(USA) Staff, Product Manager - Credit

Walmart Inc.; San Bruno (CA); On-site; USD 143,000 - 286,000; Full time

Benefits offered by this job

Health benefits

401(k) and stock purchase

Paid time off

Education benefits

Job summary

Walmart is seeking a Staff Product Manager to lead the Global Credit Platform, shaping end-to-end product strategy for credit capabilities powering member acquisition, engagement, and loyalty across domestic and international markets.

You will drive AI-enabled credit decisioning and payments, partner with banking/payments ecosystems, and guide cross-functional teams to deliver scalable platform solutions that align with risk and compliance requirements.

Qualifications

• Option 1: Bachelor’s degree in computer science, engineering, or related area and 7 years’ experience in product management.
• Option 2: 9 years’ experience in product management or related area.
• Master’s degree in Computer Science, Engineering, Business Administration, or related area and 6 years’ experience as a product manager.

Responsibilities

• Own the Global Credit Platform and define the long-term vision.
• Build scalable credit decisioning, underwriting, and payments across markets.
• Lead AI‑first product development and rapid experimentation to scale capabilities.
• Translate business priorities into roadmaps, KPIs, and measurable outcomes.
• Collaborate with Engineering, Design, Legal and Compliance to ensure regulatory adherence.

Job description

Position Summary

We are looking for a Staff Product Manager to lead the Global Credit Platform—a high‑stakes, high‑visibility initiative at the intersection of financial services, membership, and retail technology. You will own the end‑to‑end product strategy for global credit capabilities that power member acquisition, engagement, and loyalty across our domestic and international markets. This role requires a unique combination of fintech expertise, platform thinking, growth mindset, and AI fluency to build intelligent, scalable credit infrastructure that serves millions of members worldwide.

About the Team

The Enterprise Financial Services team is central to delivering seamless, responsible credit experiences that enhance membership value. Working closely with Engineering, Design, Data Science, Risk, Legal, Compliance, and Operations, the team operates at the scale of a leading global retailer. The team combines rapid experimentation with disciplined execution and a strong focus on AI‑driven innovation. By leveraging data, emerging technologies, and cross‑functional collaboration, the team develops differentiated financial solutions that meet evolving customer expectations and business needs.

What you'll do

• Own the Global Credit Platform
• Define and drive the long‑term vision and product roadmap for a global credit platform spanning credit card products and strategic partnerships.
• Build scalable credit decisioning, underwriting, and payments capabilities that support multiple markets and geographies.
• Drive Credit Growth
• Lead product initiatives across the entire credit lifecycle, from acquisition through engagement and retention.
• Translate business priorities into product roadmaps, success metrics, KPIs, and measurable business outcomes.
• Lead AI Innovation
• Champion AI‑first product development by identifying opportunities where AI and machine learning improve credit decisioning, personalization, and operational efficiency.
• Develop experimentation frameworks that rapidly validate ideas and convert successful tests into scalable platform capabilities.
• Lead Through Influence
• Partner with Engineering, Design, and Financial Services leaders to align on product strategy and execution.
• Communicate product vision, strategy, and business impact to senior executives.
• Collaborate closely with Legal and Compliance teams to ensure cross‑jurisdictional regulatory adherence.

What you'll bring

• 8+ years of product management experience, including 3+ years in fintech, credit, lending, or financial services at scale.
• Demonstrated experience building or scaling platform‑level products that serve multiple downstream customers, business units, or markets.
• Proven track record leveraging AI tools—including generative AI, experimentation platforms, and copilot technologies—to accelerate product development and execution over the past two years.
• Experience partnering with banking partners, payment networks, or fintech providers in a product management capacity.
• Strong understanding of growth frameworks, including acquisition funnels, activation, engagement, and lifecycle management.
• Exceptional executive communication, stakeholder management, and storytelling skills.
• Experience building global products and supporting multi‑market product localization is strongly preferred.

Compensation and Benefits

The annual salary range for this position is $143,000.00 - $286,000.00

Additional compensation includes annual or quarterly performance bonuses. Additional compensation for certain positions may also include:

• Stock

At Walmart, we offer competitive pay as well as performance‑based bonus awards and other great benefits for a happier mind, body, and wallet.

• Health benefits include medical, vision, and dental coverage.
• Financial benefits include 401(k), stock purchase and company‑paid life insurance.
• Paid time off benefits include PTO (including sick leave), parental leave, family care leave, bereavement, jury duty, and voting.
• Other benefits include short‑term and long‑term disability, company discounts, Military Leave Pay, adoption and surrogacy expense reimbursement, and more.
• You will also receive PTO and/or PPTO that can be used for vacation, sick leave, holidays, or other purposes.
• The amount you receive depends on your job classification and length of employment. It will meet or exceed the requirements of paid sick leave laws, where applicable. For information about PTO, see https://one.walmart.com/notices.
• Live Better U is a Walmart‑paid education benefit program for full‑time and part‑time associates in Walmart and Sam's Club facilities.
• Programs range from high school completion to bachelor's degrees, including English Language Learning and short‑form certificates.
• Tuition, books, and fees are completely paid for by Walmart. Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to a specific plan or program terms. For information about benefits and eligibility, see One.Walmart.

Minimum Qualifications

Option 1: Bachelor’s degree in computer science, engineering, or related area and 7 years’ experience in product management.

Option 2: 9 years’ experience in product management or related area.

Preferred Qualifications

Master’s degree in Computer Science, Engineering, Business Administration, or related area and 6 years’ experience as a product manager, ideally working on consumer-facing, large‑scale, highly complex B2B/C products, We value candidates with a background in creating inclusive digital experiences, demonstrating knowledge in implementing Web Content Accessibility Guidelines (WCAG) 2.2 AA standards, assistive technologies, and integrating digital accessibility seamlessly. The ideal candidate would have knowledge of accessibility best practices and join us as we continue to create accessible products and services following Walmart’s accessibility standards and guidelines for supporting an inclusive culture.

Primary Location

850 Cherry Ave, San Bruno, CA 94066-3031, United States of America

Walmart and its subsidiaries are committed to maintaining a drug‑free workplace and has a no tolerance policy regarding the use of illegal drugs and alcohol on the job. This policy applies to all employees and aims to create a safe and productive work environment.

Fifty years ago, Sam Walton started a single mom‑and‑pop shop and transformed it into the world’s biggest retailer. Since those founding days, one thing has remained consistent: our commitment to helping our customers save money so they can live better. Today, we’re reinventing the shopping experience and our associates are at the heart of it.

You’ll play a crucial role in shaping the future of retail, improving millions of lives around the world. This is that place where your passions meet purpose. Join our family and create a career you’re proud of.