Director of Product - Credit Card

The role

Lead the product strategy and roadmap for Self Financial's credit card line, including secured and unsecured cards, pricing, features and the card platform. Manage card economics, vendor and card network relationships, and the issuer bank relationship, and mentor product managers.

What you will do

• Lead the Credit Card vertical's product strategy, including customer-facing features and the credit card platform
• Translate strategy into a prioritized roadmap and clear requirements for the engineering team
• Mentor and support product managers across the department
• Partner with Finance, Risk and Analytics on the card unit economics model and forecast
• 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
• Support customers moving from the Credit Builder Account (CBA) to the card

Required qualifications

• 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

Nice to have

• 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

• Generous health, dental and vision insurance coverage
• Employer-paid life and disability insurance, 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, referral program

Before you apply

• Must be a U.S. citizen or permanent resident (green card holder)
• No visa sponsorship offered, now or in the future
• All new hires must pass a background check
• AI tools must not be used to generate or assist answers during interviews unless explicitly invited

About the company

Self Financial is a venture-backed, high-growth FinTech company that aims to increase economic inclusion and financial resilience by helping people build credit and savings. It focuses on the 100 million+ Americans who have no or low credit.