Credit Product Specialist

Role: Credit Product Specialist (Credit Cards – Product & Onboarding)

Location: Bay Area, CA – Hybrid (Looking for local profiles)

Hire Type: Contract

About the Role

We are seeking a Credit Product Specialist with strong experience in credit cards or consumer lending products to support the design, development, and implementation of end-to-end product features. This role will play a key part in onboarding, account lifecycle management, and customer experience, while ensuring alignment across business, technology, operations, and compliance teams.

Key Responsibilities

• Support the development and enhancement of credit card product features and lifecycle design
• Manage and optimize customer onboarding and account management frameworks
• Create, review, and maintain Product Requirement Documents (PRDs)
• Act as a Subject Matter Expert (SME) in credit product launch, including legal and compliance considerations
• Partner with execution teams on prioritization, feature controls, and guardrails
• Define backend data requirements (data capture, storage, and usage)
• Establish customer communication flows (notifications, alerts, servicing journeys)
• Coordinate integration with customer support platforms
• Collaborate with cross-functional teams (Technology, Operations, Compliance) to ensure smooth product delivery
• Support product build activities aligned with overall product strategy and roadmap

Required Skills & Experience

• Proven experience in credit cards or consumer lending products (must-have)
• Strong understanding of onboarding, servicing, and account lifecycle management
• Hands-on experience creating and managing PRDs
• Ability to translate business requirements into detailed product specifications
• Experience working with cross-functional teams (Tech, Ops, Compliance, Risk)
• Strong analytical mindset with exposure to data and reporting tools
• Demonstrated ability to deliver against product roadmaps and business goals