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Director of Product - Credit Card
🕒 yesterday
Credit Card Product StrategyProduct Roadmap DevelopmentP&L OwnershipCard Economics
📜 Description
- Set product strategy for credit card features and platform, balancing growth, profitability, customer experience, and regulatory compliance.
- Translate strategy into a prioritized roadmap and clear engineering requirements; mentor product managers across the department.
- Partner with Finance, Risk, and Analytics on card unit economics and forecasting.
- Manage vendor, card network, and issuer bank relationships, including program terms, reviews, and change approvals.
- Turn analysis into recommendations and build support with executives, peers, and external partners.
- Support customers graduating from the Credit Builder Account to a credit card.
🛠️ Requirements
- 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
✨ Benefits
- Dental
- 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
Full job description
About Self Financial
Self Financial is a venture-backed, high-growth FinTech company with a mission to increase economic inclusion and financial resilience by empowering people to build credit and build savings.
We challenge the status quo of the credit industry by giving people accessible tools to take control of their credit, with a focus on the 100 million+ Americans who have no or low credit. We're looking for people who share our passion, tackle challenges, find solutions, and make the financial space better for the communities we serve.
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
- Lunchdrop stipend
- Paid parking
- ERG and inclusion opportunities
- Casual dress code
- Team building events and activities
- Referral program
Equal Opportunity Employer
Self Financial is an Equal Opportunity Employer. We celebrate diversity and are committed to an inclusive environment. We do not discriminate on the basis of any protected group status under applicable law. If you need an accommodation during the application or interview process, please let us know.
Work Authorization
We can only consider candidates who are U.S. citizens or permanent residents (green card holders). We are unable to offer visa sponsorship of any kind, now or in the future. All new hires must successfully pass a background check.
AI Integrity Policy
Self Financial is an AI-forward company. Our interview process is designed to understand your own career experience, technical acumen, and communication skills. Please do not use AI tools to generate or assist with your answers during interviews unless we explicitly invite you to. If we have reason to believe AI was used in a way that misrepresents your own abilities, we may remove you from the interview process and from consideration for future opportunities at Self.
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