Block
Our purpose is economic empowerment.
San Francisco, CA, USA
Remote
Hybrid

Product Manager, Borrow

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Company Description
It all started with an idea at Block in 2013. Initially built to take the pain out of peer-to-peer payments, Cash App has gone from a simple product with a single purpose to a dynamic ecosystem, developing unique financial products, including Afterpay/Clearpay, to provide a better way to send, spend, invest, borrow and save to our 47 million monthly active customers. We want to redefine the world's relationship with money to make it more relatable, instantly available, and universally accessible.
Today, Cash App has thousands of employees working globally across office and remote locations, with a culture geared toward innovation, collaboration and impact. We've been a distributed team since day one, and many of our roles can be done remotely from the countries where Cash App operates. No matter the location, we tailor our experience to ensure our employees are creative, productive, and happy.
Check out our locations, benefits, and more at cash.app/careers.
Job Description
The Lending team's mission is to expand access to credit for the 40M Americans with poor or thin credit. Our customers often only have horrendously predatory credit options available to them (ex. average APR in the payday loan space comes in at ~390%). Borrow, our flagship product, is a simple, fair, and accessible micro-credit solution for Cash App customers.
Borrow has grown >74% YoY and is one of our highest searched and asked for products. Borrow customers cite using it for everyday necessities (ex. groceries, gas, bills) when in a pinch. However, we're just getting started. The majority of our existing Borrowers max out their credit limits, and often reach out asking for an increase in their credit line.
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.

  • Qualifications
    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


    Qualifications
    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
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    Apply Now
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    Candidate Location Eligibility:
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    What are Block Perks + Benefits

    Block Benefits Overview

    At Block, we want to provide you with benefits, perks, and offerings that empower you to make choices for your life and what matters to you. We understand the importance of having quality care. So, whatever stage of life you’re in, we offer coverage and plans to support total health — physical, mental, and financial — for you and your family.

    Culture
    Volunteer in local community
    Partners with nonprofits
    Open door policy
    OKR operational model
    Team based strategic planning
    Open office floor plan
    Employee resource groups
    Employee-led culture committees
    Hybrid work model
    Flexible work schedule
    Remote work program
    Diversity
    Dedicated diversity and inclusion staff
    Diversity manifesto
    Diversity employee resource groups
    Hiring practices that promote diversity
    Diversity recruitment program
    Health Insurance + Wellness
    Flexible Spending Account (FSA)
    Disability insurance
    Dental insurance
    Vision insurance
    Health insurance
    Life insurance
    Wellness programs
    Mental health benefits
    Wellness days
    Abortion travel benefits
    Financial & Retirement
    401(K)
    401(K) matching
    Company equity
    Employee stock purchase plan
    Performance bonus
    Pay transparency
    Child Care & Parental Leave
    Childcare benefits
    Generous parental leave
    Family medical leave
    Adoption Assistance
    Restricted work hours
    Return-to-work program post parental leave
    Fertility benefits
    Vacation + Time Off
    Generous PTO
    Paid volunteer time
    Paid holidays
    Paid sick days
    Flexible time off
    Floating holidays
    Bereavement leave benefits
    Office Perks
    Company-sponsored outings
    Free snacks and drinks
    Some meals provided
    Company-sponsored happy hours
    Onsite office parking
    Relocation assistance
    Fitness stipend
    Professional Development
    Job training & conferences
    Lunch and learns
    Promote from within
    Mentorship program
    Online course subscriptions available
    Customized development tracks
    Personal development training
    Virtual coaching services
    Apprenticeship programs

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