capital and resource allocation behind high-impact growth initiatives.

• Data-Driven Discovery: Leverage deep data analytics, merchant feedback, and market research to identify structural cash flow friction and evaluate Build vs. Buy vs. Partner/Integrate expansion strategies.

People Leadership & Executive Alignment

• People Management & Coaching: Hire, manage, develop, and retain a high-performing team of Product Managers. Provide clear direction, foster career growth, and establish operational excellence across product squads.

• Cross-Functional Portfolio Guidance: Oversee and empower product managers in their daily execution—guiding sprint prioritization, backlog grooming, user story definition, and cross-functional dependency management without needing to act as a tactical Scrum Lead yourself.

• Executive Stakeholder Alignment: Partner closely with executive leadership (C-suite, Business Unit Heads, Engineering VPs) to communicate vision, present progress against strategic KPIs, and secure cross-functional commitments across Product Marketing, Design, Data Science, and Operations.

• Go-To-Market Execution: Collaborate with Product Marketing, Sales, and Customer Success leadership to build comprehensive go-to-market and adoption strategies for major product rollouts.

What you need to have:

• 10+ years of progressive Product Management experience in digital software, SaaS, or fintech environments.

• 4+ years of direct People Management experience successfully leading, mentoring, and scaling teams of Product Managers.

• Demonstrated Strategic Track Record: Proven experience defining product vision, building multi-year roadmaps, and successfully executing large-scale, complex product portfolios.

• Fintech & Financial Services Expertise: Hands-on product leadership in SMB lending, merchant financing, business cash flow tools, or embedded financial services.

• Multi-Platform Experience: Broad track record delivering seamless, unified user experiences across Web, iOS, Android, and/or point-of-sale hardware touchpoints.

• Data & Commercial Acumen: Proven mastery in leveraging metrics, A/B testing, and financial modeling to influence executive decision-making and drive core business outcomes.

• Executive Presence: Exceptional communication and presentation skills with a history of driving alignment across matrixed engineering, business, and executive teams.

What is nice to have:

• Direct experience evaluating Build vs. Buy vs. Partner frameworks and executing third-party financial platform integrations.

• Deep expertise in the SMB POS, acquiring, or merchant payments ecosystem.

• Experience scaling product operations within enterprise SaaS or fintech organizations.

• Advanced degree (MBA, MS in Computer Science/Engineering) or equivalent practical experience.

How you’ll work:

This role is on-site Monday through Friday. Fiserv considers in-person collaboration to be an essential part of this role as in-person office experiences help you with your overall onboarding experience and leads to stronger productivity. This role requires use of a computer and audio equipment.

Visa Sponsorship

You must currently possess valid and unrestricted U.S. work authorization to be considered for this role. Individuals with temporary visas including, but not limited to, F-1 (OPT, CPT, STEM), H-1B, H-2, or TN, or any candidate requiring sponsorship, now or in the future, will not be considered for this role. 

Salary Range

$155,000.00 - $258,000.00

These pay ranges apply to employees in New Jersey and New York. Pay ranges for employees in other states may differ.

It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.

For incentive eligible associates, the successful candidate is eligible for an annual incentive opportunity which may be delivered as a mix of cash bonus and equity awards in the Company’s sole discretion.

Thank you for considering employment with Fiserv.  Please:

• Apply using your legal name
• Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).

Our commitment to Equal Opportunity:

Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law. 

If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contact [email protected]. Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv’s Disability Accommodation Policy for additional information.

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Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions.

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