The Petal mission

Petal’s mission is to bring financial opportunity and innovation to everyone. 

We're pioneering a new approach to credit, by analyzing an applicant’s banking history, in addition to credit history, to determine their creditworthiness. We call this technology a Cash Score — and it takes into account income, spending, and savings. It’s currently helping thousands of people qualify for credit at better rates, even if they’ve never had it before. 

We bring the same ingenuity to our credit card products. Our simple and intuitive app gives members access to credit score tracking, budgeting tools, subscription management, and automated payment options—everything they need to make financial progress. 

Now more than ever, Americans need help improving their credit safely, responsibly, and affordably. If this sounds like something you’d like to be a part of, apply now, and let’s change this trillion-dollar industry together.

At Petal, we're looking for people with kindness, positivity, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and potential will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns. We welcome diverse perspectives from people who think rigorously and aren't afraid to challenge assumptions.

The Product Manager role

Our ability to innovate and rapidly iterate on our product is a core competitive advantage in the credit industry and the utmost focus for Petal. We’re looking for extraordinary Product Managers who are excited by the opportunity to reinvent consumer financial services. As a member of our early team, you’ll have the ability to grow quickly with the organization and work on product strategy, user research, major feature design, development and implementation, end-to-end product improvement.

The Product Manager for Decisioning focuses on Petal’s core competitive advantage - how we make credit decisions. Our machine learning-driven decisioning enables us to grant credit to those that other banks turn away. This role touches many technical subjects including machine learning, financial risk measurements, 3rd party integrations, and scale strategies. It also focuses on operations and drives to speed everything in the decision process, from applicant approval time, to the time it takes Petal to react to macro-economic changes. It’s a high impact role with broad technical coverage and immense critical thinking skills. 

Key responsibilities:

• Own and develop the vision and roadmap for their team that drives company OKRs. Lead challenging priority and trade-off conversations with the team. Work closely with Engineering, Design, and other stakeholders like Marketing, Risk, Operations, and Legal throughout the process from vision and roadmap to detailed requirements.
• Develop strong partnership and become a well-versed thought partner with Marketing, Risk & Data Science
• Conduct user, analytical, or market research to identify pain points and opportunities to move key metrics. Take these issues and lead the team from zero to launch of features or improvements.
• Work closely with Engineering to ensure the requirements are clear, schedule is tracked, and blockers are unblocked.

Characteristics of the ideal candidate:

• 4+ years of experience in product management.
• Excellent communication skills: Ability to communicate project value to everyone from legal to customer support to Engineering. Ability to listen to stakeholders and draw out key points.
• Excited to dive into data and user research to identify product opportunities.
• Comfortable with technical conversations around data or 3rd party integrations. Experience working directly with engineers on requirements.
• Experience working with technical concepts and great partner to Engineering, Data Science, and other technical stakeholders. Past technical experience, technical education, or experience working directly with Engineering / Data Science.
• Strong interest in the Petal mission and culture!

Nice-to-haves:

• Experience with SQL or Looker (or similar programs) for data analysis.

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