Company Overview
EarnIn lets you access your money as you earn it — not days or weeks later. We’re reimagining the way money moves to make financial momentum accessible to everyone. That starts with payday every day and builds with tools like credit monitoring, automated savings accounts, and low-balance protection. All with no interest, no credit checks, and no mandatory fees. So our customers have as many options as possible to save and spend on their terms. EarnIn’s pioneering Earned Wage Access app is backed by world-class partners like A16Z, Matrix Partners, and DST. Since our founding in 2013, 3.8 million customers have given it over 380,000 5-star reviews for helping them access over $15 billion in earnings. That means: – 49% can now cover an unexpected expense of $400 since using EarnIn – 73% can budget more effectively with EarnIn – 66% have been able to pay bills on time with EarnIn’s help We’re proud of that impact. Because no one should feel stuck — held back from their ambitions, their life — simply because they can’t access the money they’ve already earned. That’s why EarnIn is here, to help people move forward with the lives they want today and the goals they have for tomorrow. Join us. EarnIn is a financial technology company, not a bank. The Deposit Account, Secured Account, and EarnIn Card are issued by Evolve Bank & Trust, Member FDIC. The EarnIn Card is issued pursuant to a license from Visa USA Inc.
About the job
About Earnin
As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.
We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.
Position Summary
As a Staff Product Manager for Card Products at EarnIn, you’ll help bring our mission to life – reinventing the financial system and helping our community members get to a better place financially. You will be responsible for scaling our core product as well as building the next set of product innovations and features to drive the growth of our core business. You’ll need to employ everything in your product toolkit to architect the product strategy, constantly discover new insights, and drive forward on execution.
This is a Palo Alto-based position requiring in-office work 2-3 days a week. The Palo Alto base salary range for this full-time position is $218,400 – $267,000 + equity + benefits. Our salary ranges are determined by role, level, and location.
What You’ll Do
- Deliver a first-class, innovative Cardpayments experience for EarnIn customers
- Create tight feedback loops with our community members and create a deep understanding of product Issues and path to resolution
- Communicate the product vision, roadmap,p and results to your product team, stakeholders including the executive team, and community members
- Define OKRs and set stretch goals for your product and team
- Raise the bar for design quality and user experience for our members
- Lead a cross-functional team of engineers, designers, researchers, and data analysts to build and scale products that make the most impact on our community members
- Establish, monitor,r and analyze metrics to track progresstowards product goals
- Leverage user research and data analysis to identify and prioritize new product opportunities for your roadmap
- Design, develop, and execute features and experiments to rapidly iterate your way to the product’s success
- Collaborate with key stakeholders across marketing, risk, customer support, finance,e and legal to ship sustainable and compliant products
What We’re Looking For
- 6+ years of product management at a consumer technology product company
- Strong technical background, preferably with a background in credit cards or card payments
- Strong analytical skills in leveraging data to drive product decisions and improve metrics
- Strong product/design sense developed by shipping delightful and innovative products
- Deep user empathy and experience building products based on user needs
- Confidently creates rapid experimentation to accelerate learning and iteration
- Ability to influence and build alignment acrossteamsm to successfully deliver against goals
- Ability to think outside the box to solve hard problems with creative and radical ideas
How to Apply:
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