Senior Product Designer – Spend – Credit at Wise

Creative Boom Ltd.; Greater London; Hybrid; GBP 72,000 - 105,000; Full time

Benefits offered by this job

Sabbaticals

Flexible working

Stock options

Job summary

Wise is hiring a Senior Product Designer for its newly created Credit team in London. You’ll shape Wise’s first credit products, starting with US Business credit, and make borrowing, spending and repayment simple and fair.

You’ll collaborate closely with Product, Engineering, Research and Analytics to ship high-impact improvements and establish design foundations for global expansion while balancing local nuances and regulatory considerations.

Qualifications

• You have strong experience designing complex product experiences, including the operational processes behind the interface.
• You’re comfortable working with ambiguity and shaping problem spaces, not just solutions.
• You can simplify complexity and design intuitive experiences in constrained environments.
• You think in systems and journeys, not just individual screens.
• You’re comfortable designing for global products across multiple markets, simplifying regional regulatory and operational differences.
• You use data and research to inform your decisions.
• You communicate clearly and collaborate effectively across disciplines.
• You care deeply about building products that customers trust and rely on.

Responsibilities

• Own the full credit journey: eligibility, application, decisioning, onboarding, limits, statements, repayments and support.
• Shape the product proposition and roadmap, not only the execution.
• Identify and solve points of friction in how customers pay, track and manage their spending.
• Design for a global product – balancing consistency with local nuances across markets.
• Turn complex systems and constraints into simple, intuitive user experiences.
• Collaborate with Product, Engineering, Research and Analytics to ship high-impact improvements.
• Use data and research to continuously improve customer outcomes.
• Raise the bar for design quality and consistency across Wise's Credit offerings.
• Improve critical moments in the credit journey – declines, limit changes, statements, missed repayments and restrictions.
• Balance customer experience with risk, compliance and operational constraints.

Job description

Wise is hiring a Senior Product Designer for its newly created Credit team. The role will shape Wise's first credit products, starting with US Business credit, making borrowing, spending and repayment simple and fair. You'll help the Credit team understand customer needs for both business and personal credit, and help establish the design foundations for future expansion.

What you'll be doing

• Own the full credit journey: eligibility, application, decisioning, onboarding, limits, statements, repayments and support




• Shape the product proposition and roadmap, not only the execution




• Identifying and solving points of friction in how customers pay, track and manage their spending




• Designing for a global product – balancing consistency with local nuances across markets




• Turning complex systems and constraints into simple, intuitive user experiences




• Collaborating closely with Product, Engineering, Research and Analytics to ship high-impact improvements




• Using data and research to continuously improve customer outcomes




• Raising the bar for design quality and consistency across Wise's Credit offerings

How you'll contribute

• Help customers understand whether credit is right for them




• Support responsible application, utilisation and repayment outcomes




• Influence which propositions Wise pursues and how the roadmap develops




• Help eligible customers use Wise Credit responsibly when it meets a genuine need




• Build trust by making credit feel transparent, predictable and easy to understand




• Reduce customer confusion and support needs through clearer, more proactive design




• Improve critical moments in the credit journey – declines, limit changes, statements, missed repayments and restrictions




• Design experiences that scale globally while working well in local contexts




• Balance customer experience with risk, compliance and operational constraints

This role will give you the opportunity to

• Be a foundational designer in a new product area




• Lead zero-to-one work with significant autonomy, owning highly visible, high-impact problems




• Shape the end-to-end Credit experience with a new cross-functional team




• Influence product strategy through design, not just execution




• Tackle complex, real-world problems at the intersection of money, risk and global payments




• See the direct impact of your work on customer behaviour and business outcomes

What we're looking for

• You have strong experience designing complex product experiences, including the operational processes behind the interface, ideally in fintech or a similarly complex domain




• You're comfortable working with ambiguity and shaping problem spaces, not just solutions




• You can simplify complexity and design intuitive experiences in constrained environments




• You think in systems and journeys, not just individual screens




• You're comfortable designing for global products across multiple markets, simplifying regional regulatory and operational differences




• You use data and research to inform your decisions




• You communicate clearly and collaborate effectively across disciplines




• You care deeply about building products that customers trust and rely on

This role probably isn't for you if:

• Your experience is primarily visual execution rather than end-to-end product and service design.




• You prefer fully defined briefs over helping determine what should be built.




• You're uncomfortable challenging product, commercial or risk assumptions when they could produce poor customer outcomes.

What's on offer

• £72,000 – £105,000 a year




• "From me days to mission days, sabbaticals to stock, and everything in between"




• Company-wide principles around flexible working, with teams setting their own guidelines. New joiners are expected to be in the office most days during their first six months; after that, most people can work virtually from (almost) anywhere in the world for up to 90 days a year.

Wise is an international team and says it believes teams are strongest when they are diverse, equitable and inclusive.