Product Lead

Expa; San Francisco, Northern (CA, KY); Hybrid; USD 180,000 - 230,000; Full time

Benefits offered by this job

Hybrid work model

Fresh lunch

Commuter support

Health & wellness

Flexible PTO

Medical, dental, vision coverage

Parental leave

401k + equity

Team events

Job summary

Collective is seeking a Product Lead to drive execution across its financial platform, shaping customer and business outcomes. You will own core product areas, guide AI-driven experiences, and expand into new verticals to define the future of the operating system.

You will partner with AI engineers, operations, and colleagues to craft scalable, data-driven solutions that balance growth with near-term needs. This role is hybrid, based in San Francisco.

Qualifications

• 5-6+ years of product management experience.
• Strong domain expertise and systems thinking.
• Owner/driver mindset with bias for action.
• Drive for simplicity and elegant solutions.
• High-quality contributions.
• Comfort with ambiguity and first principles.
• Strong written and verbal communication.
• Fluency with data and ML/AI products.
• Intellectual curiosity and humility.

Responsibilities

• Own product area vision, strategy, and outcomes.
• Collaborate with AI engineers to create AI-driven experiences.
• Enable ops teams with tools and workflows; identify automation opportunities.
• Lead and inspire a cross-functional team to ship innovative experiences.
• Balance long-term growth with immediate business needs.
• Manage the roadmap and tradeoffs between priorities and resources.
• Foster strong partnerships across product teams and external partners.
• Define metrics to measure impact and track progress.

Skills

Product strategy

Cross-functional leadership

AI/ML product

Data-driven decisions

Operational mindset

Effective communication

Ownership mindset

Ambiguity tolerance

Job description

About Collective:

Collective is on a mission to redefine the way businesses-of-one work. Our technology and team of trusted advisors help members achieve financial independence by taking care of everything from business incorporation to accounting, bookkeeping, tax services, and access to a thriving community, all in one integrated platform. We believe in empowering self-employed people to enjoy the same tax savings that big companies get, so they can focus on their passion, not paperwork.

Featured in Forbes, Business Insider, Yahoo, Bloomberg, Financial Times, TechCrunch, and more. We are backed by General Catalyst, Sound Ventures (Ashton Kutcher and Guy Oseary), QED Investors, Google’s Gradient Ventures, Expa, and other investors who have financed iconic companies like YouTube, Substack, Twitch, Box, Hims, Instacart, and Lyft.

About the role:

We're seeking a Product Lead to drive execution, and directly shape customer and business outcomes across Collective’s financial platform. You won't just optimize existing systems—you will lead critical core product areas and lead the expansion into high-growth, potential new product verticals that will define the future of our financial operating system.

What you'll do:

• Own the product area vision, strategy, implementation, and customer & business outcomes for your core product areas.

• Work closely with AI engineers and subject matter experts to bring to life AI-driven product experiences - for example: intelligent automation using LLMs and agentic systems.

• Work with operational teams to ensure they have the tools and workflows to be effective, determining where product automation & AI can unlock efficiencies.

• Lead and inspire an XFN team to ship innovative experiences.

• Deeply understand business and product performance to ensure the team is focused on the highest leverage opportunities that balance long term growth with immediate business needs.

• Manage the roadmap and team processes to enhance quality and velocity of execution, make tradeoff decisions between business priorities and available resources.

• Drive effective partnership both cross-functionally, across product teams, and external partners to ensure strong business outcomes.

• Define the framework and metrics to measure the impact of the team; deeply understand core drivers and monitor progress.

What you'll bring:

• 5-6+ years of product management experience with a deep understanding of the product lifecycle.

• Strong domain expertise and foundational systems thinking (or operations-adjacent expertise), understanding day-to-day operational considerations and implications of execution.

• An 'owner' and 'driver' mindset – biased toward action and getting things done.

• Drive for simplicity & elegance – finding elegant, simplifying solutions to complex challenges.

• A high-quality bar for contributions.

• Comfort & skill with ambiguity - solving ambiguous problems with first principles and structured thinking.

• Strong written and verbal communication.

• Fluency with data and experience working on data-heavy or ML/AI products.

• Intellectual curiosity & humility.

What we offer:

• Hybrid Work Model: Based in San Francisco with a balance of in-office and remote flexibility.

• Fresh Lunch: Provided on in-office days.

• Commuter Support: $150 monthly reimbursement for transit expenses.

• Health & Wellness: $200 quarterly reimbursement to support your well-being.

• Time Off: Flexible PTO plus 14 company holidays.

• Comprehensive Coverage: 100% medical, dental, and vision for employees; 75% coverage for dependents.

• Parental Leave: 16 weeks fully paid.

• Retirement & Ownership: 401k plan plus an equity package.

• Team Connection: Quarterly virtual events and an annual in-person summit.