Varo is an entirely new kind of bank. All digital, mission-driven, FDIC insured, and designed for the way our customers live their lives.

A bank for all of us.

About the Product Team

Varo’s Product Team is a cornerstone of the culture and the app experiences that our customers interact with on a daily basis. We’re responsible for making sure the products we ship provide innovative solutions that solve real problems for people.

We appreciate the value of getting into the mental models of our customers and out of our offices. We bring together cross-functional teams to act on a combination of qualitative and quantitative data to meet our customer needs and commercial plans. We thrive on feedback and push to always up our game—but try to never take ourselves too seriously.

About the Sr. Product Manager, Credit-Building Products role

We are seeking a customer-obsessed Product Manager who is excited about diving into helping customers build their credit with a mixture of actual financial products (secured card and lending) and credit monitoring products. You will own our brand new Varo Believe product, a secured card that tracks and then builds credit for our customers, and also set a course for a broader suite of credit-building products at Varo. This role will be unique in that you will have both in-app experiences like credit monitoring and financial products like a secured card and loans to combine into an experience that truly helps customers build their credit and healthy financial habits. Your objective will be to drive improved credit scores and borrowing power for customers, and engagement and spend with Varo.

What you'll do

• Understand our customers, and define the roadmap for card and lending products that help customers build both their credit score and their available credit with Varo
• Understand Varo’s overall product suite and define the way that secured card and credit tracking interacts with other products in a complementary way
• Define the core capabilities needed to manage a high-quality secured card experience, including a partnership with our engineering team in deciding where to build technology and where to partner with technology providers.
• Created and implement the roadmap for a secured card and credit tracking at Varo
• Identify and execute on opportunities to build new credit-building lending products for customers
• Partner with our product marketing and brand teams to define the customer val-prop and go-to-market strategy for credit improvement products
• Test the experience with customers to validate key hypotheses, and partner closely with design and user research to ensure that we’re launching simple and delightful experiences
• Create detailed requirements and partner closely with engineering
• Incorporate risk management into your product strategy from the start, partnering with Varo’s risk and credit teams to ensure that we are launching sustainable, high-quality, and compliant products.
• Roll up your sleeves to remove barriers and obstacles hindering the team's ability to ship
• Iterate on the already in-market products, and launch MVP versions of new products to test and validate hypotheses
• Own executive and stakeholder communication and collaboration and evangelize the role of secured card and credit building products within the company.

Required skills, experiences, and traits

• You believe in being part of an inclusive bank that is made to serve the needs of all customers, regardless of their backgrounds
• You are an experienced Product Manager who is passionate about helping customers effectively manage their finances and spending
• You care deeply about understanding your customer and their needs and then move decisively to solve those needs.
• You are analytical and are comfortable with consuming and analyzing data to improve your product’s performance
• You are a strong partner with engineering teams and like to collaborate on the technical details of products you manage
• Preferred: You have worked on either card, lending or credit tracking products in the past, and are comfortable with the complexities of building high-quality fintech experiences
• Strong execution capability and ability to drive work to completion
• Ability to partner effectively with a broad range of teams, including engineering, design, user research, credit, risk management, and others. 
• You have 5-7+ years of experience as a product manager, with several years in a fintech role




The three skills that matter most

Nobody can be great at everything, but we're looking for candidates who are extraordinary at:

• Passion for building card products that help people make the best financial and spending decisions for themselves
• Enjoy analyzing quantitative and qualitative data to make good decisions
• Achieving goals as part of a team

About Varo

Varo launched in 2017 with the vision to bring the best of fintech into the regulated banking system. We’re a new kind of bank – all digital, mission-driven, FDIC-insured, and designed around the modern American consumer. 

As the first consumer fintech to be granted a national bank charter in 2020, we make financial inclusion and opportunity for all a reality by empowering everyone with the products, insights, and support they need to get ahead. Through our core product offerings and suite of customer-first features, we aim to address a broad range of consumer needs while profitably serving underserved communities that have been historically excluded from the traditional financial system.

We are growing quickly in our hub locations of San Francisco, Salt Lake City, and Charlotte along with colleagues located across the country. We have been recognized among Fast Company’s Most Innovative Companies, Forbes’ Fintech 50, and earned the No. 7 spot on Inc. 5000’s list of fastest-growing companies across the country.

Varo. A bank for all of us.

Our Core Values

- Customers First

- Take Ownership

- Respect

- Stay Curious

- Make it Better

Varo is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds, perspectives, and skills. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

Learn more about Varo by following us:

Facebook - https://www.facebook.com/varomoney

Instagram - www.instagram.com/varobank

LinkedIn - https://www.linkedin.com/company/varobank

Twitter - https://twitter.com/varobank

Engineering Blog - https://medium.com/engineering-varo

SoundCloud - https://soundcloud.com/varobank

Beware of fraudulent job postings!

Varo will never ask for payment to process documents, refer you to a third party to process applications or visas, or ask you to pay costs. Never send money to anyone suggesting they can provide work with Varo. If you suspect you have received a phony offer, please e-mail [email protected] with the pertinent information and contact information.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.