Senior Product Manager - Credit

Accountabilities:

The Senior Product Manager - Credit will own the end-to-end product strategy and execution for core credit platform capabilities, balancing customer needs, technical requirements, business objectives, and regulatory considerations. Key responsibilities include:

• Define and execute a multi-quarter product roadmap for core credit platform services, aligning priorities with customer needs, business goals, and regulatory requirements.
• Develop detailed product requirements, technical specifications, and documentation to guide engineering teams in building scalable backend systems, APIs, and data models.
• Lead cross-functional product delivery across Engineering, Go-to-Market, Operations, Legal, Compliance, and Risk teams, ensuring accountability and effective execution.
• Collaborate with engineering leaders on system architecture decisions related to credit account management, transaction processing, and data integrity.
• Ensure credit account APIs deliver reliability, scalability, and seamless integration for external customers and their applications.
• Prioritize features across the credit product portfolio, balancing technical complexity, customer roadmaps, business impact, and resource constraints.
• Engage directly with external customers and internal stakeholders to understand challenges, validate product concepts, and deliver meaningful solutions.
• Use product analytics and performance metrics to identify platform gaps, evaluate feature effectiveness, and refine roadmap priorities.
• Translate complex technical, regulatory, and architectural considerations into clear product decisions for engineering teams, executives, and enterprise customers.
• Support compliance and risk reviews throughout the product development lifecycle to ensure solutions meet applicable requirements.

Requirements:

The ideal candidate is a technically proficient product leader with extensive experience in credit products or lending platforms, a strong understanding of backend architecture, and the ability to influence decisions across technical and business teams. Required qualifications include:

• At least 5 years of product management experience focused on credit cards, lending, or related financial products, with a demonstrated record of owning complex platforms or backend product areas end to end.
• At least 5 years of hands-on experience working with backend systems and APIs.
• Deep technical knowledge of APIs, distributed systems, and modern production environments, with the ability to assess architectural trade-offs and contribute meaningfully to engineering discussions.
• Experience translating complex product requirements into detailed technical specifications, data models, and scalable platform capabilities.
• Strong understanding of regulatory and compliance considerations relevant to credit products, including the ability to navigate legal and risk reviews during product delivery.
• Exceptional written and verbal communication skills, with the ability to explain technical and regulatory concepts clearly to engineers, executives, and enterprise customers.
• Demonstrated ability to influence stakeholders at all organizational levels and build strong cross-functional partnerships.
• Strong strategic thinking, analytical skills, and sound judgment in prioritizing product investments and making trade-off decisions.
• Customer-focused mindset, with experience gathering feedback, validating solutions, and using data to measure product impact.

Preferred qualifications include familiarity with payment network rules, card scheme regulations, and payment technology best practices relevant to credit product design and platform architecture.

Benefits:

• Competitive annual base salary based on experience and work location:
  • National locations: $120,600–$150,700.
  • Premium locations: $130,500–$163,100.
  • Annual bonus opportunities for eligible employees, based on individual performance and overall company results.
  • Multiple health insurance options.
  • Flexible paid time off.
  • Retirement savings program with employer contributions and after-tax contribution options.
  • Equity in a publicly traded company and access to an Employee Stock Purchase Program.
  • Family-forming benefits, fertility support, and enhanced parental leave pay.
  • Free therapy sessions, financial coaching, professional coaching, and legal advice.
  • Monthly stipend to support remote work.
  • Annual professional development budget to support learning and career growth.
  • Flexible-first work environment, with remote work available from eligible Premium or National locations within the United States.