Full-Time Product Manager

As Product Manager, Growth & Subscriptions, you will play a pivotal role in driving Xapo Bank’s retail PnL through enhanced member loyalty and organic growth. This high-impact role requires an entrepreneurial, data-driven approach, leveraging financial incentives and rewards to showcase the tangible value of our subscription. You will own the strategy, development and execution of our value-added ecosystem, ensuring Xapo Bank becomes indispensable to our members' financial lives.

• Product Strategy and Vision. Define and own the product vision for member engagement and subscriptions, creating a strategic roadmap for our earnings, referrals and loyalty programmes.
• Journey Optimisation. Develop and optimise member journeys with a primary focus on maximising engagement with earnings features, moving beyond activation to metrics like referral-driven growth, member LTV and churn reduction.
• End-to-End Product Execution. Drive execution with a dedicated cross-functional team of engineers, designers and analysts to deliver complex high-impact product initiatives from ideation through launch and iteration.
• Experimentation & Loyalty Research. Conduct deep market and user research to identify key motivators for loyalty and advocacy, translating insights into a prioritised backlog of growth-oriented features. Design and lead a sophisticated experimentation programme to optimise the loyalty funnel including referral conversion rates, rewards and the impact of direct and indirect savings on member retention.
• Performance & PnL Ownership. Instrument, analyse and own a sophisticated set of KPIs that measure the success of the rewards ecosystem including programme ROI, Customer Acquisition Cost (CAC) reduction and uplift in member engagement.
• Business Case Development. Develop comprehensive business cases for new initiatives, including partnership opportunities, financial modelling of rewards systems and PnL forecasting to champion initiatives and align with key stakeholders.
• Cross-Functional Collaboration. Work closely with Technology, Design, Marketing, Data and Finance to create cohesive data-driven campaigns and product features that drive adoption of our rewards and referral programmes.
• Thought Leadership. Serve as the company's leading expert on loyalty, earnings and growth mechanics within the fintech space, influencing other product teams to integrate these principles across the platform.
• Invest in Your Future. Dedicated budget for external training, industry certifications, and conferences, coupled with opportunities to drive strategic initiatives and mentor talent for accelerated career advancement.

• 4+ years product management experience in consumer financial products, preferably in a growth, loyalty or rewards programme function.
• Understanding of the cryptocurrency and blockchain industry in the areas of custody, trading, yield and payments.
• Demonstrable track record of owning and shipping complex products that have measurably increased retention and driven significant business growth via incentive mechanisms.
• Experience in financial modelling, dynamic pricing and business case development to maximise PnL, drive profitability and execute strategies for revenue growth.
• Expert-level proficiency with data analytics, A/B testing and experimentation tools for objective decision-making.
• Deep domain expertise in customer retention, subscription-based business models and optimising user journeys for advocacy and growth.
• Deep commitment to user experience, prioritising delightful experiences.

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