Product Designer

About the Role

Clutch is expanding its design team. We're looking for a Product Designer to craft intuitive, human-centered experiences that power our lending and loan-application workflows.

This isn't surface-level screen design. You'll work across the full service — the borrower applying, the credit union employee processing the application, and the legacy systems and compliance steps in between. The wins here come from designing end-to-end processes, not just polishing individual screens: simplifying genuinely complex workflows, clarifying high-stakes financial information, and making every step feel effortless and trustworthy.

You'll move fast, own your work, and know when to drive a decision yourself versus when to pull in your PM and engineering partners. And you won't live only in Figma: our designers use AI to prototype, explore, and design — and to ship code for simpler features themselves. AI is core to how this team works and what we build, and we want someone eager to push that further.

About the Team

At Clutch, design isn't just a department — it's the driving force behind our mission. We believe a seamless user experience can empower credit unions to compete and offer superior banking to everyday people. By crafting intuitive experiences, we help credit unions guide their members toward financial freedom.

Our growing design team is fully remote in the U.S. and Brazil. It is diverse, collaborative, ambitious, and empowered to take on our company's biggest challenges.

Within 1 Month, you will:

• Get oriented fast: Build a strong working understanding of Clutch's lending products, the borrower and operator journeys, and the compliance and legacy-system realities they sit inside, quickly enough to start contributing.

• Build relationships and credibility: Establish yourself with the product managers, engineers, and credit union partners you'll work with, and start earning trust as a design leader on the team.

• Get hands-on with AI: Ramp on Clutch's AI design tooling and practices, using AI to prototype and explore from week one.

Within 3 Months, you will:

• Own a significant area end to end: Take a large, loosely-defined design project from discovery through delivery, defining the problem and scoping the work yourself.

• Design & ship real flows: Lead design on a substantial piece of the loan-application experience, reducing friction for borrowers and operators alike.

• Build, not just mock: Use AI to create working prototypes, and ship simpler production changes yourself in partnership with engineering.

• Drive clarity through research: Run interviews, concept tests, and usability sessions to validate your decisions, and bring the insights back to your partners.

Within 6 Months, you will:

• Think in systems: Map full workflows (handoffs, compliance touchpoints, edge cases) and design reusable, scalable patterns rather than one-off screens.

• Own a critical, high-stakes workflow: Lead design end to end for a core part of the lending journey (e.g., intake or decisioning), including the ambiguity and cross-team dependencies that come with it.

• Shape direction, not just execution: Bring research and data into roadmap and prioritization conversations, influencing what the team builds and why.

• Raise the bar on team craft: Drive design critique, share what you're learning about AI-assisted workflows, and help improve process and documentation across the team.

• Collaborate with judgment: Partner closely with PMs and engineers as a true thought partner, knowing when to run independently and when to bring partners in to turn user and business needs into production-ready designs.

What You’ll Bring

• Experience: 6-8 years as a product designer, with a track record in fintech, SaaS, or other complex, workflow-heavy environments.

• AI appetite and fluency: Genuinely excited about AI in design and already putting it to work, using AI to prototype, design, and ship simpler features rather than stopping at static Figma mockups. You'll help set the bar for how the team designs with AI.

• Service and systems design: Designs confidently across an end-to-end process (multi-step flows, multiple user types like a borrower and a back-office operator, handoffs, and edge cases) and brings structure to ambiguous, loosely defined problem spaces.

• Craft: Excellent visual and interaction design skills, setting a high bar for clear, elegant solutions to multi-step, data-heavy experiences.

• User empathy: Skilled at uncovering user needs through research and turning them into design decisions, and at advocating for those needs in roadmap and prioritization conversations.

• Partnership judgment: Works fluidly with PMs and engineers as a true thought partner, with strong instincts for when to move autonomously and when to pull partners in.

• Autonomy and ownership: Can own large, ambiguous projects end to end, define the problem, scope the work, cut scope sensibly, and drive it to ship without close direction.

• Influence and communication: Excellent storytelling, documentation, and presentation skills; explains both the design outcome and the reasoning, and shapes the thinking of partners and stakeholders around them.

• Comfort with complexity: Patience and pragmatism working inside regulated workflows, legacy tooling, and real-world constraints, plus the temperament to find those problems interesting.

• Elevates the team: Strengthens the craft around them through design critique, mentorship, and improvements to process and documentation.

Please note that this role may evolve as our business needs change, so we appreciate your flexibility and adaptability.

What’s In It For You?

• Remote Flexibility: Enjoy the freedom of remote work from anywhere, balancing life and career seamlessly.

• Unforgettable Off-Sites: Twice a year, bond with colleagues in exciting destinations, fostering teamwork and fresh ideas.

• Paid Time Off: Enjoy flexible PTO days yearly for relaxation and rejuvenation.

• Stock Options: Joining us means having a stake in our success, so you'll receive stock options as part of your compensation package.

• Home Office Setup: Create your ideal workspace with a dedicated budget for home office essentials.

• Work Trip Budget: Grow personally and professionally with a budget for work-related trips and co-working.

• Health Coverage: Prioritize your well-being with comprehensive health and dental insurance plans.

About Us

Clutch is a revolutionary vertical SaaS company, proudly backed by Andreessen Horowitz (A16z), aimed at revolutionizing the way Credit Unions engage and change the lives of their members. As a champion of financial well-being, we address the urgent need for affordable lending solutions in an era where the average American grapples with over $155,000 in household debt.  Unlike traditional financial institutions, Clutch develops software to turn Credit Unions into FinTech lenders and leverage their balance sheets to responsibly lend to over 130M Americans. Our mission extends beyond mere financial transactions; we strive to fundamentally enhance the way credit unions interact with their members. By integrating cutting-edge technologies and user-centric designs, we help credit unions provide seamless digital experiences that are on par with leading tech companies. This approach not only preserves but revitalizes the longstanding tradition of community and member-focused service inherent to credit unions.

Clutch is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

Our organization participates in E-Verify. Click here to learn about E-Verify.