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Product Manager, Borrow



26d ago

  • Job
    Senior Level
  • Product
  • Quick Apply

AI generated summary

  • You need 5+ years in product management, a "Driver" mindset, comfort with ambiguity, a high quality bar, fluency with data, customer obsession, and preferred experience in high growth consumer businesses.
  • You will own the customer experience and business metrics for repeat customers, collaborate with cross-functional teams, integrate ML solutions, ensure compliance, and create engaging Borrower experiences within the Cash App ecosystem.


  • Like us, you’ll be deeply committed to delivering positive outcomes for users and passionate about shaping the future of Cash App. Additionally, we’re looking for
  • 5+ years of product management or related experience (min. 2 years in product management) delivering successful and innovative products with your fingerprints all over them.
  • A “Driver” mindset – You are biased toward action and get stuff done. No task is too big or too small for you.
  • Comfort with ambiguity coupled with the ability to independently solve ambiguous problems.
  • A high quality bar – for your own contributions and those of the people around you.
  • Fluency with data – you’ve worked on ML (or data heavy) products in the past, and are comfortable running A/B tests. You know how to leverage data to make product decisions without getting stuck in analysis paralysis.
  • Customer obsession – The ability to take on complex product challenges and find elegant, simplifying solutions to avoid making them our users and partner’s problems.
  • Highly preferred
  • Experience working in a high growth consumer business, whether FinTech or other
  • Experience leading and working with geographically dispersed teams


  • We’re looking for a gritty, driven Product Manager to own the experience and business metrics for repeat customers on our platform. We have millions of Monthly Actives today (and growing!). This includes:
  • Work with a full stack team that includes Machine Learning and Backend engineers, Designers, Data Scientists, Compliance, Product Counsel, and Customer Support.
  • Build and integrate Machine Learning solutions to help customers grow their credit limit while managing losses.
  • Partner with Compliance and Legal counterparts to keep us compliant with rules and regulations.
  • Build simple, clear, and delightful customer experiences for Borrowers to grow engagement and reduce support inquiries.
  • Work with different product teams to weave Borrow into the broader Cash App ecosystem.


What is the mission of the Lending team at our company?

The Lending team's mission is to expand access to credit for the 40M Americans with poor or thin credit by offering a simple, fair, and accessible micro-credit solution through our flagship product, Borrow.

What is Borrow, and why is it important?

Borrow is a micro-credit solution for Cash App customers that provides an alternative to predatory credit options with high APR rates. It is important because it offers customers with poor or thin credit access to credit for everyday necessities when in a pinch.

How has Borrow performed in terms of growth?

Borrow has experienced over 74% year-over-year growth and is one of our highest searched and asked for products.

What are some common reasons why Borrow customers use the product?

Borrow customers typically use the product for everyday necessities such as groceries, gas, and bills when they are in a financial pinch.

What is the challenge that Borrow currently faces?

The majority of our existing Borrowers max out their credit limits, and often request an increase in their credit line, indicating a need for further growth and scalability of the product.


Mission & Purpose

Afterpay is a financial technology company that offers a "buy now, pay later" service, allowing consumers to make purchases and pay for them in four interest-free instalments. Their goal is to provide a flexible and convenient payment solution that helps shoppers manage their finances without incurring debt. By partnering with various retailers, Afterpay aims to enhance the shopping experience and support responsible spending habits. Their purpose is to empower consumers with financial freedom while driving sales for merchants.

Culture & Values

  • We’re brave with our decisions.

  • We keep it real with our actions.

  • We do the right thing for all stakeholders.

  • We shape the future with passion.