Senior Product Manager, Business Money

Job Description:

About Gusto

Gusto is a modern, online people platform that helps small businesses take care of their teams. On top of full-service payroll, Gusto offers health insurance, 401(k)s, expert HR, and team management tools. Today, Gusto offices in Denver, San Francisco, and New York serve more than 400,000 businesses nationwide.

Our mission is to create a world where work empowers a better life, and it starts right here at Gusto. That’s why we’re committed to building a collaborative and inclusive workplace, both physically and virtually. Learn more about our Total Rewards philosophy. 

By the Numbers:

• Named #1 best software for small business of 2024 by G2
• 2,700+ employees in the United States, Canada, Mexico, and Turkiye and growing 
• Over $500M in annual revenue 
• The SMB market is large (and growing!) with huge opportunities for Gusto to make an incredible impact for SMBs 
• There are 6.2M employers in the US, 98% have fewer than 100 employees ⁽¹⁾ 
• 550,000 new businesses are created each year in the US ⁽¹⁾ 

What Product Management is like at Gusto:

• We’re looking for high-autonomy, entrepreneurial Product Managers to come build high-impact solutions for small businesses and their employees. We believe in high-ownership Product Managers who operate like business owners - owning an entire roadmap end to end, and shaping the product from strategy setting through the nitty gritty execution details.
• Our Product team is lean, which means you’ll have a high degree of impact and ownership. 
• We’re here to serve small and medium businesses. Gusto has a strong mission-driven culture, and we care deeply about lifting up these business owners. 

About the Team:

Gusto’s Business Money team is building the financial operating system for small businesses. We help owners manage how money flows in and out of their business — from paying bills and running payroll on time to accessing capital and controlling employee expenses. We’re expanding beyond payroll into a comprehensive small business platform, and this role is at the heart of that transformation.

You'll help build financial tools that give business owners more confidence and control over their businesses cash flow, giving them more time to focus on building their business all while making their money go farther. Whether it’s a $3,000 loan to make payroll or an expense card that keeps team spending secure, you’ll shape solutions that make a real difference in the lives of business owners.

Here’s what you’ll do day-to-day:

• Own roadmap initiatives for Gusto’s business money products, broadly around expense management, cashflow, and many adjacent financial services-focused features. 
• Lead from the front and deliver small business and consumer-focused financial solutions that support core operational needs including: issuing cards, scanning receipts, categorizing expenses, tracking mileage, and offering capital when it’s needed most.
• Get in the trenches with cross-functional teams spanning Product, Engineering, Design, Data, Risk, Compliance, Legal, and Ops to ship resilient, compliant, and delightful products.
• Partner with external vendors (e.g., issuing banks, card processors, loan platforms, accounting infrastructure) to deliver reliable, integrated experience.
• Deeply understand our customers, particularly how financial stress impacts small business owners, and use that empathy to craft effective product narratives.
• Measure what matters — define KPIs, build dashboards, and use data to drive prioritization, learning, and iteration.
• At the end of the day - own the business outcomes of your workstream as a true owner and champion of growth.

Here’s what we're looking for:

• Has a bias toward action, comfort with ambiguity, and a strong sense of ownership.
• Has 5+ years of product management experience in fintech or adjacent industries.
• Brings hands-on expertise in expense management, card issuing, or small business lending — bonus for experience with ledgering, ACH/wire/RTP payments, or third-party vendor integrations.
• Thrives in scrappy, 0→1 and 1→10 environments and knows how to deliver impact with limited resources.
• Understands the regulatory and operational complexity of financial products and can partner effectively with Risk, Legal, and Compliance teams.

If you don't think you meet all of the criteria above but still are interested in the job, please apply. Nobody checks every box, and we're looking for someone excited to join the team.

Our cash compensation amount for this role is targeted at $152,000 to $190,000/yr in Denver & most major metro locations, and $184,000 to $230,000/yr for San Francisco, New York, & Seattle. Final offer amounts are determined by multiple factors including candidate location, experience and expertise and may vary from the amounts listed above.

Where do PMs at Gusto work?

We have offices in Denver, San Francisco, and New York and have remote team members across the US and Canada. We are actively hiring for the following Centers of Gravity: Toronto, Canada, Atlanta, GA, Austin, TX, Chicago, IL, Denver, CO, Los Angeles, CA, Miami, FL, and Seattle, WA. Our open roles will specify on the careers page and in the job description where the position is eligible for work. 

 ⁽¹⁾ Business Applications with Planned Wages (www.census.gov)

Gusto has physical office spaces in Denver, San Francisco, and New York City. Employees who are based in those locations will be expected to work from the office on designated days approximately 2-3 days per week (or more depending on role). The same office expectations apply to all Symmetry roles, Gusto's subsidiary, whose physical office is in Scottsdale.

Note: The San Francisco office expectations encompass both the San Francisco and San Jose metro areas. 

When approved to work from a location other than a Gusto office, a secure, reliable, and consistent internet connection is required.

Our customers come from all walks of life and so do we. We hire great people from a wide variety of backgrounds, not just because it's the right thing to do, but because it makes our company stronger. If you share our values and our enthusiasm for small businesses, you will find a home at Gusto. 

Gusto is proud to be an equal opportunity employer. We do not discriminate in hiring or any employment decision based on race, color, religion, national origin, age, sex (including pregnancy, childbirth, or related medical conditions), marital status, ancestry, physical or mental disability, genetic information, veteran status, gender identity or expression, sexual orientation, or other applicable legally protected characteristic. Gusto considers qualified applicants with criminal histories, consistent with applicable federal, state and local law. Gusto is also committed to providing reasonable accommodations for qualified individuals with disabilities and disabled veterans in our job application procedures. We want to see our candidates perform to the best of their ability. If you require a medical or religious accommodation at any time throughout your candidate journey, please fill out this form and a member of our team will get in touch with you.

Gusto takes security and protection of your personal information very seriously. Please review our Fraudulent Activity Disclaimer.

Personal information collected and processed as part of your Gusto application will be subject to Gusto's Applicant Privacy Notice.

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