Senior Product Designer

📍 Job Overview

Job Title: Senior Product Designer

Company: Lumi

Location: Sydney, New South Wales, Australia

Job Type: Full-time

Category: Product Design / UX/UI

Date Posted: April 23, 2026

Experience Level: 5-10 Years (Mid-Senior to Senior)

Remote Status: Hybrid (3 days in office)

🚀 Role Summary

• Lead end-to-end product design for complex financial products, focusing on user experience for borrowers and partners.

• Drive product strategy and problem framing in collaboration with Product Managers and Engineers, acting as a key member of the "product triad."

• Leverage AI tools and methodologies to enhance user research, discovery, and design processes in an AI-native environment.

• Contribute to the evolution of the company's design system, ensuring its practicality and scalability for future tools and AI integration.

• Translate intricate financial data and regulated workflows into simple, actionable, and user-friendly interfaces.

📝 Enhancement Note: This role is positioned as a Senior Product Designer with significant upstream and end-to-end responsibilities. The emphasis on "high-ownership," "genuinely upstream," and "product triad" collaboration suggests a proactive individual contributor role that influences product direction from its inception, rather than solely executing design tasks. The requirement to integrate AI into the design practice indicates a forward-thinking company seeking designers who are exploring and adopting emerging technologies.

📈 Primary Responsibilities

• Spearhead the design of complex financial products, including credit facilities, quoting tools, and decisioning flows, ensuring both commercial viability and user usability.

• Actively participate in pre-discovery phases, collaborating with Product Managers and engineers to frame problems, test assumptions, and define success criteria before design work begins.

• Utilize AI tools for advanced user research, including synthesis, pattern recognition, interview analysis, and journey mapping, to accelerate discovery and inform design decisions.

• Own UX and service design across multiple product streams, encompassing customer portals, broker-facing tools, and internal operations workflows, from ideation to high-fidelity prototypes and delivery.

• Function as a core member of the product triad, challenging scopes, identifying risks early, and contributing to informed decision-making alongside Product Managers and Tech Leads.

• Contribute to the maintenance and advancement of the design system, ensuring it remains practical, scalable, and adaptable for AI-driven tools and future development.

• Act as the customer advocate in discussions with stakeholders from Risk, Finance, and Data, ensuring user needs are considered in product development.

• Design for the entire customer and partner lifecycle, including onboarding, activation, retention, and re-engagement touchpoints.

📝 Enhancement Note: The responsibilities highlight a critical need for a designer who can operate strategically and autonomously. The emphasis on "upstream collaboration" and "product triad" means the candidate must be comfortable influencing without direct authority and actively shaping product strategy. The role demands a blend of technical understanding (API constraints, data structures) and strong user empathy to navigate complex financial products and regulated environments.

🎓 Skills & Qualifications

Education: Bachelor's degree in Design, Human-Computer Interaction, Computer Science, or a related field, or equivalent practical experience.

Experience:

• Minimum of 5-10 years of proven experience in end-to-end product design, with a strong emphasis on SaaS or Fintech environments.

Required Skills:

• Product Design: Expertise in designing complex SaaS or Fintech products, with a portfolio demonstrating end-to-end ownership from problem framing to shipped product.

• User Research & Discovery: Strong skills in conducting user research, synthesizing findings into actionable insights, and influencing product direction based on research.

• Upstream Collaboration: Proven ability to engage in pre-briefing discussions, co-shape product scope, and work collaboratively with Product Managers and Engineers from the problem-definition stage.

• Systems Thinking: Ability to design flows, systems, and user experiences that account for data structures, API constraints, edge cases, and technical limitations.

• Complexity Management: Experience in distilling complex information, such as financial policies or operational workflows, into clear and manageable designs.

• Customer Lifecycle Design: Proficiency in designing for the full customer and partner journey, including onboarding, activation, retention, and re-engagement.

• AI-Native Design Practice: Demonstrated experience or a strong aptitude for integrating AI tools and methodologies into the design process, with a critical understanding of AI's impact on user experience and design workflows.

• Design System Contribution: Experience contributing to or maintaining design systems, ensuring practicality and scalability.

Preferred Skills:

• Experience in regulated environments where navigating compliance and policy is crucial.

• Familiarity with common financial products and their underlying complexities.

• Strong understanding of commercial drivers such as activation, utilization, and retention metrics.

• Experience with tools like Figma for high-fidelity prototyping and design system management.

• Ability to articulate technical constraints and trade-offs credibly to engineering teams.

📝 Enhancement Note: The "AI-native design practice" is a key differentiator. Candidates should be prepared to discuss specific examples of how they've incorporated AI into their workflow, not just adopted tools. The emphasis on "systems thinking over surface design" and understanding "API constraints" suggests the need for a technically aware designer who can bridge the gap between user needs and technical feasibility.

📊 Process & Systems Portfolio Requirements

Portfolio Essentials:

• Demonstrations of end-to-end product design process, from initial problem framing and user research through to final high-fidelity designs and delivery.

• Case studies showcasing the ability to manage and simplify complex financial product workflows and data.

• Examples of upstream collaboration, illustrating how you've influenced product strategy and scope before detailed design commenced.

• Evidence of systems thinking, including user flows, interaction design, and consideration of technical constraints and data structures.

• Projects that highlight the application of AI in the design process, such as AI-assisted research synthesis, concept generation, or feature design.

Process Documentation:

• Case studies should clearly articulate the problem statement, your role, the design process undertaken, key decisions made, and the measurable impact of your solutions.

• Documented user research findings, synthesis methods, and how these insights directly informed design iterations.

• Examples of collaboration with Product Managers, Engineers, and other stakeholders, demonstrating effective communication and problem-solving.

• Evidence of iterative design, including wireframes, prototypes, user testing feedback, and subsequent design refinements.

📝 Enhancement Note: The portfolio is critical for this role, especially for demonstrating "upstream collaboration" and "systems thinking." Candidates should go beyond showcasing polished visuals and focus on detailing their thought process, problem-solving approach, and the impact of their design decisions. The inclusion of AI in the portfolio is highly recommended.

💵 Compensation & Benefits

Salary Range: Based on the Senior Product Designer title, experience level (5-10 years), and location in Sydney, Australia, a competitive salary range can be estimated. For a Senior Product Designer in Sydney, the typical range can be AUD $130,000 - $180,000 per annum.

Benefits:

• Wellbeing: Free counselling, seasonal activities, Wellbeing Allowance, wellness room, flu shots.

• Work-Life Balance: Home Workspace Allowance, Purchased Leave, comprehensive Parental Leave (including Flex Leave), Lumi Life Leave for significant personal events, breastfeeding/expressing space.

• Social & Food: Regular company-provided lunches, celebrations, a well-stocked kitchen, complimentary beer & kombucha on tap, board games, and rooftop BBQs.

• Rewards & Recognition: Competitive salary, referral bonuses, and formal recognition programs.

• Community Support: Paid volunteer leave, active participation in diversity celebrations, and company-organized volunteer days.

• Career & Growth: Opportunities for rapid advancement, sponsorship for higher education, and participation in hackathons.

Working Hours: Standard full-time hours, likely around 40 hours per week, with potential for flexibility given the hybrid work arrangement.

📝 Enhancement Note: The salary range is an estimate based on industry benchmarks for a Senior Product Designer in Sydney, Australia. Actual compensation will depend on the candidate's specific skills, experience, and the outcome of the interview process. The extensive list of benefits indicates a strong focus on employee well-being and work-life balance.

🎯 Team & Company Context

🏢 Company Culture

Industry: Fintech (Financial Technology), Small Business Lending. Lumi is a leading provider of fast and flexible funding for Australian small businesses, having funded over $1.5 billion since 2018.

Company Size: The provided LinkedIn data indicates a company size typically between 51-200 employees (based on "Company Size: 51-200"). This suggests a dynamic, growth-stage environment where individual contributions have a significant impact.

Founded: Lumi was founded in 2018. This relatively young age, combined with its rapid growth (ranked #36 fastest-growing tech company in Australia in 2022), points to an innovative, agile, and ambitious culture.

Team Structure:

• The Product & Design team is described as "small" and "high-ownership." This implies a lean structure where designers work closely with product management and engineering.

• The role involves working within a "product triad" (Designer, Product Manager, Tech Lead), suggesting a collaborative and cross-functional approach to product development.

Methodology:

• Data-Driven Decisions: The company values data and uses it to inform decisions, as indicated by the presence of "Data stakeholders" and the focus on commercial metrics.

• Customer-Centricity: A core value is "See the customer," emphasizing a deep understanding and focus on solving customer problems.

• Agile & Lean Principles: The emphasis on "Think lean," making things simple, being resourceful, and thinking ahead aligns with agile development methodologies and a focus on efficiency.

• Continuous Learning & Iteration: The value "Learn to grow" highlights a culture of curiosity, experimentation, and a willingness to learn from failures.

Company Website: https://lumi.com/

📝 Enhancement Note: Lumi's culture appears to be a blend of high-growth startup energy and established financial services rigor. The emphasis on values like "Egos at the door," "See the customer," "Think lean," and "Learn to grow" provides clear guidance on expected behaviors and team dynamics. The company's awards and rapid growth suggest a high-performing environment.

📈 Career & Growth Analysis

Operations Career Level: This role is classified as "Senior Product Designer," indicating a position that requires significant experience and autonomy. It sits above an intermediate designer and is likely a key individual contributor role within the design team, with potential to mentor junior designers or influence design practice.

Reporting Structure: The role reports to a Design Lead or Head of Product/Design within the "small, high-ownership Product & Design team." Collaboration is primarily within the "product triad" and with cross-functional stakeholders across Risk, Finance, and Engineering.

Operations Impact: As a Senior Product Designer, the impact is direct and significant:

• Product Evolution: Shaping the direction and user experience of core financial products, directly influencing customer acquisition, retention, and satisfaction.

• Efficiency & Scalability: Designing systems and workflows that improve operational efficiency for both internal users and external customers, crucial for a growing fintech lender.

• Brand & Trust: Contributing to a user-friendly and trustworthy interface, which is paramount in the financial services sector.

• Innovation: Driving the adoption of new technologies like AI within the design process, positioning Lumi as an innovative leader.

Growth Opportunities:

• Design Leadership: Potential to grow into a Design Lead role, taking on more strategic oversight, team management, and mentorship responsibilities.

• Product Strategy Influence: Continued opportunity to shape product roadmaps and influence business strategy through design insights and innovation.

• Specialization: Deepen expertise in complex Fintech product design, AI-driven design, or service design within a regulated industry.

• Cross-functional Expertise: Develop a strong understanding of financial operations, risk management, and data analysis through close collaboration.

• Higher Education Sponsorship: The company explicitly offers sponsorship for higher education, indicating a commitment to formal skill development.

📝 Enhancement Note: The "Senior" title, coupled with "high-ownership" and "upstream" responsibilities, signifies a role where the candidate is expected to contribute strategically and lead design initiatives, not just execute tasks. The growth opportunities are framed around leadership, strategic influence, and specialized skill development within the fintech domain.

🌐 Work Environment

Office Type: Lumi operates with a hybrid work model, requiring 3 days per week in their Sydney office. This suggests an environment that values in-person collaboration and team cohesion while offering flexibility.

Office Location(s): The office is located at 227 Elizabeth Street, Sydney, NSW 2000, Australia. This central Sydney location is likely accessible via public transport and situated within a business district.

Workspace Context:

• Collaborative Spaces: The office environment likely includes collaborative workspaces, meeting rooms, and potentially informal areas conducive to brainstorming and "product triad" discussions.

• Tools & Technology: Access to standard design software (e.g., Figma), collaboration tools, and company-provided hardware suitable for design work. The company's focus on AI suggests that tools supporting AI integration will be available.

• Team Interaction: Opportunities for regular interaction with Product Managers, Engineers, Data Analysts, Risk teams, and other designers, fostering a dynamic and cross-functional exchange of ideas.

Work Schedule: Standard full-time hours (approx. 40 hours/week) with a hybrid arrangement. The company's values ("Think lean," "Learn to grow") and benefits (Purchased Leave, Lumi Life Leave) suggest a culture that supports work-life balance and employee well-being, while still expecting high performance.

📝 Enhancement Note: The hybrid model with a 3-day in-office requirement is a key detail. Candidates should be prepared for a mix of focused individual work and highly collaborative in-person sessions. The office location in Sydney's CBD is a typical setting for professional services firms.

📄 Application & Portfolio Review Process

Interview Process:

• Initial Screening: A review of your resume and portfolio to assess experience, skills, and alignment with the role requirements, particularly in SaaS/Fintech and AI-native design.

• Discovery Call/Hiring Manager Interview: A conversation with the hiring manager (likely Design Lead or Head of Product/Design) to discuss your background, motivations, and initial fit. This stage will delve into your experience with upstream product work and AI integration.

• Design Exercise/Case Study Presentation: You may be asked to present a case study from your portfolio, focusing on a complex problem you solved, your design process, and the impact. Alternatively, a short take-home exercise or a live design challenge might be given to assess your problem-solving and design skills in real-time.

• Product Trio/Cross-functional Interviews: Interviews with Product Managers, Engineers, and potentially other stakeholders (Risk, Data) to assess your collaboration style, ability to communicate technical concepts, and stakeholder management skills.

• Final Interview: Potentially a discussion with senior leadership to assess cultural fit, strategic thinking, and long-term potential.

Portfolio Review Tips:

• Focus on Process, Not Just Polish: Clearly articulate the problem, your role, your thought process, the challenges faced, and the rationale behind your design decisions. Quantify impact where possible.

• Showcase Upstream Work: Highlight projects where you were involved in problem framing and strategy definition, not just execution.

• Demonstrate AI Integration: Include examples of how you've used AI in your design workflow, explaining the benefits and any lessons learned.

• Highlight Complexity Management: Select projects that demonstrate your ability to handle intricate financial data, regulated environments, or complex workflows.

• Emphasize Collaboration: Include examples of how you've worked effectively within a product triad or with diverse stakeholders.

• Systems Thinking Examples: Show user flows, interaction designs, and explain how you considered technical constraints and broader system implications.

Challenge Preparation:

• Understand Lumi's Business: Research Lumi's products, target market (small businesses, brokers), and competitive landscape. Understand the core challenges in fintech lending.

• Prepare Case Studies: Have 2-3 strong case studies ready to present, covering different aspects of your experience (e.g., complex workflow, AI integration, upstream collaboration).

• Think About AI in Design: Be ready to discuss your perspective on AI's role in product design, potential challenges, and how you've experimented with it.

• Practice Explaining Trade-offs: Be prepared to discuss design decisions and the trade-offs made, especially concerning technical constraints, business goals, and user needs.

• Articulate Your Values: Connect your approach to Lumi's stated values (Egos at the door, See the customer, Think lean, Learn to grow).

📝 Enhancement Note: The interview process emphasizes a holistic assessment, focusing on design craft, strategic thinking, collaborative ability, and an understanding of the fintech domain. Candidates should prepare to speak extensively about their process and how they've influenced product direction.

🛠 Tools & Technology Stack

Primary Tools:

• Design & Prototyping: Figma is the industry standard and is implied as the primary tool for design and design system work.

• Collaboration & Communication: Tools such as Slack, Jira, Confluence, and Google Workspace (Docs, Sheets, Slides) are standard for team communication, project management, and documentation.

• User Research Platforms: Tools might include UserTesting.com, Maze, or similar platforms for remote usability testing and feedback collection.

Analytics & Reporting:

• Product Analytics: Tools like Amplitude, Mixpanel, or Google Analytics would be used to track user behavior, feature adoption, and product performance.

• Data Visualization: While not explicitly stated, designers may interact with dashboards created in tools like Tableau, Power BI, or Looker to understand user data and business metrics.

CRM & Automation:

• CRM: While not directly a designer's tool, understanding how CRM systems (e.g., Salesforce, HubSpot) might integrate with product experiences or how customer data is managed is beneficial.

• Automation Tools: Familiarity with workflow automation concepts is relevant, especially for designing internal operational tools.

📝 Enhancement Note: While Figma is the most probable primary design tool, candidates should be open to learning new tools. The emphasis on "AI-native design practice" suggests that the company may be exploring or using specialized AI-powered design or research tools.

👥 Team Culture & Values

Operations Values:

• Egos at the door: Encourages humility, openness, and a focus on collective success over individual recognition. This means being receptive to feedback, collaborative, and respectful.

• See the customer: Emphasizes deep empathy, understanding customer needs, anticipating challenges, and delivering on promises. This translates to a user-centric design approach.

• Think lean: Promotes simplicity, resourcefulness, problem-solving, and forward-thinking. For designers, this means creating efficient, straightforward solutions and being mindful of development effort.

• Learn to grow: Fosters curiosity, a willingness to challenge the status quo, experimentation, and learning from both successes and failures. This encourages innovation and continuous improvement in design practice.

Collaboration Style:

• Product Triad: The core collaboration model involves a tight-knit partnership between Design, Product Management, and Engineering, fostering shared ownership and decision-making.

• Cross-functional Integration: Designers are expected to actively engage with business units like Risk, Finance, and Data, integrating diverse perspectives into the design process.

• Open Feedback Culture: The "Egos at the door" and "Learn to grow" values suggest an environment where constructive feedback is common and valued for mutual improvement.

• AI-Forward Discussions: Collaboration likely includes discussions around the ethical implications and practical applications of AI in product design and user experience.

📝 Enhancement Note: The company's values are clearly articulated and form the backbone of its culture. Candidates should be prepared to discuss how they embody these values in their daily work and design approach. The collaborative style is proactive and integrated, rather than siloed.

⚡ Challenges & Growth Opportunities

Challenges:

• Designing for Financial Complexity & Regulation: Translating dense financial policies and regulated workflows into intuitive user experiences requires deep understanding and careful design.

• Balancing Multiple Stakeholder Needs: Effectively mediating between the needs of borrowers, brokers/partners, and internal business units (Risk, Finance, Data) can be demanding.

• Navigating Ambiguity: As a Senior Designer in a growing company, the role involves significant ambiguity, requiring comfort with evolving priorities and undefined problem spaces.

• Integrating AI Effectively: Moving beyond basic AI tool usage to genuinely rethink design practices for an AI-native world presents a significant, forward-looking challenge.

• Evolving Design Practice: Contributing to the company's design system and overall design maturity as the company scales.

Learning & Development Opportunities:

• Deep Fintech Domain Expertise: Gaining specialized knowledge in financial products, lending processes, and regulatory environments.

• AI in Design Leadership: Becoming a thought leader in how AI is transforming product design and user experience within the fintech sector.

• Strategic Product Influence: Developing skills in product strategy, problem framing, and influencing business decisions through design.

• Mentorship & Team Growth: Potential to mentor junior designers and contribute to building out the design function as the company grows.

• Formal Education Sponsorship: Access to company-sponsored higher education opportunities to formally enhance skills.

📝 Enhancement Note: The challenges are framed as opportunities for growth. The emphasis on AI and complex financial products positions this role as one for a designer who thrives on tackling difficult, impactful problems and staying at the forefront of technological and industry trends.

💡 Interview Preparation

Strategy Questions:

• "Describe a time you were involved in product discovery before a formal brief was created. What was your role, and how did you influence the problem definition?" (Assesses upstream collaboration)

• "Walk us through a complex financial product or workflow you designed. How did you simplify it for the user, and what were the key trade-offs you considered?" (Assesses complexity management and systems thinking)

• "How have you used AI tools or methodologies in your design process? What were the outcomes, and what are your thoughts on the future of AI in design?" (Assesses AI-native practice)

Company & Culture Questions:

• "How do Lumi's values – 'Egos at the door,' 'See the customer,' 'Think lean,' 'Learn to grow' – resonate with your own design philosophy and work style?" (Assesses cultural fit)

• "What excites you most about working in the Fintech industry, specifically in small business lending?" (Assesses industry interest and motivation)

Portfolio Presentation Strategy:

• Structure Your Narrative: For each case study, clearly define the problem, your specific role and contributions, the process followed (research, ideation, iteration, testing), key decisions made, and the measurable impact of your solution.

• Emphasize "Why" and "How": Focus on the rationale behind your design choices and the methods you employed, rather than just showing final screens.

• Showcase AI Integration: If applicable, dedicate a section or highlight within your case studies how AI influenced your process or the final product.

• Quantify Impact: Wherever possible, use data and metrics to demonstrate the success of your designs (e.g., increased conversion rates, improved user satisfaction, reduced error rates, increased operational efficiency).

• Be Prepared for Deep Dives: Anticipate questions about technical constraints, user research methodology, stakeholder management, and how you handled challenges or ambiguity.

📝 Enhancement Note: Interview preparation should focus on demonstrating not just design skills, but also strategic thinking, collaborative aptitude, and a proactive, problem-solving mindset aligned with Lumi's values and industry.

📌 Application Steps

To apply for this Senior Product Designer position:

• Submit your application through the provided SmartRecruiters link.

• Customize Your Resume: Tailor your resume to highlight experience in SaaS, Fintech, end-to-end product design, user research, and any relevant AI design practices. Use keywords from the job description, such as "upstream collaboration," "product triad," and "systems thinking."

• Curate Your Portfolio: Select 2-3 of your strongest case studies that best showcase your ability to handle complex financial products, your upstream collaboration experience, and your approach to AI-native design. Ensure each case study clearly outlines the problem, your role, process, challenges, solutions, and impact.

• Prepare Your Presentation: Practice presenting your portfolio case studies, focusing on clarity, conciseness, and demonstrating your thought process. Be ready to articulate your contributions and the impact of your work.

• Research Lumi: Thoroughly understand Lumi's business, products, target customers, and company values. Prepare thoughtful questions about the role, team, and company culture.

⚠️ Important Notice: This enhanced job description includes AI-generated insights and operations industry-standard assumptions. All details should be verified directly with the hiring organization before making application decisions.