Senior Product Manager, Flex

About the role

You will lead the growth and adoption of the Flex card, a pay-in-4 product designed for members who lack access to traditional credit. This role owns the end-to-end success of the Flex card, translating member needs and business goals into a compelling product vision. You will manage the product roadmap from initial discovery through development, market launch, and long-term retention efforts. Cross-functional collaboration is central, as you work with engineering, design, credit, underwriting, legal, and operations to build a card that serves as a primary financial tool. You will leverage data and user research to make informed decisions that optimize the member journey. The role requires balancing user experience, risk management, and business objectives to drive sustainable growth. You will partner with other product lines to ensure a seamless experience across the DAVE ecosystem. Ultimately, you will be responsible for defining the Flex card's strategy and execution to maximize adoption and long-term engagement.

Key facts

What you'll do

• Manage the Flex card feature lifecycle from discovery and development to market launch and iteration, ensuring alignment with user needs and business goals.
• Oversee key performance indicators including offer-to-activation rates, repayment patterns, and member retention to guide data-driven product decisions.
• Partner with engineering, design, credit, underwriting, legal, and operations to prioritize backlogs and execute product goals efficiently.
• Utilize qualitative research and quantitative data to identify and act on high-impact opportunities within the member funnel, optimizing for conversion and engagement.
• Coordinate with other product lines, including ExtraCash and Dave Banking, to ensure a cohesive multi-product experience that meets broader user needs.
• Lead squads through rapid discovery and delivery cycles to ensure consistent product evolution and timely market responses.
• Define and track success metrics for the Flex card, establishing clear targets and monitoring progress against objectives.
• Synthesize complex data sets and user feedback into actionable insights that inform product decisions and roadmap priorities.
• Collaborate with stakeholders to communicate product vision, progress, and outcomes, fostering alignment across the organization.
• Drive experiments and iterative improvements to the Flex card, testing hypotheses and scaling successful initiatives.
• Ensure compliance and risk considerations are integrated into product decisions, working closely with risk and legal teams.
• Champion the Flex card in cross-functional discussions, advocating for user needs and product opportunities.
• Identify trends in the consumer financial products space and translate them into innovative features for the Flex card.
• Support the launch of new product features, conducting post-launch reviews to assess performance and inform future iterations.

Requirements

• 5+ years of experience in product management, demonstrating a track record of delivering impactful products in complex environments.
• 2+ years of experience in fintech, lending, cards, or consumer financial products, with a strong understanding of the industry landscape.
• Demonstrated success in improving growth, conversion, and retention metrics through product-led initiatives.
• Ability to manage complex product surfaces while balancing user experience, risk, and business objectives in a fast-paced setting.
• Experience collaborating with senior leadership to define and launch new initiatives, influencing without direct authority.
• Proficiency in data analysis using SQL or tools such as Looker, Mode, or Tableau to derive insights and support decision-making.
• Ability to integrate AI tools into workflows to improve speed and output quality, enhancing productivity and decision accuracy.
• Strong written and verbal communication skills, with the ability to articulate product rationale to diverse stakeholders.
• Experience working in a remote-first environment, managing time effectively and maintaining strong team collaboration.
• Comfort with ambiguity and the ability to make decisions based on incomplete information while managing multiple priorities.
• A user-centric mindset, with a deep commitment to solving real problems for members through thoughtful product design.
• Strong analytical skills, with the ability to translate data into actionable strategies and communicate findings clearly.
• Proven experience in agile product development, working effectively in sprint-based environments.
• Willingness to mentor junior team members and contribute to the growth of the product organization.
• Understanding of financial inclusion principles and a passion for serving underserved populations through technology.
• Ability to thrive in a dynamic environment, adapting quickly to changing priorities and business needs.

Nice to have

• Experience with Buy Now Pay Later (BNPL), installment lending, or open-loop card products, providing relevant context for the Flex card.
• Knowledge of cashflow-based underwriting or alternative credit models, offering insight into risk and eligibility considerations.
• Familiarity with consumer credit regulations, ensuring product initiatives comply with legal and regulatory requirements.

Skills & tools

• Product strategy and roadmap development, defining long-term vision and aligning with business objectives.
• Data analysis (SQL, Looker, Mode, Tableau), using insights to drive product decisions and measure impact.
• Consumer financial product lifecycle management, overseeing product stages from concept to maturity.
• Stakeholder management across engineering, design, and risk, fostering collaboration and alignment.
• AI-assisted productivity tools, leveraging technology to enhance workflow efficiency and output quality.
• Experience with financial modeling and scenario analysis to evaluate product performance and trade-offs.
• Strong prioritization skills, balancing user needs, business goals, and technical constraints.
• Ability to translate complex concepts into clear narratives for both technical and non-technical audiences.
• Experience with A/B testing and experimentation frameworks to validate product hypotheses.
• Knowledge of customer journey mapping and pain point identification to guide product improvements.

Practical notes

• This is a virtual-first role based in the United States; candidates must reside in the U.S. (excluding Hawaii).
• Benefits include medical, dental, and vision insurance, 401(k) matching, flexible PTO, and a home office stipend.
• The role reports to the Senior Director, Product Management.
• Candidates should be prepared for a dynamic work environment with evolving priorities and cross-functional collaboration.
• The position requires regular participation in team meetings, sprint planning, and stakeholder check-ins.
• Applicants must be eligible to work in the United States without sponsorship.
• The compensation range reflects the base salary and equity components, subject to individual negotiation within the specified range.
• The Flex card product serves a unique member segment, requiring a deep understanding of financial inclusion and user empathy.
• This role involves frequent interaction with cross-functional teams, necessitating strong collaboration and communication skills.
• The successful candidate will be expected to contribute to the broader product strategy and influence long-term initiatives.