Principal Product Manager

ABOUT the company

Hi there, we're the company, and our vision is to empower everyday people to build a stronger financial future. In less than 2 years, we’ve saved customers over $100 million in unnecessary interest and fees.

We are using AI to unlock the $1.1 Trillion in vehicle equity trapped within cars owned by Americans in the form of a high limit, standard rate credit card for those traditionally excluded from mainstream financial offerings.

The company Credit Cards have similar APRs to those issued for prime borrowers with no hidden fees or overdraft charges and help build their customers' credit score. The company's credit limits are 4x higher than cards typically available for non-prime borrowers.

ROLE OVERVIEW

As a Principal Product Manager, you'll lead product for the team building the company's internal AI and automation platforms. Cost-to-serve and AI-driven automation are two of the company's superpowers, and you'll own the roadmap that turns them into a durable advantage, serving customers at a fraction of the cost of a traditional lender while making every interaction faster and better for the people on both sides of it. You'll drive product across a broad surface area: credit card & title operations, fraud, banking platforms, collections, and engineering productivity. You'll thrive in a fast-paced, high-growth environment where things move quickly and can turn on a dime. You'll challenge assumptions, act with urgency, and deliver meaningful results for both our customers and the company.

While this is your initial scope, the company is growing fast and new product opportunities emerge often. We hope the chance to tackle a more diverse set of problems is exciting to you.

RESPONSIBILITIES

• Own and evolve the product vision, strategy, and roadmap for the company's AI & ops automation, fraud, and engineering-productivity platforms, balancing big-picture bets with iterative, tactical delivery.

• Use AI to automate operational workflows e2e, lowering cost-to-serve while improving CSAT for the ops teams who use your tools and the cardholders they serve.

• Conduct quantitative and qualitative research with both ops users and cardholders, and define the KPIs that guide prioritization and measure impact.

• Advocate for the user and bring product and customer insights into company-wide business decisions.

• Communicate critical information clearly and foster a transparent, collaborative working environment.

WHAT YOU’LL NEED

• 6+ years of experience in product management in high-growth tech environments.

• Proven ability to lead small, cross-functional teams to deliver measurable results with a bias for action and comfort with ambiguity.

• Strong analytical skills and a knack for turning insights into actionable strategies.

• Exceptional communication skills and the ability to influence stakeholders across all levels of the organization.

• A customer-first mindset with a passion for solving real-world problems.

• AI Product Fluency with daily use of LLMs for analytics, writing, design and prototyping.

NICE-TO-HAVES

• Domain experience in fintech, consumer apps or AI Automation.

• Expertise in building internal tools for operations or engineering.

• Technical background in software engineering.

WHY JOIN US

🤝 You can make a real impact to the lives of our customers. 100 million Americans lack access to sustainable credit and are forced to use predatory loans. Think 500%+ APR alternative financing options such as Auto Title, Payday, Pawn, and Personal Loans. Each year almost 25% of adults are excluded from the mainstream credit system, severely inhibiting their chances of accessing affordable borrowing, getting a mortgage, or even an auto loan.

👨‍💼 Our executive team has multiple exits under their belts, having founded $100M+ revenue companies. Additionally, many executives have held leadership roles at public companies and unicorn startups alike.

🧠 We are backed by leading VCs, accomplished entrepreneurs, respected philanthropists, and founders from across the U.S. Our backers are the minds and investors behind the success of the Apple Card, Brex, Dave, Scribd, Parse, Canva, Robinhood, Flexport, Gusto, Reddit, Notion, LinkedIn, among others.

🏠 the company is based in Dallas, Texas with a nationwide remote-first team. We also have offices in Philadelphia and a new office opening in the San Francisco Bay Area. This role is remote or in one of these offices.

💰 Competitive Salary and Equity

🍎 Comprehensive medical, dental, vision and life Insurance

📊 401K

🏝 Unlimited PTO

Our core values

• Our customers are our compass - We prioritize our customers' needs in every decision, guiding our work to solve real problems and create meaningful solutions. We make a positive impact by enhancing their experiences and addressing what truly matters to them.

• Trust is earned, not assumed - We communicate openly, honestly, and with humility, earning trust through integrity and clarity in all interactions. By prioritizing straightforward communication and actions, we build strong relationships and ensure our intentions are always understood.

• Diverse perspectives, stronger outcomes - We serve diverse customers and believe that different perspectives make us stronger. Committed to equity, we value each team member, ensuring all voices are heard and respected. By fostering an inclusive culture, we empower fair and meaningful contributions to drive our success.

• Embrace Growth Together - We are drivers, we move with urgency, and we strive for excellence in everything we do. Our customers deserve the best, so we hold ourselves accountable to high standards. Through proactive ownership, thoughtful execution, and a commitment to bettering ourselves and our work every day, we deliver results that make a lasting impact.

• Own every outcome - Rooted in expertise and creativity, innovation is at our core. We challenge norms, push past limitations, and seek to redefine boundaries. Yesterday’s plan may be outdated given today’s information and by questioning assumptions and challenging one another, we stay agile and open-minded, turning every situation into an opportunity to delight our customers.

• Courage to challenge - Low ego, coaching, and mutual respect are the foundation of our teamwork. We empower each other and solve problems collaboratively without blame, creating a space for everyone to thrive and contribute to our collective success.