Gusto is on a mission to grow the small business economy, handling payroll, health insurance, 401(k)s, and HR for more than 500,000 small businesses nationwide.
Teams in Denver, San Francisco, and New York; 2,700+ employees in the United States, Canada, Mexico, and Turkiye.
Over $500M in annual revenue.
AI is a fundamental part of how work gets done at Gusto; all team members are expected to actively engage with AI tools relevant to their role.
About the Team
Gusto's Business Money team is building the financial operating system for small businesses.
SMB Banking is the foundation of that platform: business checking accounts at the center of how owners run payroll, pay bills, manage cash, control employee spend, and access capital.
This is a ground-floor role; the product is early, moving toward its first beta, and this PM will help take it from initial launch through scale.
Responsibilities
Own and deliver core workstreams spanning small business banking - application and identity verification, account linking, funding, payments, cards, ongoing servicing, and exposing these products/capabilities on surfaces a customer wishes to engage.
Own growth and adoption end to end from acquisition through funded, active account, and run continuous experimentation across the funnel.
Take responsibility for the business outcomes of your workstream as a true owner.
Be the fintech infrastructure and payments expert that reliably untangles complexity and ships durable systems.
Use Gusto's unique payroll ecosystem to build banking features unique to our position in the ecosystem.
Define how banking connects to the rest of the Gusto platform, making the account the default funding source for how a business operates.
Design for self-serve by anticipating where customers get stuck and resolving it in-product rather than in the support queue.
Ensure tight, daily coordination with cross-functional teams spanning Product, Engineering, Design, Data, Risk, Compliance, Legal, and Ops.
Partner with external vendors (e.g., partner banks, banking infrastructure providers, card processors) to deliver reliable, integrated experiences.
Deeply understand customers, particularly how cash flow uncertainty and team spending dynamics impact small business owners.
Measure what matters — define and own KPIs around account opening, funding, deposit growth, and primacy, and use data to drive prioritization, learning, and iteration.
Requirements
Has a bias toward action, comfort with ambiguity, and a strong sense of ownership.
Has 7+ years of product management experience in fintech, banking, or adjacent industries.
Brings hands-on familiarity with business banking, BaaS platforms, deposit products, or money movement rails — bonus for experience with KYB/onboarding flows, ledgering, or partner bank relationships.
Thrives in 0→1 environments and knows how to take a product from pre-beta to launch with limited resources.
Has run a real experimentation practice — hypothesis, test design, readout, decision.
Understands the regulatory and operational complexity of banking products and can partner effectively with Risk, Legal, and Compliance teams.
Cares deeply about small businesses.
Conditions
All full-time employees receive competitive base pay, benefits, and equity (RSUs).
Offer amounts are determined by role, level, and location.