Senior Product Manager – Consumer Credit Card

This is a fully remote position, open to applicants in United States, +4 more locations.

📋 Description

• Create a card that individuals place at the front of their wallets and recommend spontaneously.

• Guide the card development from inception to launch, determining the initial features and overseeing program setup and compliance approval.

• Take charge of the application experience, including wait times and approval notifications, while underwriting manages the model.

• Manage how customers perceive their credit line, encompassing both increases and decreases.

• Oversee the customer offering, which includes rewards, redemption processes, and pricing, while also grasping the economic factors that support it.

• Establish high standards for content, disclosures, latency, and empty states.

• Promote the use of AI where it significantly enhances the user experience.

• Manage balances, interest rates, minimum payments, and the reconciliation of statements.

• Drive growth in acquisition, activation, retention, and compounding growth loops.

• Coordinate efforts across engineering, design, data, risk, compliance, legal, marketing, support, and partners to create a unified card strategy.

⛳️ Requirements

• Over 6 years of experience in creating consumer products, including at least one where financial transactions occurred and mistakes were costly.

• Proven track record of launching consumer products that users actively choose to engage with.

• Proficient in credit, or the ability to quickly learn: approval rates, line assignments, vintage curves, charge-offs, interchange, and rewards liabilities.

• A very high standard for quality and a focus on customer needs, backed by data and a commitment to experimentation.

• Experience in delivering AI-driven products to real consumers.

• Excellent collaboration skills across engineering, design, data, risk, compliance, and partner teams.

• Strong decision-making abilities in a regulated context.

• Preferred: experience in card issuing, lending, or payments, along with knowledge of Reg Z and the CARD Act.

🏝️ Benefits

• Equity (stock options/RSUs)

• Comprehensive benefits

• Reasonable accommodations during the recruitment process for candidates with disabilities or special needs