Principal Product Manager - Borrow & Spend

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Position Overview

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 are looking for passionate individuals driven to tackle challenges, find solutions, and improve the financial space for the communities we serve. Our team is dedicated to challenging the status quo of the credit industry by providing accessible tools for individuals to take control of their credit. Executing on our mission requires deep collaboration across teams to ensure our products reach those who can benefit most, especially the over 100 million Americans with no or low credit. We celebrate diversity and are committed to creating an inclusive environment for all employees, seeking to recruit, develop, and retain top talent from a diverse candidate pool.

Who You Are

You are a product leader who excels at both strategy and execution. You immerse yourself in the product, protect the team's focus, and build a clear vision aligned with customer needs and business goals. You don't just ship features; you craft intentional iterations, observe outcomes, and scale what works. You are known for making smart trade-offs, advocating for the customer, and driving momentum across complex, cross-functional initiatives.

You possess strong technical fluency, enabling effective collaboration with engineering on product architecture and long-term scalability. You are equally adept at inspiring a team to perform at their best and making difficult decisions when trade-offs are necessary.

About the Role

As a Principal Product Manager, you will lead strategic initiatives within our Borrow & Spend line, focusing on improving core experiences, shaping new offerings, and stewarding a product vision rooted in customer success. You will operate across a broad surface area, from early-stage concepts to iterative launches, with an emphasis on delivering high-impact results and durable infrastructure. You will work closely with stakeholders across engineering, compliance, risk, analytics, operations, design, and marketing to ensure alignment and execution excellence.

What You Will Do

• Define and evolve the product strategy for the Borrow & Spend portfolio, with a focus on sustainable credit building and customer empowerment.
• Lead product discovery, iteration planning, and launches, balancing incremental experiments with significant strategic initiatives.
• Champion a customer-first mindset through qualitative and quantitative insights, A/B testing, and usability validation.
• Act as a thought partner to engineering, shaping feature architecture to support long-term platform goals.
• Manage multiple concurrent initiatives across different stages, from scoping to execution and rollout.
• Inspire teams to maintain focus, make tough trade-offs, and ship high-quality work efficiently.
• Communicate product strategy, vision, and outcomes to executives and stakeholders with clarity and influence.
• Maintain deep subject matter expertise in our card products, compliance requirements, and market positioning.
• Stay aware of major industry trends, the competitive feature landscape, and develop appropriate prioritization strategies.

What You Bring

• 7–10+ years of product management experience, with recent leadership experience in complex or regulated product domains.
• Proven experience owning a product end-to-end, from vision and roadmap to launch and iteration.
• A track record of influencing across disciplines and levels, with clear and persuasive communication skills.
• Strong analytical skills and fluency with both data (SQL a plus) and qualitative research methods.
• Technical fluency – understanding of how systems fit together and ability to communicate effectively with engineers.
• Experience in credit, lending, or financial infrastructure is strongly preferred.
• A deep sense of ownership and commitment.