Senior Product Manager II - Instant Cash (Core)

Hi, we're Brigit! 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!

Brigit is doing innovative and exciting work, but don’t just take our word for it, our work is being recognized by others:

• Built In's 2026 Best Midsize Companies to Work For in New York City

• Built In's 2025 Best Places to Work For In New York City

• Built In’s 2024 & 2025 Best Startups to Work For In the U.S.

• Built In’s 2023 - 2025 Best Startups to Work For In New York City

• Fast Company’s Most Innovative Companies of 2022

• Business Insider’s Most Promising Consumer Startups 2022

• Forbes Fintech 50 2022

Role overview

As a Senior Product Manager for Instant Cash, you will own key parts of Brigit’s We’re looking for a Senior Product Manager to own and evolve critical parts of the Instant Cash experience – 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 & Team

• 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

• Annual reimbursement for Learning & Development

• Help hard working Americans build a brighter financial future

• High-growth company

• A dynamic, flexible and collaborative start-up work environment with a highly talented team

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 [email protected].

Disclosures:

• 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.