Product Manager - Credit

San Bruno, CA: $143,000 - $286,000/yr Sunnyvale, CA: $143,000 - $286,000/yr Regular/ Permanent Salaried Loading map...San Bruno, CA: $143,000 - $286,000/yr Sunnyvale, CA: $143,000 - $286,000/yr Regular/ Permanent Salaried Position Summary...

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.

• 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.

• 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.

• 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.
• Additional compensation includes annual or quarterly performance bonuses.
• Stock benefits.
• We offer competitive pay as well as performance‑based bonus awards and other great benefits for a happier mind, body, and wallet.

• 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, ideally working on consumer‑facing, large‑scale, highly complex B2B/C products.
• We value…