Senior Product Manager - Loyalty & Retention

Company

Credit Genie is a mobile-first financial wellness platform designed to help individuals take control of their financial future. We leverage artificial intelligence to provide personalized insights and are building a financial ecosystem by offering tools and services that provide instant access to cash, and building credit. Our goal is to empower every customer to achieve long-term financial stability.

Founded in 2019 by Ed Harycki, former Swift Capital Founder (acquired by Pay Pal in 2017). Backed by Khosla Ventures and led by industry pioneers from companies such as;
Pay Pal, Square, and Cash App, we are well positioned to build the future of inclusive finance through cutting-edge technology and customer-centric solutions.

Overview

As a Senior Product Manager, Loyalty & Retention, you will own the strategy and roadmap to deepen customer engagement, increase repeat usage, and extend lifetime value. You'll lead lifecycle and in‑product programs-from onboarding activation to milestones, rewards, re‑engagement, and win‑back-that drive retention, reduce churn, and strengthen trust.

This is a highly visible, cross‑functional role partnering with Design, Engineering, Data, Growth/CRM, Risk/Compliance, and Support. You will blend customer understanding, segmentation and cohort analysis, and rigorous experimentation to deliver durable retention outcomes.

What You'll Do

* Define and own the loyalty and retention strategy across the customer lifecycle (activation, engagement, expansion, re‑activation, win‑back).

* Build and iterate in‑product loyalty mechanics (e.g., progression ladders, status/tiers, streaks, credit‑building milestones) that reward responsible behaviors and repeat usage.

* Partner with Growth/CRM to run lifecycle messaging across push, email, and in‑app surfaces that is timely, personalized, and measurable.

* Lead a data‑driven experimentation program across journeys and offers; define guardrails and success metrics (e.g., day‑7/30/90 retention, repeat advance rate, ARPU/LTV, churn rate, contact rate, repayment behavior).

* Use segmentation and cohort analysis to identify high‑value audiences and tailor experiences by needs, risk profile, and engagement stage.

* Improve onboarding activation and time‑to‑value through clearer value propositions, simplified flows, and contextual education.

* Launch win‑back and save flows for at‑risk or dormant customers, informed by leading indicators (declines, friction points, repayment struggles, support intents).

* Partner with Risk/Compliance to design responsible retention levers that meet regulatory standards while preserving clarity and customer trust.

* Collaborate with Support/Ops to reduce avoidable contacts, increase self‑serve resolution, and improve CSAT/NPS for retained users.

* Instrument end‑to‑end event schemas and dashboards for transparent measurement and fast iteration.

What We're Looking For

* 7+ years of product management experience with a focus on loyalty, lifecycle, retention, or growth of a consumer product.

* Proven track record improving retention and repeat usage via in‑product programs, lifecycle messaging, and rigorous experimentation.

* Expertise with funnels, cohorts, survival analysis, segmentation, and A/B testing; comfortable defining metrics and reading noisy results.

* Demonstrated ability to balance user value, risk/compliance, and business outcomes; thoughtful about guardrails and long‑term trust.

* Excellent cross‑functional leadership and communication; able to align executives and partners around a clear retention strategy.

* Deep empathy for customers navigating financial stress and a passion for building fair, accessible, and habit‑forming financial products.

Nice to Have

* Experience in mobile consumer fintech (credit‑building, payments, or cash advance), including push, personalization, and engagement loops.

* Background partnering with Risk/Fraud/Underwriting to design responsible progression mechanics and eligibility gates.

* Hands‑on with CRM/lifecycle tools (e.g., Braze/Send Grid), analytics (e.g., Amplitude/Segment), and feature flag/experimentation platforms.

* Exposure to regulated consumer finance, including…