Company Overview:

At Snap Finance, we believe everyone deserves access to the things they need, regardless of credit history. Since 2012, we've used data, machine learning, and a more human approach to create flexible financing solutions that help people move forward. We're proud of our inclusive, supportive culture, built on empowering our customers, partners, and team members alike. When our people thrive, so does our innovation.

If you're looking to make an impact and grow with a team that values you, come join us!

Job Description

The Senior Product Manager, Core Account Servicing will be responsible for the backend product logic and operational mechanics that power Seen’s credit card programs. This role requires expertise in credit card servicing operations and strong product management skills to ensure the accuracy, reliability, and scalability of the card platform.

The Senior Product Manager will own the product logic for critical card servicing functions including payments processing, billing and statements, interest and fee calculations, account status management, and transaction integrity. You will collaborate extensively with engineering, risk, operations, and compliance teams to ensure the card program operates correctly and efficiently.

This role will partner closely with teams responsible for customer experience, processor configuration, and vendor integrations to support the continued growth of Seen’s credit products.

How you'll make an impact:

• Lead the development and management of core credit card servicing capabilities including payments processing, billing and statements, fee and interest calculations, and account lifecycle logic. You will be partially responsible for new financial product launches brought to market.

• Define and maintain system behavior tied to account statuses including delinquency, bankruptcy, deceased accounts, charge-offs, SCRA, MLA, account closures, and inactivity rules.

• Ensure the integrity and accuracy of all financial transactions including purchases, payments, reversals, fees, interest assessments, and charge-offs.

• Partner with risk, compliance, and operations teams to ensure servicing processes comply with regulatory requirements and internal policies.

• Work closely with key vendor partners supporting core servicing functionality including payments processors, bank account verification providers, and communications vendors.

• Support testing and validation of new backend capabilities, including defining test cases and validating servicing outcomes before release.

• Proactively identify and resolve product issues impacting servicing operations including control monitoring, customer complaints, operational escalations, and audit findings.

• Analyze servicing data and operational metrics to identify issues and opportunities for improvement within the credit card platform.

• Regularly update stakeholders on servicing platform initiatives, operational risks, and product improvements.

What you'll need to succeed:

• Minimum of 7–10 years of product management experience, with at least 3–5 years focused on credit card, lending, or payments products.

• Deep understanding of credit card servicing operations including payments processing, billing cycles, fees, interest calculations, and account lifecycle management.

• Experience working with card processors, issuing platforms, or payments infrastructure.

• Strong analytical and systems-thinking skills with the ability to identify operational issues and drive product solutions.

• Excellent communication and collaboration skills, with experience working cross-functionally with engineering, operations, compliance, and risk teams.

• Bachelor’s degree.

• Experience working with agile development teams and modern product development methodologies is preferred.

Why Join Us:

• Generous paid time off

• Competitive medical, dental & vision coverage

• 401K with company match for US

• Company-paid life insurance

• Company-paid short-term and long-term disability

• Access to mental health and wellness resources

• Company-paid volunteer time to do good in your community

• Legal coverage and other supplemental options

• A value-based culture where growth opportunities are endless

More:

Snap values diversity and all qualified applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Learn more by visiting our website at www.snapfinance.com.

California Residents, please review our California Consumer Privacy Act Notice at https://snapfinance.com/ccpa-notice