Director of Product, Credit Card

Self Financial • Austin, TX

2d • Hybrid

About The Position

Self Financial is a venture-backed, high-growth FinTech company focused on increasing economic inclusion and financial resilience by helping people build credit and savings. The Credit Card Product team owns product strategy, roadmap, key performance indicators, and profit and loss for the company’s secured and unsecured credit cards, including pricing, features, and the card platform.

The Director of Product will advance existing credit card programs by setting direction on card economics and pricing, managing relationships with Visa and the issuer bank, and coaching product managers. The role combines strategic judgment and quantitative analysis to develop clear recommendations, and supports customer graduation from the Credit Builder Account to the card. The position is based in Austin, Texas, with a hybrid or remote work arrangement.

Requirements

• 10+ years of experience in product, strategy, or P&L roles in consumer credit, including 5+ years in credit cards or consumer lending.
• Direct P&L or equivalent economics ownership of a card or lending product.
• Fluency in card economics, including interchange, APR and fee mix, credit losses, vendor and acquisition costs, and lifetime value (LTV).
• Working knowledge of credit risk and underwriting, with the ability to partner with and challenge Risk.
• A record of setting product direction and gaining buy-in from executives, peers, and external partners.
• Experience leading through influence and coaching senior individual contributors without formal authority.
• Comfort working in a regulated environment, including UDAAP, fair lending, CFPB requirements, and bank partner oversight.
• SQL or hands-on data analysis skills, plus experience running experiments.
• Strong customer instincts, especially for credit-builders.
• Must be a U.S. citizen or permanent resident; visa sponsorship is not available.
• Must successfully pass a background check.

Nice To Haves

• Experience with secured, near-prime, or subprime card portfolios.
• Experience with sponsor or issuer banks and card networks.
• Pricing and product evaluation experience, including rewards and fee structures, with economic sizing.
• Experience at a scaling fintech.
• A point of view on AI in the product management workflow and experience driving team adoption.

Responsibilities

• Lead the Credit Card vertical’s product strategy, including customer-facing features and the credit card platform, and partner with leadership on portfolio-level decisions balancing growth, profitability, customer experience, and regulatory compliance.
• Translate strategy into a prioritized roadmap and clear requirements for the engineering team.
• Mentor and support product managers across the department.
• Partner with Finance, Risk, and Analytics to develop the card unit economics model and forecast, providing inputs to improve forecast accuracy.
• Manage vendor and card network relationships, including Visa and CPI.
• Manage issuer bank relationships, including program terms, reviews, and change approvals.
• Turn analysis into clear recommendations and gain buy-in from executives, peers, and external partners.
• Support the graduation of customers from the Credit Builder Account to the credit card.

Benefits

• Generous health, dental, and vision insurance coverage.
• Employer-paid life and disability benefits and cost-containment resources.
• Hybrid work arrangement.
• Flexible vacation.
• Company performance-based bonuses.
• Paid parental leave.
• Company equity in the form of stock options.
• Education reimbursement program.
• Relocation bonus to move to Austin.
• Gym membership options through ClassPass or monthly reimbursement.
• Lunchdrop stipend.
• Paid parking.
• ERG and inclusion opportunities.
• Casual dress code.
• Team-building events and activities.
• Referral program.

What This Job Offers

• Job Type: Full-time
• Career Level: Director
• Education Level: No Education Listed