Michael Carroll
Data product manager in financial services. I build the data products that power AI tools, machine learning systems, and capital markets workflows at the scale of one of the world's largest banks, and I run product teams that ship software through spec-driven development (SDD).
About
I am a data product manager based in Brooklyn, New York, with experience in high-growth and ambiguous environments. My career interest is in fintech and data, focused today on capital markets data products where AI tools and machine learning systems are a primary consumer. Outside of work, I am building apps, writing books, and volunteering with education organizations. I also love movies, Formula 1, cooking, and BBQing.
I studied statistics and finance at Carnegie Mellon University, have been fortunate enough to see startups grow from A to D rounds, traded quantitatively at a couple of funds along the way, and now bring that perspective to a large enterprise team. Today I lead four product teams at a major U.S. bank, including one that is fully AI-engineered through spec-driven development, sit on the firm's AI council for global banking, and was a featured AI presenter at the firm's innovation week. Specs I write ship directly into production, turning week-long processes into hours and quarter-long roadmap work into weeks. I have a deep interest in making complex data understandable to a broader audience.
What I Do
Across my career, apps, volunteering, and writing
Data Products in Finance
Building data products in financial services. Capital markets data strategy, AI-ready data architecture, and shipping data products that AI tools and analysts both consume.
Apps
From personal finance tools to carbon accounting for farmers, I build products that bring complex data to everyday users.
Expertise
Fractional product leadership, team mentoring, and rapid prototyping. A decade of startup and enterprise experience, available on demand.
Volunteer Work
Serving on the boards of Mouse and St. Edward High School, supporting education access and youth development.
Books & Publishing
From reimagining education in the age of AI to exploring the science behind morality, I enjoy turning ideas into published works.
Blog
Field notes on AI, data products, and spec-driven development, with detours into Formula 1, economics, and life. New posts every Sunday.
What I'm Building Now
A live view of my current projects, updated automatically as they move.
Health Story
Turns clinical and wearable data into a plain-language health narrative.
Natural Yield
Carbon accounting and profitability for Australian farmers.
Natural Yield Mobile
React Native mobile app for Natural Yield (iOS + Android)
North Bound
A product-management app built on one North Star metric per product.
Roadmap Money
Personal finance budgeting and planning for everyday users.
Modern Curriculum Games
A portfolio of mobile games, from quick puzzles to life-skill learning.
The Accents of Faith
Why morality is older than God, and what that means for all of us.
The Human Curriculum
Rebuilding education for the age of AI.
Same Time Next Week
A new book, in early drafting.
The Meeting Historian
A guided notebook for preserving the history of an AA meeting.