About the role
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.