Product Manager

WHO WE ARE

At Trustly, we're building a smarter, faster, and more secure financial future by revolutionizing the world of payments. As a global leader in Open Banking Payments, we are establishing Pay by Bank as the new standard at checkout, providing unparalleled freedom, speed, and ease to millions of consumers and merchants worldwide.

Our Ambition:
To build the world’s most disruptive payment network and redefine what the payment experience should feel like.

Trustly is a global team of innovators, collaborators, and doers. If you are driven by a strong sense of purpose and thrive in a dynamic, entrepreneurial, and high‑growth environment, join us and be part of a team that’s transforming the way the world pays.

As Trustly’s Staff Product Manager for our next-generation consumer product (GoConsumer), you will define and drive the vision for a financial experience powered by intelligent automation, personalised coaching, and rewarding engagement systems. This role blends product strategy, AI‑driven personalisation, behavioural design, and hands‑on execution with engineering.

You’ll work closely with engineers, data scientists, behavioural scientists, designers, product marketers, and leadership. This is a highly cross‑functional role where you’ll translate deep technical capabilities (open banking, data pipelines, ML models, LLMs) into intuitive, emotionally resonant user experiences that drive meaningful outcomes.

• Lead the next phase of our AI financial coach, evolving it into a fully personalised, adaptive, conversational system that guides consumers towards their goals.
• Partner with AI/LLM engineers to shape and refine the conversational and predictive behaviours of the coach — from how it reasons about money to how it guides users through budgeting, avoiding fees, and planning ahead.
• Define and continuously improve evaluation approaches — both quantitative and qualitative — to monitor accuracy, tone, clarity, safety, and how well the coach completes real financial‑coaching tasks.
• Define the coaching logic, personalisation rules, and “reasoning framework” of the coach — when to nudge, when to step in, when to stay quiet.
• Own the AI × human interaction design: tone, empathy, trust, explainability, safety, and compliance ensuring it hits the desired brand tone of voice.
• Measure outcomes not only through engagement but visible improvements in financial health (savings, fewer overdrafts, more stability) from a consumer’s open banking data.
• Design and iterate on engagement systems that make progress towards positive financial habits rewarding (streaks, milestones, progress bars, missions, challenges).
• Own motivational loops built on behavioural science — turning short‑term actions into long‑term habits without manipulation or compliance risk.
• Partner with UX researchers and behavioural scientists to define user psychology frameworks that demonstrate real behavior change.
• Collaborate with data teams to personalise challenges and goals based on each user’s behaviour, needs, and risk profile.
• Define and track key behavioural engagement metrics such as DAU/MAU, streak completion, task participation, and retention as well as the key financial metrics - unit product economics and overall financial viability of the GoConsumer service.
• Work with Product Marketing to position these gamified experiences as a core part of our narrative and differentiation in a crowded market.
• Leverage technical understanding (CS, AI, ML, modern architecture) to work seamlessly with engineering, make smart trade‑offs, and maintain scalability and security.
• Present product strategy, learnings, and performance to executive leadership.
• Partner tightly with Compliance, Risk, Data, and Operations to ensure everything meets regulatory and safety standards.
• Drive us toward product‑market fit by identifying the highest‑value user problems, validating what truly moves financial outcomes, and rapidly iterating the coach’s behaviours, features, and engagement loops based on real user data, experiments, and feedback.

• 7+ years of Product Management experience in consumer fintech, high‑quality…