FinTech, Financial Services

Director of Product - Credit Card

Austin, TXHybridFull TimeDirectorPosted 1 day ago

Is this role right for you?

Upload your resume and get a skill-by-skill breakdown — see exactly where you match, where you're close, and what to highlight. Not a mystery percentage.

Get a tailored resume highlighting what this role needs.

Required skills

Credit Card
Product Strategy
Roadmap
KPIs
P&L
Pricing
Features
Card Platform
Card Economics
Interchange

Nice to have

Secured Card Portfolios
Near-Prime Card Portfolios
Subprime Card Portfolios
Sponsor Bank
Issuer Bank
Card Network

Role summary

Seeking a Director of Product for the Credit Card team in Austin, TX. This role will lead product strategy, roadmap, and P&L for secured and unsecured credit cards, focusing on pricing, features, and the card platform. The ideal candidate has 10+ years in product/strategy/P&L roles within consumer credit, with at least 5 years in credit cards or consumer lending. Responsibilities include managing card economics, key partners like Visa and issuer banks, and coaching product managers. Requires strong analytical skills, experience with SQL and data analysis, and comfort in a regulated environment. Experience with secured/near-prime/subprime portfolios, fintech, and AI in PM workflow is preferred.

About Self Financial

Self Financial is a venture-backed, high-growth FinTech company with a mission to increase economic inclusion and financial resilience by empowering people to build credit and build savings.

We challenge the status quo of the credit industry by giving people accessible tools to take control of their credit, with a focus on the 100 million+ Americans who have no or low credit. We're looking for people who share our passion, tackle challenges, find solutions, and make the financial space better for the communities we serve.

Title

Director of Product, Credit Card

Team

Credit Card Product team owns product strategy, roadmap, KPIs, and P&L for our secured and unsecured credit cards, including pricing, features, and the card platform.

Location: Austin, TX

Work Arrangement: Austin – Hybrid or Remote

About the Role

We’re looking for a Director of Product who knows credit cards well and can take our existing programs to the next level. You’ll set direction on card economics and pricing, manage key partners like Visa and our issuer bank, and coach the product managers in the credit card space. You’ll bring the strategic judgment and the math, and you’ll deliver clear recommendations. You’ll also support the graduation of customers from the Credit Builder Account (CBA) to the card.

What you’ll do:

Lead the Credit Card vertical’s product strategy (including customer-facing features and the credit card platform), partnering with leadership to shape portfolio-level bets that balance growth, profitability, customer experience, and regulatory compliance

Translate strategy into a prioritized roadmap and clear requirements for your engineering team, while acting as a mentor and multiplier for PMs across the department

Partner with Finance, Risk, and Analytics to drive the card unit economics model and forecast, supplying the inputs that keep our forecasting accurate

Manage vendor and card network relationships (Visa, CPI)

Manage issuer bank relationships, including program terms, reviews, and change approvals

Turn analysis into clear recommendations and get buy-in from executives, peers, and external partners

What You Bring

10+ years in product, strategy, or P&L roles in consumer credit, with 5+ in credit cards or consumer lending

Direct P&L (or equivalent economics) ownership of a card or lending product

Fluency in card economics: interchange, APR and fee mix, credit losses, vendor and acquisition costs, and LTV

Working knowledge of credit risk and underwriting, with the ability to partner with and challenge Risk

A record of setting product direction and getting buy-in from executives, peers, and external partners

Experience leading through influence and coaching senior individual contributors without formal authority

Comfort in a regulated environment: UDAAP, fair lending, CFPB, and bank partner oversight

SQL or hands-on data analysis skills, plus experience running experiments

Strong customer instincts, especially for credit-builders

What Separates You

Experience with secured, near-prime, or subprime card portfolios

Sponsor or issuer bank and card network experience

Pricing and product evaluation experience (rewards, fee structures) with economics sizing

Experience at a scaling fintech

A point of view on AI in the PM workflow, and experience driving team adoption

Benefits & Perks

Generous health, dental, and vision insurance coverage

Employer-paid benefits including life, disability, 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

Equal Opportunity Employer

Self Financial is an Equal Opportunity Employer. We celebrate diversity and are committed to an inclusive environment. We do not discriminate on the basis of any protected group status under applicable law. If you need an accommodation during the application or interview process, please let us know.

Work Authorization

We can only consider candidates who are U.S. citizens or permanent residents (green card holders). We are unable to offer visa sponsorship of any kind, now or in the future. All new hires must successfully pass a background check.

AI Integrity Policy

Self Financial is an AI-forward company. Our interview process is designed to understand your own career experience, technical acumen, and communication skills. Please do not use AI tools to generate or assist with your answers during interviews unless we explicitly invite you to. If we have reason to believe AI was used in a way that misrepresents your own abilities, we may remove you from the interview process and from consideration for future opportunities at Self.

Ready to apply?

You'll be redirected to Self Financial's application page.