Product Designer, Credit

📍 Job Overview

Job Title: Product Designer, Credit

Company: Felix Technologies, Inc.

Location: Bogotá, Colombia

Job Type: Full-Time

Category: Product Design / Fintech Operations

Date Posted: September 10, 2026

Experience Level: Mid-Senior Level (implied by 4+ years experience)

Remote Status: Fully Remote (with future hybrid transition)

🚀 Role Summary

• Design end-to-end user experiences for credit products within an AI-native, conversational interface, focusing on expanding financial access for underserved Latinos.

• Translate complex financial and regulatory requirements into intuitive and trustworthy user interactions, treating compliance as a core design material.

• Collaborate closely with Product Management and Engineering in an async-first, fast-paced environment to deliver high-quality design solutions for both chat-based and future native mobile applications.

• Conduct user research, including evaluative testing and lightweight discovery, to inform design decisions and validate product concepts, ensuring the design system remains consistent with Félix's overall brand.

📝 Enhancement Note: While the role is "Product Designer, Credit," its focus on financial products, regulatory constraints, and user trust within a fintech context places it at the intersection of product design and critical GTM/operations considerations. The emphasis on compliance, risk, and user accessibility within a regulated domain suggests a need for operational rigor in the design process. The company's "hyper-growth Series C" status and "bias for action" indicate a dynamic, results-oriented environment where design directly impacts business objectives and revenue generation through expanded credit access.

📈 Primary Responsibilities

• Develop and iterate on user flows, wireframes, prototypes, and high-fidelity visual designs for credit offerings, including loan applications, disclosures, repayment schedules, and transaction history, primarily within a WhatsApp chat interface.

• Partner with Product Managers and Engineering teams to define product requirements, design specifications, and ensure successful implementation of credit features across chat and native mobile platforms.

• Integrate legal, risk, and compliance requirements seamlessly into the user experience, ensuring transparency and user confidence in credit products.

• Conduct user research and usability testing to gather feedback, validate design hypotheses, and identify areas for improvement in credit product offerings.

• Contribute to the evolution of the Félix design system, ensuring consistency and scalability across all product lines, with a particular focus on maintaining the "Félix feel" within credit experiences.

• Champion user-centered design principles and advocate for the needs of underserved users within the credit product development lifecycle.

• Actively participate in design critiques, providing and receiving constructive feedback to elevate the quality of design work across the team.

• Collaborate with AI/ML teams to explore innovative conversational interfaces that enhance the user's understanding and management of credit.

📝 Enhancement Note: The responsibilities emphasize a deep understanding of financial product design within a regulated environment, requiring a blend of creative problem-solving and operational adherence. The "design for a conversational, AI-native medium" aspect highlights a unique challenge that requires careful consideration of user psychology, trust, and information hierarchy within a chat context. The mandate to "widen credit access" directly ties design efforts to business growth and revenue expansion.

🎓 Skills & Qualifications

Education: While no specific degree is mandated, a strong portfolio demonstrating equivalent competencies in product design, UX/UI, and visual design principles is essential.

Experience: Minimum of 4+ years of professional experience designing consumer-facing digital products, with a proven track record of shipping end-to-end user experiences.

Required Skills:

• Product Design: Comprehensive experience in the entire product design lifecycle, from ideation and research to prototyping and final visual design.

• Visual Design: High bar for visual craft, with the ability to create aesthetically pleasing and brand-aligned interfaces.

• Interaction Design: Expertise in designing intuitive and engaging user interactions, particularly within complex flows like lending.

• UX Design: Strong understanding of user-centered design principles and methodologies to create effective and user-friendly experiences.

• Figma Fluency: Deep proficiency in Figma for wireframing, prototyping, and high-fidelity design, with demonstrated experience in creating and managing design systems.

• Mobile Product Design: Proven experience in designing and shipping at least two mobile products end-to-end.

• Research Fluency: Ability to conduct independent evaluative testing and lightweight user discovery, with the judgment to know when to engage dedicated researchers.

• Spanish Proficiency: Native or near-native fluency in Spanish is critical for understanding and designing for the target user base.

• English Proficiency: Advanced English communication skills for internal collaboration and documentation.

• Communication & Collaboration: Excellent verbal and written communication skills, with the ability to present work, defend design decisions, and collaborate effectively in an async-first environment.

• Problem-Solving: Ability to analyze complex problems, reframe challenges, and propose innovative solutions.

Preferred Skills:

• Lending/Credit/Banking Experience: Prior experience designing products in regulated financial domains.

• Conversational AI Products: Familiarity with designing for AI-powered chat interfaces and understanding their unique UX challenges.

• AI as a Creative Partner: Experience leveraging AI tools (e.g., Cursor, Claude Code/Design, Codex) to enhance design craft.

• Strategic Thinking: Ability to contribute to product strategy and roadmap discussions.

• Risk Management Acumen: Understanding of how to design for and mitigate risks within financial products.

📝 Enhancement Note: The emphasis on "native or near-native Spanish" and "advanced English" highlights the critical need for bilingual communication skills, directly impacting the ability to serve the target demographic and collaborate internally. The requirement to "ship at least two mobile products end to end" indicates a need for candidates with practical, hands-on experience in delivering launched products, not just conceptual design work.

📊 Process & Systems Portfolio Requirements

Portfolio Essentials:

• End-to-End Case Studies: Showcase at least two complete product design case studies demonstrating ownership from initial research and ideation through to final shipped product and post-launch iteration.

• Credit/Financial Product Focus: Prioritize projects that highlight experience with complex flows, regulated products, or financial services, if available. Otherwise, demonstrate transferable skills in handling sensitive data and high-stakes interactions.

• Conversational Design Examples: Include examples of designing for chat interfaces, AI-driven interactions, or messaging platforms to showcase adaptation to the medium.

• Visual & Interaction Design Craft: Clearly present high-fidelity mockups, interactive prototypes, and detailed explanations of interaction patterns, visual design choices, and their rationale.

• Research & Validation: Detail the research methodologies employed (e.g., user interviews, usability testing, A/B testing) and how findings influenced design decisions and outcomes.

• System Thinking: Demonstrate an understanding of design systems and how to maintain consistency and scalability across a product suite.

Process Documentation:

• Workflow Design & Optimization: Showcase how you have mapped out user journeys, identified pain points, and designed streamlined workflows for complex tasks.

• User Research & Discovery: Provide examples of how you have conducted user discovery, gathered insights, and translated them into actionable design requirements.

• Collaboration & Iteration: Illustrate your process for collaborating with product managers, engineers, and stakeholders, including how you incorporate feedback and iterate on designs.

• Compliance Integration: If applicable, demonstrate how you have integrated regulatory or legal constraints into your design process and user experience.

📝 Enhancement Note: The portfolio is paramount for this role, especially given the "Product Designer, Credit" title and the company's emphasis on "bias for action" and "experimentation spirit." Candidates must be able to demonstrate not just aesthetic skill but a robust, evidence-based design process that can navigate complex requirements and deliver tangible results in a regulated, high-stakes environment. The "high tolerance for constraint" and "legal requirements" suggest that portfolios showcasing adaptability and problem-solving within strict boundaries will be highly valued.

💵 Compensation & Benefits

Salary Range: Based on industry benchmarks for a Product Designer with 4+ years of experience in a Series C fintech company in a major Latin American capital like Bogotá, and considering the fully remote nature, the estimated salary range is likely between $45,000 - $70,000 USD annually. This range accounts for the cost of living in Bogotá, the demand for skilled fintech designers, and the company's growth stage.

Benefits:

• Competitive Salary: A base salary commensurate with experience and market value.

• Initial Stock Options Grant: Opportunity to gain equity in a rapidly growing company.

• Annual Performance Bonus: Incentive tied to individual and company performance.

• Comprehensive Health, Dental, and Vision Plans: Robust medical coverage for employees and potentially dependents.

• Continuous Learning Opportunities: Budget or access to resources for professional development, workshops, and conferences.

• Unlimited PTO: Flexible paid time off policy, emphasizing work-life balance and autonomy.

• Paid Parental Leave: Support for new parents.

• Future Hybrid Work Model: Anticipated transition to a hybrid setup, offering a blend of remote and in-office collaboration.

• Empowering Growth Environment: Opportunities for career advancement and increased responsibility within a dynamic startup setting.

Working Hours: While the role is full-time, the company operates in an "async-first environment with lightweight process and fast decision-making," suggesting flexibility in daily hours. A standard 40-hour work week is implied, but the focus is on output and timely delivery rather than strict adherence to a 9-to-5 schedule.

📝 Enhancement Note: The salary estimation is based on global fintech design roles and adjusted for the Bogotá location and the company's Series C funding, indicating significant investment potential. The benefits package is typical for a high-growth tech startup, emphasizing both financial incentives (salary, stock, bonus) and employee well-being (health, PTO, parental leave), crucial for attracting and retaining top talent in competitive markets like fintech design.

🎯 Team & Company Context

🏢 Company Culture

Industry: Fintech, specifically focusing on financial services for Latinos in the US, with a core offering in remittances and expanding into credit, savings, and wallet services. The company leverages AI and blockchain/crypto rails for its infrastructure.

Company Size: Hyper-growth Series C, indicating a substantial employee base that is rapidly expanding, likely ranging from 100-500 employees, and growing. This size implies a need for scalable processes and strong operational frameworks.

Founded: The company's founding date is not explicitly stated, but its Series C funding suggests it has been operational for several years and has achieved significant product-market fit and growth.

Team Structure:

• Design Team: Works closely with Product Management and Engineering. The Product Designer will be paired directly with a Lead Credit Designer and a Credit PM, operating in a highly collaborative, async-first environment. The Head of Product Design is also closely involved.

• Reporting Structure: Reports to the Lead Credit Designer or Head of Product Design, with direct collaboration with the Credit Product Manager.

• Cross-functional Collaboration: Design is deeply integrated with Product and Engineering, with a strong emphasis on fast decision-making and a "bias for action." The company also emphasizes collaboration with Legal and Risk teams due to the regulated nature of its products.

Methodology:

• Data-Driven Decisions: Emphasis on grounding decisions in evidence through evaluative testing and lightweight discovery.

• Experimentation Spirit: A culture that encourages trying new approaches and learning quickly.

• Async-First Communication: Prioritizing asynchronous communication for efficiency and focus, with lightweight processes.

• User-Centricity: A core principle focused on empowering customers and delivering a "white-glove financial experience."

Company Website: https://felixpago.com/

📝 Enhancement Note: The "hyper-growth Series C" status and "Endeavour Entrepreneur" recognition suggest a company that is well-funded, has proven traction, and is in a phase of aggressive scaling. The "bias for action" and "experimentation spirit" are key cultural indicators for operations professionals, suggesting a fast-paced, agile environment where initiative is rewarded. The integration of AI and crypto rails points to a forward-thinking, technology-driven organization.

📈 Career & Growth Analysis

Operations Career Level: This role is positioned as a mid-senior level Product Designer, with the potential for significant impact and ownership. The requirement for 4+ years of experience and the scope of designing "real surface area on that product, end to end" indicate a role beyond junior contribution. The opportunity to "shape the vision for the system" and "shape the team" suggests a path towards leadership within the design function.

Reporting Structure: The Product Designer will report into the design leadership (Lead Credit Designer or Head of Product Design) and work extremely closely with a dedicated Credit Product Manager. This structure facilitates direct impact and rapid feedback loops.

Operations Impact: The role directly impacts revenue by designing and optimizing credit products that expand financial access for underserved users. By making credit more accessible and trustworthy, Félix can acquire and retain more customers, driving transaction volume and loan origination. The design of these products is a critical component of the company's growth strategy and its mission to serve the immigrant community.

Growth Opportunities:

• Specialization in Fintech Design: Deepen expertise in designing for regulated financial products, conversational AI, and cross-border financial services.

• Leadership Track: Potential to grow into a Lead Product Designer role, manage junior designers, or take on more strategic product design responsibilities as the company scales.

• Cross-Functional Mobility: Opportunities to move into Product Management or other GTM roles given the deep product involvement and focus on business outcomes.

• Skill Development: Continuous learning opportunities provided by the company, including exposure to AI, crypto, and advanced financial product design.

📝 Enhancement Note: The emphasis on "designing for a conversational, AI-native medium" and "treating compliance as a design material" indicates a unique specialization opportunity within product design. The role offers a chance to not just design products but to influence the operational processes and strategic direction of credit product development at a rapidly scaling fintech company.

🌐 Work Environment

Office Type: The current work model is "fully remote," with a stated future transition to a "hybrid set up." This suggests the company is building infrastructure and culture to support both remote and in-office collaboration.

Office Location(s): While the job is remote, the company is headquartered in the US (implied by investor information and typical startup structures) and has a significant presence or focus on Latin America, with the role being based in Bogotá, Colombia. This suggests a global, distributed team.

Workspace Context:

• Async-First Environment: Designed for focused work with minimal interruptions, allowing designers to manage their time effectively.

• Collaborative Tools: Reliance on digital tools for communication, design, and project management (e.g., Figma, Slack, potentially project management software).

• Direct Stakeholder Interaction: Close working relationships with Product Managers, Engineers, Legal, and Risk teams, fostering a highly integrated and communicative environment.

Work Schedule: The company operates with a "bias for action" and "fast decision-making" in an "async-first environment." While a standard 40-hour work week is implied for full-time employment, the emphasis is on output and flexibility, allowing individuals to manage their schedules to meet deadlines and collaborate effectively across time zones.

📝 Enhancement Note: The "async-first" and "fully remote" nature of the current setup, coupled with a future hybrid model, indicates a modern work environment designed to attract talent globally. Operations professionals in this role will need to be adept at managing their own time, communicating effectively in writing, and being proactive in seeking information and feedback.

📄 Application & Portfolio Review Process

Interview Process:

• Application & Portfolio Submission: Initial screening based on resume and a mandatory portfolio link.

• Recruiter Screen: An initial conversation to assess general fit, experience, and interest.

• Design Exercise/Challenge: Candidates may be asked to complete a take-home design challenge or a live whiteboarding session focused on a specific design problem related to credit products or conversational interfaces. This assesses problem-solving skills, design thinking, and approach.

• Design Critiques/Portfolio Review: In-depth sessions with the design team and potentially leadership to walk through portfolio case studies, discuss design decisions, and evaluate craft.

• Cross-Functional Interviews: Meetings with Product Management, Engineering, and potentially Legal/Risk to assess collaboration skills, technical understanding, and domain-specific awareness.

• Final Interview: Typically with senior leadership (e.g., Head of Product Design, Head of Product, or a Co-founder) to discuss vision, culture fit, and long-term potential.

Portfolio Review Tips:

• Tell a Story: For each case study, clearly articulate the problem, your role, the process, the challenges, the solutions, and the measurable impact. Use visuals to support your narrative.

• Highlight Constraints: Explicitly discuss how you navigated constraints such as regulations, technical limitations, or ethical considerations (e.g., fair lending practices, avoiding predatory terms). This is crucial for a credit product role.

• Demonstrate Process, Not Just Pixels: Show your thinking – wireframes, user flows, research findings, iteration rationale. The "how" and "why" are as important as the final "what."

• Quantify Impact: Where possible, include metrics demonstrating the success of your designs (e.g., increased conversion rates, improved user satisfaction, reduced errors, successful loan originations).

• Tailor to Félix: Research Félix's mission, products, and target audience. Frame your experience in a way that resonates with their goals, especially regarding serving underserved communities and building trust.

• Spanish Language: If possible, include a case study or key visuals in Spanish to demonstrate capability.

Challenge Preparation:

• Understand the Domain: Familiarize yourself with basic concepts of credit, lending, compliance (e.g., fair lending, disclosure requirements), and conversational AI UX.

• Focus on User Needs: Identify potential user pain points for credit-invisible individuals and how design can address them.

• Embrace Constraints: Be prepared to design within tight constraints, acknowledging that not every problem has an ideal, unconstrained solution.

• Communicate Clearly: Practice articulating your thought process, design decisions, and trade-offs concisely and persuasively.

📝 Enhancement Note: The emphasis on "treating compliance as a design material" and the mention of "legal and risk requirements" indicate that interviewers will be looking for candidates who understand the operational and regulatory complexities of financial products. Demonstrating an ability to balance user experience with these constraints will be key. The portfolio review will be a critical gate, requiring candidates to clearly articulate their process and impact within this specific domain.

🛠 Tools & Technology Stack

Primary Tools:

• Figma: The core tool for UI/UX design, wireframing, prototyping, and design system management. Deep fluency is a requirement.

• AI Design Assistants: Tools like Cursor, Claude Code/Design, Codex are mentioned as creative partners, suggesting their integration into the design workflow to amplify craft.

• Prototyping Tools: Beyond Figma's capabilities, other tools might be used for more advanced interactive prototypes.

Analytics & Reporting:

• While not explicitly listed for the designer role, it's implied that the design team will utilize data from analytics platforms (e.g., Amplitude, Mixpanel, Google Analytics) to understand user behavior and measure the impact of their designs.

• Familiarity with how to define key metrics for success in financial product design would be beneficial. CRM & Automation:

• Not directly relevant to the Product Designer role, but awareness of how user data flows from CRM and other systems into product experiences would be helpful.

📝 Enhancement Note: The explicit mention of AI tools as "creative partners" signals a forward-thinking approach to design tooling. Candidates should be comfortable exploring and integrating new technologies to enhance their design process and output. The emphasis on "Figma fluency" is a strong indicator of the primary design software used.

👥 Team Culture & Values

Operations Values:

• Customer Obsession: A primary goal is to empower customers, especially Latinos in the US, by providing indispensable financial services.

• Bias for Action & Urgency: A fast-paced environment where getting things done efficiently and with focus is highly valued.

• Experimentation Spirit: A culture that encourages trying new approaches, learning from failures, and iterating quickly.

• Ownership: Employees are encouraged to act as owners of the company's success.

• Transparency & Openness: Working in the open and communicating clearly are key to collaboration.

• High Performance: A team of "extremely talented and dedicated high-performers" united by a shared goal.

Collaboration Style:

• Async-First: Prioritizing asynchronous communication for focused work, with lightweight processes and fast decision-making.

• Shoulder-to-Shoulder Collaboration: Working closely with specific individuals (Lead Credit Designer, Credit PM) while also engaging with the wider design team and Head of Product Design.

• Welcoming Feedback: Actively inviting critique early and sharing work before it's polished to foster collective improvement.

• Cross-functional Partnership: Deep integration with Product and Engineering, and close collaboration with Legal and Risk teams.

📝 Enhancement Note: The company culture emphasizes agility, ownership, and a strong mission-driven approach. For operations professionals, this means a need for self-direction, proactive communication, and a willingness to adapt to rapid change. The "bias for action" and "experimentation spirit" suggest that a structured, yet flexible, approach to process will be valued.

⚡ Challenges & Growth Opportunities

Challenges:

• Designing for Underserved Populations: Understanding and catering to the unique needs, financial literacy levels, and trust barriers of credit-invisible Latinos.

• Navigating Regulatory Constraints: Designing within strict legal and compliance frameworks (e.g., fair lending, disclosure rules) for credit products, which can limit design flexibility.

• AI-Native Conversational Design: Translating complex financial transactions and sensitive information into an effective and trustworthy chat interface, managing issues like latency, trust, and clarity.

• Balancing Speed and Quality: Maintaining a high bar for craft and user experience while operating in a fast-paced, "hyper-growth" environment with an "async-first" and "bias for action" culture.

• Future Hybrid Transition: Adapting to a new work model as the company moves from fully remote to hybrid.

Learning & Development Opportunities:

• Fintech & Credit Specialization: Gaining deep expertise in a high-demand niche within product design.

• Conversational AI Design: Developing skills in designing for emerging AI-driven interfaces.

• Cross-functional Exposure: Learning about product strategy, risk management, and compliance from direct collaboration.

• Leadership Development: Opportunities to influence team processes, contribute to hiring, and potentially grow into leadership roles.

• Exposure to Emerging Tech: Working with AI and potentially crypto rails in a real-world application.

📝 Enhancement Note: The challenges are directly tied to the company's mission and the nature of its products. Successfully navigating these will require a strong blend of user empathy, technical aptitude, operational rigor, and adaptability. The growth opportunities are substantial for individuals looking to specialize in a cutting-edge area of fintech design.

💡 Interview Preparation

Strategy Questions:

• "How would you approach designing a secure and trustworthy borrowing flow within a WhatsApp chat for users who are credit-invisible?" (Focus on trust, clarity, compliance, and user education.)

• "Describe a time you had to design a complex financial product under strict regulatory constraints. What was your process, and what were the key trade-offs you made?" (Assess understanding of compliance as a design material and problem-solving skills.)

• "How do you balance the need for speed and iteration with maintaining a high standard of design craft, especially in a regulated industry?" (Evaluate understanding of operational pace vs. quality.)

• "How would you leverage AI tools in your design process for this role, and what are the potential pitfalls or ethical considerations?" (Assess comfort with new tech and critical thinking.) Company & Culture Questions:

• "What interests you about Félix's mission to serve Latinos in the US with financial services?" (Gauge alignment with company values.)

• "How do you approach collaboration in an async-first environment?" (Assess communication and teamwork style.)

• "How do you see yourself contributing to the team's culture and design system?" (Evaluate potential impact beyond core design tasks.)

• "What does 'ownership' mean to you in a professional context?" (Understand work ethic and accountability.) Portfolio Presentation Strategy:

• Structure: Organize your presentation logically: Problem -> Your Role -> Process -> Solution -> Impact -> Learnings.

• Visuals: Use clear, high-quality visuals. Show wireframes, user flows, prototypes, and final UI. Annotate key decisions.

• Narrative: Tell a compelling story. Explain the "why" behind your decisions, not just the "what."

• Quantify: Present metrics and outcomes whenever possible. If direct metrics aren't available, discuss how you would measure success.

• Address Constraints: Explicitly discuss how you handled any limitations, especially regulatory or technical ones, in your projects. For this role, highlight any experience with financial products or regulated industries.

• Spanish Integration: If you have relevant visuals or case studies in Spanish, be prepared to present them or discuss them.

• Engage: Be prepared for questions and discussion. Treat it as a collaborative problem-solving session.

📝 Enhancement Note: The interview process will heavily focus on practical application, problem-solving within constraints, and cultural fit. Candidates should prepare to demonstrate not just design skills but also an operational mindset, an understanding of the fintech domain, and comfort with ambiguity and rapid iteration. Highlighting experience with regulated products or conversational interfaces will be a significant advantage.

📌 Application Steps

To apply for this Product Designer, Credit position:

• Submit your application through the provided link: Ensure all required fields are completed accurately.

• Curate Your Portfolio: Select 2-3 of your strongest end-to-end case studies. Prioritize those showcasing complex flows, user research, visual/interaction design craft, and ideally, experience with financial products or conversational interfaces. Ensure your portfolio is polished, easily navigable, and clearly articulates your process and impact.

• Tailor Your Resume: Highlight experience directly relevant to the requirements: 4+ years in product design, Figma proficiency, mobile product shipping, research experience, and Spanish/English fluency. Use keywords from the job description.

• Prepare Your Case Studies: Be ready to present your portfolio walkthrough, focusing on your role, process, challenges, solutions, and measurable outcomes. Practice articulating your design decisions and how you navigated constraints.

• Research Félix: Understand their mission, target audience, current products (especially remittances and credit), and company culture. Be prepared to discuss why you are passionate about their work.

⚠️ 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.