Senior Product Manager – Loyalty & Retention

Credit Genie • New York, NY

10d • Onsite

About The Position

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 PayPal in 2017 ). Backed by Khosla Ventures and led by industry pioneers from companies such as; PayPal, 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.

Requirements

• 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 Haves

• 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/SendGrid), analytics (e.g., Amplitude/Segment), and feature flag/experimentation platforms.
• Exposure to regulated consumer finance, including customer communications, disclosures, and servicing requirements.

Responsibilities

• 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.

Benefits

• 100% company-paid medical, dental, and vision coverage for you and your dependents on your first day of employment.
• Monthly fitness reimbursement up to $100 or a full membership to LifeTime Fitness
• 401(k) with a 2.5% match and immediate vesting
• Meal program for breakfast, lunch, and dinner
• Life and accidental insurance
• Flexible PTO

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed
• Number of Employees: 11-50 employees