Director of Product - Credit Card

Self Financial; Austin (TX); Híbrido; USD 180.000 - 240.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Relocation bonus to move to Austin

Stock options

Flexible vacation

Health, dental, vision insurance

Gym membership

Descripción de la vacante

Self Financial in Austin, TX, seeks a Director of Product to elevate our Credit Card program. You will own card economics, pricing, and partnerships with Visa and our issuer bank, while coaching product managers to deliver data-driven, compliant solutions.

You bring 10+ years in consumer credit product leadership, deep expertise in card economics, and a track record of influencing executives. This role blends strategy, analytics, and hands-on roadmapping in a fast-growing fintech.

Formación

• 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 and ability to influence economics.
• Experience with card economics: interchange, APR, fees, credit losses, and LTV.

Responsabilidades

• Lead product strategy for the Credit Card vertical to balance growth, profitability, customer experience, and regulatory compliance.
• Translate strategy into a prioritized roadmap and clear engineering requirements; mentor PMs.
• Partner with Finance, Risk, and Analytics to drive unit economics and forecasting.
• Manage vendor and card network relationships (Visa, CPI) and issuer bank terms.

Conocimientos

Credit card experience

P&L ownership

Card economics

Credit risk

Strategic influence

People leadership

Regulatory compliance

SQL / data analysis

Customer focus

Vendor / network management

Herramientas

SQL

Descripción del empleo

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
• Generous health, dental, and vision insurance coverage
• Employer-paid benefits including life, disability, and cost-containment resources
• Flexible vacation
• Company performance-based bonuses
• Paid parental leave
• Company equity in the form of stock options
• 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.