Snap Finance

Product Manager

• Own the business vision and strategy for the Credit Building portfolio, aligned with Seen and Snap priorities.
• Develop and present strategic proposals and business cases (e.g., new products, features, pricing, product constructs, partnerships, and distribution channels) to the Product Leader for GPCC & Credit Building and senior leadership.
• Define clear goals and KPIs for the Credit Building business and develop a financial plan (e.g., volume, revenue, losses, unit economics) aligned to those KPIs.
• Monitor and track KPIs, goals, and financial performance; identify gaps versus plan and propose solutions and course corrections.
• Translate strategy, insights, and financial goals into structured business cases and product requirements that inform roadmaps owned by Product and Engineering.
• Collaborate with Marketing, Risk, Compliance, and Operations to align on scope and timing for initiatives and ensure that launches are feasible, well-supported, and set up for success.
• Track progress of key initiatives, raise risks, and recommend tradeoffs from a business perspective.
• Deeply understand the needs of consumers who are new to credit, rebuilding credit, or thin-file/near-prime.
• Monitor competitive landscape, market trends, and regulatory changes in credit building products.
• Partner with the Marketing team to identify, size, and maximize cross-sell opportunities into Credit Building from other Snap/Seen products (e.g., leveraging existing customers, applicants, or declined populations).
• Propose journeys, offers, and targeting strategies that use customer and application data from other Snap product lines; work with partner teams to implement and optimize these experiences.
• Partner with Analytics and Finance to build robust measurement frameworks for business performance (e.g., acquisition, activation, revenue, unit economics).
• Design and propose experiments and A/B tests with Analytics, Marketing, and Product teams; interpret results and recommend actions to improve customer outcomes, cross-sell performance, and business metrics.
• Proactively identify issues, diagnose drivers of performance (e.g., funnel drops, loss trends, channel performance), and develop data-driven action plans.
• Work closely with Risk, Compliance, and Legal to ensure proposals and initiatives support sound risk management and regulatory expectations.
• Incorporate regulatory requirements and risk policies into business proposals and requirements, and partner with Product and Operations to embed them in product design and processes.
• Collaborate with Operations to identify pain points and recommend improvements to onboarding, servicing, and issue resolution for credit building customers.
• Act as the single threaded business leader for Credit Building within the GM org, coordinating stakeholders across Product, Risk, Marketing, Operations, and other partner teams.
• Communicate business priorities, tradeoffs, financial impact, and performance clearly to executive stakeholders.
• Help shape how Credit Building fits into the overall Snap/Seen card strategy (alongside GPCC and other credit products).

Senior Manager, Product Leader - Credit Builder

Manager

• Conduct and/or oversee research projects using a wide variety of research methods, influencing product development, user experience improvements, go-to-market strategies, and future innovation and growth
• While hands-on experience is required, you may also work with key vendors/agencies to conduct some research projects
• Navigate ambiguity to understand the market landscape and consumer and merchant needs
• Develop and maintain strong working relationships with all relevant stakeholders, including team members, internal customers (Product Management, User Experience, Marketing, Sales, Customer Care), and vendors/agencies
• Create detailed reports and presentations to communicate research findings to stakeholders
• Stay abreast of new approaches and methodologies in the research industry

Senior Manager, Research & Insights

Machine Learning Engineer

• Develop and innovate on state-of-the-art, scalable ML models leveraging artificial intelligence, machine learning, optimization, and rules-based approaches
• Design and ship end-to-end ML systems, including data pipelines, feature engineering, training and evaluation workflows, online inference, and feedback loops
• Push the boundaries of credit risk modeling, customer behavior analysis, and creditworthiness assessment
• Partner cross-functionally to onboard new data sources, improve data quality, and create durable, high-signal features
• Propose, gather, and integrate diverse datasets to support advanced modeling initiatives
• Assemble and manage large, complex datasets that meet both functional and non-functional business requirements
• Mentor engineers and raise the technical bar through architectural reviews, documentation, and reusable tooling
• Influence technical direction through high-level decisions around system architecture, modeling strategy, and tooling

Senior Manager, Product Leader - Credit Builder

Senior Manager, Research & Insights

Software Engineer, Machine Learning