Full-Time

Head of Digital Product

Consumer & Business Banking

Candescent

Candescent

Cloud-based digital banking platform for institutions

No salary listed

California, USA + 1 more

More locations: Atlanta, GA, USA

In Person

Category
Product (1)
Requirements
  • 15+ years of experience in digital product management, ideally in fintech, banking, or high-scale SaaS
  • Proven leadership in building and scaling B2C and/or B2B digital platforms, with a passion for elegant, secure, and compliant user experiences
  • Deep understanding of banking workflows, regulatory considerations, and the needs of both consumers and business customers
  • Adept at working with platform teams to translate capabilities (AI, APIs, integrations) into customer value
  • Strong product instincts combined with data literacy, structured problem-solving, and user empathy
  • Experienced in building high-performing product teams in complex environments
Responsibilities
  • Define the product strategy and roadmap for digital banking experiences for consumers, small businesses, and commercial users that takes Candescent to first an industry leadership position and then strives to be a leader among the top banks
  • Prioritize features and experiences that drive measurable outcomes: digital adoption, deposit and loan growth, engagement, retention, satisfaction
  • Champion seamless, intuitive, secure digital experiences across channels (mobile, web, embedded and agentic)
  • Guide design direction in partnership with UX to ensure accessibility, personalization, and emotional engagement
  • Drive continuous discovery and user testing across personas and institutions
  • Lead digital innovation across core banking journeys including DIY service features for anything and everything, Dashboards and money movement, Spend management and alerts, Bill pay, transfers, external account linking, Business accounts receivables, accounts payable and cash flow, Embedded onboarding, cross-sell, and servicing
  • Work closely with Engineering, Agile, Design, Product Ops, and Marketing to ensure launch-readiness, internal alignment, and scalability
  • Collaborate with financial institutions, customer success, and implementation teams to gather feedback and prioritize product enhancements
  • Coordinate with the Platform and Integration teams to deliver robust, compliant, and secure features
  • Support packaging and positioning of retail and business banking modules
  • Collaborate with Sales, Marketing, and Pricing teams to ensure product-market fit and differentiated messaging
  • Lead, mentor, and grow a team of product managers and leads aligned by customer type and product area
  • Foster a culture of empathy, velocity, cross-functional collaboration, and outcome-driven product development

Candescent provides a cloud-based digital banking platform for consumer and business banking that it offers to financial institutions of all sizes. The platform combines digital channels (digital, branch, call center) and an ecosystem of integrated fintech solutions with developer tools, allowing banks to customize and extend their banking capabilities. It works by delivering digital-first banking services through a shared platform, enabling cross-channel customer experiences and interactive banker/branch services across in-person, remote, and digital touchpoints. Compared with competitors, Candescent emphasizes a broad ecosystem and multi-channel integration, plus tools for customization through APIs, so institutions can tailor services while maintaining consistency across channels. Its primary goal is to help clients improve customer service and operational efficiency by digitizing and unifying banking experiences.

Company Size

N/A

Company Stage

N/A

Total Funding

N/A

Headquarters

Atlanta, Georgia

Founded

2024

Simplify Jobs

Simplify's Take

What believers are saying

  • Serves 1,300 institutions and 30M users, driving 33% adoption increase at OneUnited Bank.
  • India expansion to 1,000 staff generates 80% code with AI, planning 20% headcount growth.
  • Wealth Access partnership unifies data to capture wealth relationships from banking clients.

What critics are saying

  • Jack Henry's Banno poaches clients with superior APIs, eroding base in 12-18 months.
  • Finastra's Fusion Phoenix bundles AI mobile, causing churn in 6-12 months.
  • Infosys poaches Hyderabad talent, halting Votiv rollout in 12-24 months.

What makes Candescent unique

  • Candescent unifies Digital Insight, D3, Terafina, and Channel Services into single Intelligent Banking Platform.
  • Votiv delivers AI-powered proactive guidance analyzing real-time signals for personalized banking.
  • Forge and Marketplace enable seamless fintech integrations for extensible developer experiences.

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Benefits

Flexible Work Hours

Remote Work Options

Hybrid Work Options

Wellness Program

Mental Health Support

Conference Attendance Budget

Family Planning Benefits

Fertility Treatment Support

Stock Options

Company Equity

Company News

Presswire
Mar 31st, 2026
Candescent enables Tap to Pay on iPhone for small businesses at Zions Bancorporation with Autobooks.

Candescent enables Tap to Pay on iPhone for small businesses at Zions Bancorporation with Autobooks. * Delivers secure, hardware-free payment acceptance inside Zions Bancorporation's mobile banking experience. [PRESSWIRE] ATLANTA - March 31, 2026 - Candescent, defining the era of Intelligent Banking for banks and credit unions, today announced a collaboration with Zions Bancorporation and Autobooks to bring Tap to Pay on iPhone to Zions Bancorporation's small business customers. The solution enables secure, in-person, contactless payments without extra hardware, helping business owners get paid faster and more conveniently. Integrated directly into Zions Bancorporation's mobile banking experience, the solution empowers small businesses to get paid faster and more securely wherever they do business, with funds deposited straight into their bank account. The integration expands Zions Bancorporation's small business toolkit, which already includes professional invoicing and online payment acceptance. This launch reflects how Candescent brings together partners, payments, and digital experiences to help financial institutions deliver Intelligent Banking for small businesses. "Candescent is a proven leader in empowering financial institutions to innovate faster, with a laser focus on intelligent customer-centric experiences that drive impact," said Gareth Gaston, Chief Product Officer, Candescent. "By collaborating with Autobooks and Zions Bancorporation to embed Tap to Pay on iPhone directly into Zions Bancorporation's mobile banking experience, we are removing friction from the payment process and enabling small businesses to get paid faster and more securely. This is a powerful example of how intelligent integrated digital tools can transform everyday banking into a growth engine for small businesses." "Tap to Pay on iPhone is the latest addition to the small business tools Autobooks delivers through Candescent. In-person payments now connect to the same invoicing, accounting, and cash flow tools already inside digital banking, giving business owners one complete picture of their money. Fintechs and megabanks are targeting small businesses with individual tools, increasing competition for customer primacy. This gives financial institutions something better: a complete, connected solution their customers don't have to leave to find." Autobooks is a featured partner in the Candescent Marketplace, the curated ecosystem of fintech integrations purpose-built for banks and credit unions seeking to expand their digital capabilities without disrupting their core banking infrastructure. About Candescent Candescent is defining the era of Intelligent Banking for banks and credit unions. Through its cloud-native Intelligent Banking Platform, Candescent enables institutions to unify data, channels, and real-time intelligence to deliver differentiated experiences, accelerate growth, and deepen customer and member relationships across account opening, consumer and business banking, and digital and branch experiences. Candescent serves more than 1,300 banks and credit unions representing over 30 million registered users. For more information, visit www.candescent.com. Web site: www.candescent.com LinkedIn: www.linkedin.com/company/candescent-tech/ YouTube: www.youtube.com/@Candescent-tech/videos About Autobooks Autobooks helps financial institutions bring payments, bill pay, accounting, and lending together in one connected experience inside digital banking. Instead of stitching together separate vendors, banks and credit unions partner with Autobooks to give their small business customers the tools to get paid, pay others, manage their books, and access working capital. Based in Detroit, Autobooks is trusted by thousands of financial institutions nationwide to help them deepen small business relationships. About Zions Bancorporation Zions Bancorporation, N.A. is one of the nation's premier financial services companies with approximately $89 billion of total assets at December 31, 2025, and annual net revenue of $3.4 billion in 2025. Zions operates under local management teams and distinct brands in 11 western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The Bank is a consistent recipient of national and state-wide customer survey awards in small- and middle-market banking, as well as a leader in public finance advisory services and Small Business Administration lending. In addition, Zions is included in the S&P MidCap 400 and NASDAQ Financial 100 indices. Investor information and links to local banking brands can be accessed at www.zionsbancorporation.com. Media Contact: Kristina LeBlanc - [email protected]; 508-930-5636

The Associated Press
Feb 4th, 2026
Candescent partners with Greenlight to embed youth banking tools for families

Candescent, a cloud-native banking platform provider, has partnered with Greenlight Financial Technology to offer an embedded youth banking experience within financial institutions' digital platforms. The integration allows banks and credit unions to provide Greenlight's family finance tools, including debit cards for children, savings features, spending controls and investing options. The partnership addresses growing demand for youth-focused financial solutions. According to Greenlight's 2025 Annual Family Trends Report, 88% of financial institutions report increased demand for such products, whilst 35% of younger parents now open accounts for children before age six. Candescent serves 1,300 banks and credit unions representing 30 million registered users. The collaboration aims to help institutions build customer loyalty across generations whilst promoting financial literacy from an early age.

FinTech BoostUP
Jul 18th, 2025
OneUnited Bank Selects Candescent's Extensible Platform to Deliver New Customized Money Management Tools, Driving 33% Increase in Customer Adoption

OneUnited Bank selects Candescent's extensible platform to deliver new customized money management tools, driving 33% increase in customer adoption.

Retail Banker International
Apr 23rd, 2025
Candescent and Ninth Wave launch integrated open data solution for banks

US digital banking platform Candescent has expanded its partnership with Ninth Wave to launch an integrated open data solution for banks and credit unions.

ATM Marketplace
Apr 9th, 2025
Candescent provides digital banking to Farmers & Merchants Bank

Farmers & Merchants Bank, based in Stuttgart, Arkansas, partnered with Candescent to deploy its Digital Banking platform.