Miguel C.

About Miguel C.

Accomplished Senior Technical Program and Product Manager with experience across fintech, payments, digital banking, and SaaS platforms. Directed credit, lending, and payment product development across financial institutions, global networks, and fintech startups, supporting embedded finance, card issuance, and merchant integration in both B2B2C and D2C environments. Brought a strong foundation in consumer banking with expertise in product delivery, regulatory alignment, and operational efficiency. Led integrations from discovery through deployment, delivering credit and digital payment solutions tailored to non-prime and prime consumers, SMB merchants, and enterprise retailers. Partnered with engineering, operations, compliance, and risk to ensure technical alignment, stakeholder readiness, and scalable solutions. Prioritized user-centric design and cross-channel compatibility to improve customer experience and reduce friction. Delivered banking and credit card solutions within traditional institutions, supporting underwriting, account opening, funding, collections, and identity verification. Integrated internal systems and third-party platforms to streamline operations, strengthen fraud prevention, and accelerate decisioning across digital and in-branch channels. Built and managed API platforms and SDK-based implementations to enable merchant onboarding, developer experience, and custom platform configurations. Partnered with acquirers, gateways, processors, and vendors to launch compliant, secure payment flows aligned with business goals and evolving regulations. Directed data pipelines using PostgreSQL and SQL to track product performance, powering analytics in Snowflake, Databricks, Power BI, and Kibana. Deployed solutions on AWS cloud infrastructure, leveraging scalability and monitoring capabilities. Monitored logs and system health with Datadog to proactively detect issues and align cross-functional teams. Converted user behavior and client feedback into insights that shaped roadmap priorities and iterative product improvements. Managed concurrent projects in Agile and Waterfall frameworks, leading sprint planning, backlog refinement, and QA/UAT readiness to meet delivery standards. Earned an MBA from Portland State University and hold a PMP certification. Combine technical execution with strategic vision to launch scalable, compliant, and high-impact financial products, including identity platforms, fraud prevention, and scalable cloud systems.

Experience

1. Senior Technical Product Manager

   U.S. Bank

   Nov 2024 — Present · Portland, OR, US

   Led the end-to-end development of credit and digital products, enabling direct-to-consumer (D2C) access and empowering merchant partners to deliver branded credit solutions through embedded finance platforms. Owned product vision, technical delivery, and implementation strategy across consumer-facing experiences, including online portals and servicing channels.Scoped and translated complex business and partner requirements into detailed technical specifications. Partnered with engineering, architecture, and integration teams to ensure system compatibility, scalability, and alignment with internal standards. Prioritized product features based on technical feasibility, regulatory needs, stakeholder feedback, and projected business impact.Managed cross-functional implementation efforts, guiding delivery from initial design through QA, UAT, and production deployment. Oversaw integration workflows using internal APIs focused on data transfer and service orchestration. Coordinated validation and testing across environments to ensure system reliability, operational stability, and high data integrity.Aligned go-to-market objectives with platform capabilities, onboarding plans, and solution design. Supported client implementation by configuring workflows, reviewing API payloads, troubleshooting integration blockers, and collaborating with both engineering and partner-facing teams to ensure technical readiness and smooth rollout.Defined epics and user stories, facilitated Agile ceremonies including sprint planning, backlog refinement, and retrospectives, and managed backlog for a 15+ person team of engineers, developers, and QA. Balanced product outcomes with architectural constraints to deliver scalable, customer-ready features on schedule.Delivered secure, intuitive credit experiences by combining product leadership with hands-on technical execution, data integration expertise, and collaborative client enablement.

Education

• Portland State University - School of Business

  Bachelor of Arts in Business Administration, Human Resources and Management & Leadership

• Portland State University - School of Business

  Master of Business Administration - MBA

  2021 — 2023

Skills

• Customer Satisfaction
• Conflict Resolution
• Loans
• Lines of Credit
• Mortgage Banking
• Public Speaking
• Insurance
• Risk Management
• Teamwork
• Retail Banking
• Management
• Financial Analysis
• Data Entry
• Research
• Coaching
• Employee Training
• Finance
• Loan Servicing
• Mortgage Lending
• Microsoft Excel
• Sales
• Small Business
• Outlook
• Team Leadership
• Fast-Paced
• Team-Oriented
• Interviews
• Hiring
• Team Building
• Analysis
• Human Resources
• Deposits
• Claims Management
• Customer Service
• Cross Selling
• Critical Thinking
• Loan Origination
• Microsoft Word
• Microsoft Office
• Leadership