WHAT YOU’LL DO

• Lead the next phase of our AI financial coach, evolving it into a fully personalised, adaptive, conversational system that guides consumers towards their goals. 
• Partner with AI/LLM engineers to shape and refine the conversational and predictive behaviours of the coach — from how it reasons about money to how it guides users through budgeting, avoiding fees, and planning ahead.
• Define and continuously improve evaluation approaches — both quantitative and qualitative — to monitor accuracy, tone, clarity, safety, and how well the coach completes real financial-coaching tasks.
• Define the coaching logic, personalisation rules, and “reasoning framework” of the coach — when to nudge, when to step in, when to stay quiet. 
• Own the AI × human interaction design: tone, empathy, trust, explainability, safety, and compliance ensuring it hits the desired brand tone of voice. 
• Measure outcomes not only through engagement but visible improvements in financial health (savings, fewer overdrafts, more stability) from a consumer’s open banking data.
• Design and iterate on engagement systems that make progress towards positive financial habits rewarding (streaks, milestones, progress bars, missions, challenges). 
• Own motivational loops built on behavioural science — turning short-term actions into long-term habits without manipulation or compliance risk. 
• Partner with UX researchers and behavioural scientists to define user psychology frameworks that demonstrate real behavior change.
• Collaborate with data teams to personalise challenges and goals based on each user’s behaviour, needs, and risk profile. 
• Define and track key behavioural engagement metrics such as DAU/MAU, streak completion, task participation, and retention as well as the key financial metrics - unit product economics and overall financial viability of the GoConsumer service.
• Work with Product Marketing to position these gamified experiences as a core part of our narrative and differentiation in a crowded market.
• Leverage technical understanding (CS, AI, ML, modern architecture) to work seamlessly with engineering, make smart trade-offs, and maintain scalability and security.
• Present product strategy, learnings, and performance to executive leadership.
• Partner tightly with Compliance, Risk, Data, and Operations to ensure everything meets regulatory and safety standards.
• Drive us toward product-market fit by identifying the highest-value user problems, validating what truly moves financial outcomes, and rapidly iterating the coach’s behaviours, features, and engagement loops based on real user data, experiments, and feedback.

WHO YOU ARE

• 7+ years of Product Management experience in consumer fintech, high-quality mobile UX products, or engagement-driven apps (e.g., habit-forming or game-inspired systems), ideally with exposure to AI-powered experiences vs pure if-then-else.
• Experience working directly with machine learning teams, large language models, or personalisation systems. 
• Proven experience designing or operating gamification, motivation mechanics, loyalty loops, or habit-building features.
• Experience growing a consumer fintech productA good understanding of financial concepts such as lending, financial management, and cards.
• Strong technical fluency — you can discuss architecture, data flows, and model behaviour with engineers and data scientists and can quickly vibe code high quality fully functioning prototypes using the latest tools e.g. Claude code / CodexYou thrive in ambiguity, move quickly, and enjoy building 0→1 products. 
• You’re deeply user-centric, combining empathy, behavioural insight, and quantitative reasoning. 
• You can translate complex user needs and technical capabilities into a clear roadmap and crisp execution. 
• Excellent communicator with the ability to influence across leadership, engineering, and design.
• Preferably a technical degree like Computer Science, Software Engineering or Machine Learning.
• You are collaborative, open, and able to work seamlessly with cross-functional teams while keeping momentum and alignment.
• Comfortable with the financial metrics of product management - predicting long term financial viability through monitoring unit economics.
• Comfortable navigating evolving requirements and shifting constraints, bringing clarity, structure, and steady decision-making as the product develops at speed.
• Skilled at managing senior stakeholders with confidence and clarity, balancing perspectives, negotiating trade-offs, and ensuring decisions support both the product vision and organisational goals.

$190,000 - $220,000 a year

Applications for this role are accepted on an ongoing basis.

Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. Recruiters can share more information with applicants about the specific salary range for preferred locations during the hiring process. Please note that the compensation details listed in US role postings reflect the base salary only, and do not include bonus, equity, and other perks and benefits.

At Trustly, you will have the chance to solve meaningful challenges alongside some of the brightest minds in FinTech. Together, we are shaping the future of payments in an environment that celebrates curiosity, collaboration, and innovation. You will be challenged and empowered to grow, making a real impact every step of the way.

Our team is as diverse as the global footprint we serve, with colleagues across Silicon Valley, the U.S., Canada, Brazil, Europe, and beyond. We embrace a remote-first culture that empowers you to balance your career ambitions with personal fulfillment. At Trustly, we foster a workplace where everyone feels they belong—a place where teamwork thrives, ideas flourish, and we never forget to have fun along the way.

The total compensation packages include competitive salaries, bonus plans, and stock options. We offer innovative perks and benefits packages that include:

- Flexible paid time off & generous PTO accrual plans

- Comprehensive medical, dental, vision, and other insurances

- FSA & HSA plans for medical and dependent care

- Home office set-up allowance

- Internet stipend

- Retirement plan match for 401k and RRSP

- Gender-neutral paid parental leave, and more!

At Trustly, we embrace and celebrate diversity of all forms and the value it brings to our employees and customers. We are proud and committed to being an Equal Opportunity Employer and believe an open and inclusive environment enables people to do their best work.  All decisions regarding hiring, advancement, and any other aspects of employment are made solely on the basis of qualifications, merit, and business need.