Full-Time

SW product Manager 3

Candescent

Candescent

Cloud-based digital banking platform for institutions

No salary listed

Bengaluru, Karnataka, India

In Person

Category
Product (1)
Required Skills
Agile
Product Management
SCRUM
Requirements
  • Bachelor’s degree in computer science or a related field, or equivalent work experience
  • 9+ years of experience in the finance industry, preferably with large-scale digital, online, or mobile banking applications for consumers or small businesses
  • Strong understanding of complex business and technical problems
  • Proven experience delivering software products through the definition, design, and release cycle
  • Experience with Agile/Scrum methodologies throughout the software development lifecycle
  • Familiarity with industry standards such as PCI, WCAG, and FFIEC
  • Strong leadership, project management, time management, and problem-solving skills
  • Excellent verbal and written communication skills
  • Deep understanding of user and business needs to create and prioritize user stories that deliver value
  • Ability to prioritize based on business value, user impact, and technical feasibility
Responsibilities
  • Lead efforts to define specific functions, integration requirements, user experiences, and deployment strategies for delivery to both the company and market
  • Develop, shape, and refine user stories, problem statements, and acceptance criteria to ensure efficient and effective team consumption
  • Collaborate with the broader product organization to ensure integration across all Candescent Digital Banking Technology products
  • Work closely with the development team to ensure that delivered products meet specified requirements and are delivered on time and within budget
  • Drive understanding of the work to be completed by the development team, supporting effective sprint sequencing and incremental delivery
  • Participate actively in scrum ceremonies such as sprint planning, reviews, retrospectives, daily stand-ups, and demos
  • Maintain functional quality by setting and evaluating expectations and acceptance criteria
  • Present and train internal customers on new platform features and services released in each version
  • Prepare explanatory documentation for customers on existing and new platform functionality
  • Document business requirements using the company's software development tools and methodology
  • Collaborate with the Product Manager to manage product profitability and performance, ensuring alignment with short- and long-term product objectives and roadmaps
  • Gather customer and user needs, along with market research, to inform the product vision and strategy created by the Product Manager
  • Use the product vision and insights to define product features and prioritize the team’s backlog
  • Demonstrate a deep understanding of customers and users through the development of insights, including personas, journey maps, and product charters
  • Participate in PI (Program Increment) planning to prioritize the roadmap and inform team backlogs
  • Write and prioritize user stories based on business needs, user requirements, and technical feasibility
  • Continuously refine the product backlog by analyzing value versus effort
  • Define acceptance criteria and validate that features and stories meet user quality standards
  • Drive product development in collaboration with cross-functional teams and engage stakeholders (e.g., PMs, other POs, functions) to manage dependencies and resolve issues

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

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Family Planning Benefits

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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.