Senior Product Manager II - Instant Cash (Core)
Brigit, New York, NY, United States
Senior Product Manager For Instant Cash
Brigit is a holistic financial health company helping everyday Americans build a brighter financial future. With a business model that is aligned with our customers, we create transparent, fair, and simple financial products that put money back in the hands of our members, help them spend wisely, avoid unfair fees and build their credit quickly. If autonomy, ownership, and having meaningful input at the company you work for is important to you, come join our growing team!
As a Senior Product Manager for Instant Cash, you will own key parts of Brigit's most impactful and high-scale product. This is not a feature PM role; you will be responsible for shaping the core growth, access, and credit performance loops that define how users discover, qualify for, use, and return to Instant Cash.
You will operate at the intersection of Product, Risk, Data Science, and Engineering, solving complex problems that balance user outcomes, business performance, and responsible credit access. Your work will directly influence adoption, engagement, retention, and portfolio health, making this one of the highest-leverage roles at the company.
What You'll Own
Core Instant Cash funnel and lifecycle: Drive improvements across eligibility, usage, repayment, and repeat engagement
Access and eligibility strategy: Partner with Risk and Data to expand responsible access through smarter decisioning, limits, and user segmentation
Utilization and retention loops: Build systems and features that increase frequency, habit formation, and long-term member value
Credit performance: Optimize for sustainable growth by balancing utilization with delinquency and loss metrics
Product innovation: Identify and launch new features that meaningfully differentiate Instant Cash and deepen user trust
What You'll Do
Define and execute product strategy for key areas of Instant Cash, grounded in clear business and user outcomes
Own and move north-star metrics such as utilization, take rate, and delinquency
Design and run experiments to understand tradeoffs across growth, unit economics, and risk
Partner deeply with Risk/Underwriting and Data Science to evolve decisioning, credit limits, and eligibility frameworks
Translate complex systems (e.g., credit models, repayment behavior) into intuitive, user-friendly product experiences
Lead cross-functional teams to ship high-quality products quickly in a regulated environment
Align stakeholders across Product, Engineering, Risk, and Leadership on priorities, tradeoffs, and outcomes
Use qualitative insights and quantitative data to continuously improve the user experience
What We're Looking For
6+ years of product management experience, ideally in fintech or lending
2+ years leading a product from 1 -> 10
Proven track record of owning high-impact product areas tied to growth, retention, or risk-sensitive metrics
Strong product judgment with a data-driven, experimentation-first mindset
Experience working closely with data science, underwriting, or risk teams on decisioning or optimization problems
Ability to operate in complex, ambiguous environments and drive clarity, structure, and execution
Excellent communication and stakeholder management skills, with the ability to influence across disciplines
Nice To Have
Experience with credit products, underwriting systems, or consumer lending risk
Background in products where utilization, frequency, and lifecycle engagement are key drivers
Familiarity with experimentation and product development in regulated or risk-constrained environments
The anticipated annual base salary for this position is $180,000 - $210,000. This range does not include any other compensation components or other benefits for which an individual may be eligible (other benefits listed below). The actual base salary offered depends on a variety of factors, which may include as applicable, the qualifications of the individual applicant for the position, years of relevant experience, specific and unique skills, level of education attained, certifications or other professional licenses held, and the location in which the applicant lives and/or from which they will be performing the job.
Our benefits include medical, dental, and vision insurance, flexible PTO policy, 401k plan, paid parental leave, physical and mental wellbeing benefits including Wellhub for access to virtual workouts and discounted gym memberships, and Headspace for covered virtual therapy sessions and unlimited on demand health support, monthly reimbursements to use against wifi and cell phone bills, and annual reimbursement for Learning & Development.
Brigit is committed to providing equal employment opportunities for all applicants and employees without regard to race, religion, color, sex, pregnancy (including breast feeding and related medical conditions), national origin, citizenship status, uniform service member status, age, genetic information, disability, or any other protected status in accordance with all applicable federal, state and local laws. We are proud to be an equal opportunity workplace.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email accommodations@hellobrigit.com.
For information on our data privacy policies, see the Brigit California Personnel Privacy Policy. Brigit uses E-Verify for employment authorization. See the E-Verify and Department of Justice websites for more details.
Brigit is a holistic financial health company helping everyday Americans build a brighter financial future. With a business model that is aligned with our customers, we create transparent, fair, and simple financial products that put money back in the hands of our members, help them spend wisely, avoid unfair fees and build their credit quickly. If autonomy, ownership, and having meaningful input at the company you work for is important to you, come join our growing team!
As a Senior Product Manager for Instant Cash, you will own key parts of Brigit's most impactful and high-scale product. This is not a feature PM role; you will be responsible for shaping the core growth, access, and credit performance loops that define how users discover, qualify for, use, and return to Instant Cash.
You will operate at the intersection of Product, Risk, Data Science, and Engineering, solving complex problems that balance user outcomes, business performance, and responsible credit access. Your work will directly influence adoption, engagement, retention, and portfolio health, making this one of the highest-leverage roles at the company.
What You'll Own
Core Instant Cash funnel and lifecycle: Drive improvements across eligibility, usage, repayment, and repeat engagement
Access and eligibility strategy: Partner with Risk and Data to expand responsible access through smarter decisioning, limits, and user segmentation
Utilization and retention loops: Build systems and features that increase frequency, habit formation, and long-term member value
Credit performance: Optimize for sustainable growth by balancing utilization with delinquency and loss metrics
Product innovation: Identify and launch new features that meaningfully differentiate Instant Cash and deepen user trust
What You'll Do
Define and execute product strategy for key areas of Instant Cash, grounded in clear business and user outcomes
Own and move north-star metrics such as utilization, take rate, and delinquency
Design and run experiments to understand tradeoffs across growth, unit economics, and risk
Partner deeply with Risk/Underwriting and Data Science to evolve decisioning, credit limits, and eligibility frameworks
Translate complex systems (e.g., credit models, repayment behavior) into intuitive, user-friendly product experiences
Lead cross-functional teams to ship high-quality products quickly in a regulated environment
Align stakeholders across Product, Engineering, Risk, and Leadership on priorities, tradeoffs, and outcomes
Use qualitative insights and quantitative data to continuously improve the user experience
What We're Looking For
6+ years of product management experience, ideally in fintech or lending
2+ years leading a product from 1 -> 10
Proven track record of owning high-impact product areas tied to growth, retention, or risk-sensitive metrics
Strong product judgment with a data-driven, experimentation-first mindset
Experience working closely with data science, underwriting, or risk teams on decisioning or optimization problems
Ability to operate in complex, ambiguous environments and drive clarity, structure, and execution
Excellent communication and stakeholder management skills, with the ability to influence across disciplines
Nice To Have
Experience with credit products, underwriting systems, or consumer lending risk
Background in products where utilization, frequency, and lifecycle engagement are key drivers
Familiarity with experimentation and product development in regulated or risk-constrained environments
The anticipated annual base salary for this position is $180,000 - $210,000. This range does not include any other compensation components or other benefits for which an individual may be eligible (other benefits listed below). The actual base salary offered depends on a variety of factors, which may include as applicable, the qualifications of the individual applicant for the position, years of relevant experience, specific and unique skills, level of education attained, certifications or other professional licenses held, and the location in which the applicant lives and/or from which they will be performing the job.
Our benefits include medical, dental, and vision insurance, flexible PTO policy, 401k plan, paid parental leave, physical and mental wellbeing benefits including Wellhub for access to virtual workouts and discounted gym memberships, and Headspace for covered virtual therapy sessions and unlimited on demand health support, monthly reimbursements to use against wifi and cell phone bills, and annual reimbursement for Learning & Development.
Brigit is committed to providing equal employment opportunities for all applicants and employees without regard to race, religion, color, sex, pregnancy (including breast feeding and related medical conditions), national origin, citizenship status, uniform service member status, age, genetic information, disability, or any other protected status in accordance with all applicable federal, state and local laws. We are proud to be an equal opportunity workplace.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email accommodations@hellobrigit.com.
For information on our data privacy policies, see the Brigit California Personnel Privacy Policy. Brigit uses E-Verify for employment authorization. See the E-Verify and Department of Justice websites for more details.