Senior Product Manager, Credit Card Servicing

About Highnote 

Founded in 2020 by a team of leaders from Braintree, PayPal, and Lending Club, Highnote is an embedded finance company that sets the standard in modern card platform management. As an all-in-one card issuer processor and program management platform, we provide digital-first organizations with the flexibility to seamlessly issue and process payment cards, embed virtual and physical card payments, and integrate ledger and wallet functionalities—empowering businesses to drive growth and profitability.

We’ve raised $145M+ and have grown our team to 125+ employees. Headquartered in San Francisco, we’ve managed to build one of the most advanced payments teams in the industry, with team members in 25+ US states. 

Operating through our core values of customer obsession, executional excellence, intentional inclusion, we’re helping businesses grow for the future by creating the payment products demanded by tomorrow, with the ability to solve for use cases that don’t exist yet.

We are fast-moving, hands-on, and strongly believe everyone deserves a seat at the table. We believe we’re unlocking incredible opportunities that can change the future of payments, as long as we have the right people to make it happen. 

Job Description:

Highnote is seeking a Senior Product Manager – Credit Servicing to lead the development of our credit servicing platform. Your work will enable Highnote’s clients—innovative fintechs, platforms, and brands—to build and scale exceptional credit experiences with robust servicing infrastructure.

You’ll own the full credit cardholder lifecycle — from onboarding, billing, and payments to collections, charge-offs, disputes, and operational tooling. You’ll collaborate across engineering, operations, finance, risk, compliance, and data science to build scalable, highly accurate servicing capabilities that meet the complex needs of our clients. This role will shape how Highnote’s platform delivers financial accuracy, operational efficiency, regulatory compliance, and exceptional client experiences.

You’ll also help drive our platform’s AI and automation roadmap — partnering with data science and engineering to apply Generative AI and machine learning to optimize servicing workflows, reduce manual processes, proactively identify exceptions, and improve portfolio performance.

We’re looking for someone who combines strong product leadership with a solid foundation in accounting and finance. Experience in Investment Banking, Public Account and credit card or lending servicing operations is highly desirable.

What You’ll Be Doing:

• Define and drive the product roadmap for Highnote’s credit servicing platform, ensuring flexibility to meet a variety of subscriber needs.
• Formulate servicing product strategy, translate it into actionable plans, and lead execution from discovery through launch and ongoing iteration.
• Design and deliver servicing capabilities across account management, billing cycles, payment processing, collections workflows, adjustments, charge-offs, and dispute handling.
• Collaborate with engineering and design to develop intuitive APIs, servicing operations tooling, and customer-facing interfaces where appropriate.
• Partner with Data Science to apply GenAI and ML to servicing processes, driving automation, exception handling, and performance optimization.
• Design financial models, calculations, and reporting to support reconciliation, financial reporting, and portfolio monitoring.
• Partner with risk, operations, compliance, and finance to ensure servicing solutions meet internal standards and external regulatory requirements.
• Conduct market research to understand evolving credit servicing trends, compliance shifts, and subscriber needs.
• Create clear Product Requirement Documents (PRDs) that outline user stories, technical considerations, and key success metrics.
• Define and track critical KPIs to assess product success and guide roadmap evolution.

Minimum requirements

• 8+ years of product management experience in fintech, lending, credit, financial operations, or financial infrastructure — or equivalent experience in accounting, investment banking, or financial services.
• Strong foundation in accounting, finance, or financial operations; experience with financial calculations, reconciliations, and reporting.
• Proven ability to lead complex cross-functional product development across engineering, operations, risk, compliance, and finance.
• Strong analytical and data-driven decision-making skills.
• Excellent communication, collaboration, and stakeholder management skills.
• Ownership mindset — driven to build highly reliable, scalable, and auditable financial systems.

What Will Set You Apart

• Background in credit card servicing, lending servicing, or financial servicing operations. 
• Domain Expertise: Deep understanding of credit servicing processes, including billing, payment allocation, collections, adjustments, charge-offs, and dispute management.
• Familiarity with ledgering systems, repayment waterfall logic, and servicing operational risk management.
• Platform Thinking: Experience developing flexible, API-driven infrastructure supporting multiple business models and experiences.
• Strategic & Tactical Balance: Ability to set a high-level servicing strategy while diving deep into operational workflows, technical edge cases, and compliance requirements.
• Technical fluency with APIs, payment processing systems, and data analytics tools (e.g., SQL, Looker, Tableau).

Bonus Qualifications:

• Experience building loan servicing platforms, credit management systems, or B2B financial infrastructure products.
• Strong knowledge of collections processes, charge-off and recoveries handling, or payment dispute resolution.
• Familiarity with ledgering systems, repayment waterfall logic, and servicing operational risk management.
• Technical fluency with APIs, payment processing systems, and data analytics tools (e.g., SQL, Looker, Tableau).
• Experience operating in highly regulated financial environments and collaborating closely with compliance and legal teams.

Why Highnote?

• We’re a startup that allows for our employees to truly build from the ground up and impact every layer of our organization. 
• We’re a team of payments obsessed individuals. While some of us come from the fintech world, some of us don’t. We value the varied backgrounds and the diverse perspectives of our employees. 
• We’re small on hierarchy and big on growth. We’re a flat organization that allows everyone to have direct exposure to our leadership team. We are looking for builders who thrive in ambiguity. 
• We’re backed by Oak HC/FT, Costanoa Ventures, Adams Street Partners, Westcap, and Pinegrove Venture Partners. Angel Investors include Bill Ready (CEO at Pinterest) and Renaud Laplanche (Co-Founder & CEO of Upgrade).

Highnote benefits

• Flexible Paid Time Off 
• 100% healthcare coverage + 75% coverage for dependents
• 401k program
• Paid Parental Leave: Up to 16 weeks paid leave for the birth parent, and up to 6 weeks paid leave for the non-birth parent
• Equity in Highnote
• Stipend to build out your home office; internet and phone reimbursement
• At Highnote we have built a total rewards philosophy that includes fair, equitable, geo-based compensation that is performance and potential based. Our compensation packages are competitive based on robust market research and are a combination of a cash salary, equity, and benefits. In compliance with the Equal Pay for Equal Work Act, the annual salary range for applicants is $175,000-$225,000. 

Please note that positions located in San Francisco are hybrid and include core working days of Tuesday, Wednesday, Thursday in office.  We provide flexible work options based on distance from our downtown SF office. Highnote believes in the power of face-to-face, personal connection. As a result, we prioritize in-person candidates. 

Highnote is a diverse and inclusive company committed to growing a diverse and inclusive team. We invite people from all backgrounds and identities to apply. We do not discriminate based on gender identity or expression, sexual orientation, race, religion, age, national origin, citizenship, disability, pregnancy status, veteran status, or any other characteristics protected by US federal state or local laws, or the laws of the country or jurisdiction where you work. Additionally, we encourage everyone to share which pronouns you wish for us to use when addressing you (i.e.: she/her, he/him, they/them, etc).