10+ years in product, strategy, or P&L roles in consumer credit, with 5+ in credit cards or consumer lending
Direct P&L ownership of a card or lending product
Fluency in card economics including interchange and credit losses
Working knowledge of credit risk and underwriting
Proven ability to set product direction and gain buy-in from stakeholders
Experience leading through influence and coaching without formal authority
Comfort in a regulated environment like UDAAP and CFPB
SQL or hands-on data analysis skills
Responsibilities
Lead product strategy for the Credit Card vertical, balancing growth and compliance
Translate strategy into a prioritized roadmap for engineering teams
Collaborate with Finance and Risk to drive card unit economics and forecasting
Manage relationships with vendors and card networks like Visa
Oversee issuer bank relationships, including program terms and approvals
Convert analysis into actionable recommendations for stakeholders
Benefits
Generous health, dental, and vision insurance coverage
Employer-paid life and disability benefits
Hybrid work arrangement
Flexible vacation policy
Company performance-based bonuses
Paid parental leave
Company equity in stock options
Education reimbursement program
Relocation bonus for moving to Austin
Gym membership options or monthly reimbursement
Lunchdrop stipend
Paid parking
Opportunities for ERG and inclusion
Casual dress code
Team building events and activities
Referral program
Full Job Description
Title
Director of Product, Credit Card Team
Credit Card Product team owns product strategy, roadmap, KPIs, and P&L for our secured and unsecured credit cards, including pricing, features, and the card platform.
Location: Austin, TX
Work Arrangement: Austin - Hybrid or Remote About the Role
We're looking for a Director of Product who knows credit cards well and can take our existing programs to the next level. You'll set direction on card economics and pricing, manage key partners like Visa and our issuer bank, and coach the product managers in the credit card space. You'll bring the strategic judgment and the math, and you'll deliver clear recommendations. You'll also support the graduation of customers from the Credit Builder Account (CBA) to the card.
What you'll do:
Lead the Credit Card vertical's product strategy (including customer-facing features and the credit card platform), partnering with leadership to shape portfolio-level bets that balance growth, profitability, customer experience, and regulatory compliance
Translate strategy into a prioritized roadmap and clear requirements for your engineering team, while acting as a mentor and multiplier for PMs across the department
Partner with Finance, Risk, and Analytics to drive the card unit economics model and forecast, supplying the inputs that keep our forecasting accurate
Manage vendor and card network relationships (Visa, CPI)
Manage issuer bank relationships, including program terms, reviews, and change approvals
Turn analysis into clear recommendations and get buy-in from executives, peers, and external partners
What You Bring
10+ years in product, strategy, or P&L roles in consumer credit, with 5+ in credit cards or consumer lending
Direct P&L (or equivalent economics) ownership of a card or lending product
Fluency in card economics: interchange, APR and fee mix, credit losses, vendor and acquisition costs, and LTV
Working knowledge of credit risk and underwriting, with the ability to partner with and challenge Risk
A record of setting product direction and getting buy-in from executives, peers, and external partners
Experience leading through influence and coaching senior individual contributors without formal authority
Comfort in a regulated environment: UDAAP, fair lending, CFPB, and bank partner oversight
SQL or hands-on data analysis skills, plus experience running experiments
Strong customer instincts, especially for credit-builders
What Separates You
Experience with secured, near-prime, or subprime card portfolios
Sponsor or issuer bank and card network experience
Pricing and product evaluation experience (rewards, fee structures) with economics sizing
Experience at a scaling fintech
A point of view on AI in the PM workflow, and experience driving team adoption
Benefits & Perks
Generous health, dental, and vision insurance coverage
Employer-paid benefits including life, disability, and cost-containment resources
Hybrid work arrangement
Flexible vacation
Company performance-based bonuses
Paid parental leave
Company equity in the form of stock options
Education reimbursement program
Relocation bonus to move to Austin
Gym membership options through ClassPass or monthly reimbursement
