Senior Product Manager – Loyalty & Retention

Company 

Credit Genie is a mobile-first financial wellness platform designed to help individuals take control of their financial future. We leverage artificial intelligence to provide personalized insights and are building a financial ecosystem by offering tools and services that provide instant access to cash, and building credit. Our goal is to empower every customer to achieve long-term financial stability.

Founded in 2019 by Ed Harycki, former Swift Capital Founder (acquired by PayPal in 2017). Backed by Khosla Ventures and led by industry pioneers from companies such as; PayPal, Square, and Cash App, we are well positioned to build the future of inclusive finance through cutting-edge technology and customer-centric solutions.

Overview

As a Senior Product Manager, Loyalty & Retention, you will own the strategy and roadmap to deepen customer engagement, increase repeat usage, and extend lifetime value. You'll lead lifecycle and in‑product programs-from onboarding activation to milestones, rewards, re‑engagement, and win‑back-that drive retention, reduce churn, and strengthen trust.

This is a highly visible, cross‑functional role partnering with Design, Engineering, Data, Growth/CRM, Risk/Compliance, and Support. You will blend customer understanding, segmentation and cohort analysis, and rigorous experimentation to deliver durable retention outcomes.

What You’ll Do

• Define and own the loyalty and retention strategy across the customer lifecycle (activation, engagement, expansion, re‑activation, win‑back).

• Build and iterate in‑product loyalty mechanics (e.g., progression ladders, status/tiers, streaks, credit‑building milestones) that reward responsible behaviors and repeat usage.

• Partner with Growth/CRM to run lifecycle messaging across push, email, and in‑app surfaces that is timely, personalized, and measurable.

• Lead a data‑driven experimentation program across journeys and offers; define guardrails and success metrics (e.g., day‑7/30/90 retention, repeat advance rate, ARPU/LTV, churn rate, contact rate, repayment behavior).

• Use segmentation and cohort analysis to identify high‑value audiences and tailor experiences by needs, risk profile, and engagement stage.

• Improve onboarding activation and time‑to‑value through clearer value propositions, simplified flows, and contextual education.

• Launch win‑back and save flows for at‑risk or dormant customers, informed by leading indicators (declines, friction points, repayment struggles, support intents).

• Partner with Risk/Compliance to design responsible retention levers that meet regulatory standards while preserving clarity and customer trust.

• Collaborate with Support/Ops to reduce avoidable contacts, increase self‑serve resolution, and improve CSAT/NPS for retained users.

• Instrument end‑to‑end event schemas and dashboards for transparent measurement and fast iteration.

What We’re Looking For

• 7+ years of product management experience with a focus on loyalty, lifecycle, retention, or growth of a consumer product.

• Proven track record improving retention and repeat usage via in‑product programs, lifecycle messaging, and rigorous experimentation.

• Expertise with funnels, cohorts, survival analysis, segmentation, and A/B testing; comfortable defining metrics and reading noisy results.

• Demonstrated ability to balance user value, risk/compliance, and business outcomes; thoughtful about guardrails and long‑term trust.

• Excellent cross‑functional leadership and communication; able to align executives and partners around a clear retention strategy.

• Deep empathy for customers navigating financial stress and a passion for building fair, accessible, and habit‑forming financial products.

Nice to Have

• Experience in mobile consumer fintech (credit‑building, payments, or cash advance), including push, personalization, and engagement loops.

• Background partnering with Risk/Fraud/Underwriting to design responsible progression mechanics and eligibility gates.

• Hands‑on with CRM/lifecycle tools (e.g., Braze/SendGrid), analytics (e.g., Amplitude/Segment), and feature flag/experimentation platforms.

• Exposure to regulated consumer finance, including customer communications, disclosures, and servicing requirements.

Benefits and Perks

Our goal is to provide a comprehensive offering of benefits and perks that promote better financial, mental, and physical wellness.

We believe working alongside each other in person is the best way to build a great product and foster a strong company culture. Our expectation is that employees are in the office five days a week, allowing for optimal collaboration, inclusivity, and productivity. At the same time, we understand that life happens and recognize the importance of flexibility. We are committed to supporting our employees when circumstances arise that require remote work or adjusted schedules. Our goal is to ensure everyone can effectively balance personal and professional responsibilities while maintaining our collaborative and productive environment.

Here are some highlights of our benefits and perks offerings, feel free to ask your recruiting partner for more details on our comprehensive offering for employees.

• 100% company-paid medical, dental, and vision coverage for you and your dependents on your first day of employment. 

• Monthly fitness reimbursement up to $100 or a full membership to LifeTime Fitness

• 401(k) with a 2.5% match and immediate vesting 

• Meal program for breakfast, lunch, and dinner

• Life and accidental insurance

• Flexible PTO

Your actual level and base salary will be determined on a case-by-case basis and may vary based on the following considerations: job-related knowledge and skills, education, and experience. Base salary is just one part of your total compensation and rewards package at Credit Genie. You may also be eligible to participate in the bonus and equity programs. You will also have access to comprehensive medical, vision, and dental coverage, a 401(k) retirement plan with company match, short & long term disability insurance, life insurance, and flexible PTO along with many other benefits and perks.

Credit Genie is a proud Equal Opportunity Employer where we welcome and celebrate differences. We are committed to providing a workspace that is safe and inclusive, where everyone feels supported, connected, and inspired to do their best work. If you require any accommodations to participate in our recruitment process, please inform us of your needs when we contact you to schedule an interview.