Product Designer, Credit

📍 Job Overview

Job Title: Product Designer, Credit

Company: Felix Technologies, Inc.

Location: Miami, Florida, USA

Job Type: Full-Time

Category: Product Design / Fintech Operations

Date Posted: 2026-09-10

Experience Level: Mid-Level (2-5 years)

Remote Status: Remote (with future hybrid transition)

🚀 Role Summary

• Design and own end-to-end user experiences for credit products within a conversational AI-native platform, focusing on expanding credit access for underserved communities.

• Collaborate closely with Product Managers, Engineering, and Legal/Risk teams in an async-first, fast-paced environment to translate complex financial concepts into intuitive user flows.

• Leverage AI tools as creative partners to enhance design craft and efficiency, while rigorously applying user research and evaluative testing to ground decisions in evidence.

• Contribute to the development of a cohesive design system and influence team hiring and critique processes, embodying a high bar for craft and strategic thinking.

📝 Enhancement Note: While the title is "Product Designer," the responsibilities and context heavily lean into the operations of financial products, particularly credit. The role requires a deep understanding of regulated products, user trust, and the practical application of design within a chat interface for financial transactions, which aligns with the operational rigor expected in fintech. The "operations" aspect is embedded in managing the lifecycle of a credit product from an end-user experience perspective, including compliance, risk, and repayment, within a technology platform.

📈 Primary Responsibilities

• Design intuitive and accessible borrowing flows, disclosure experiences, repayment schedules, and transaction histories for credit products, ensuring users understand terms and can manage their debt confidently.

• Develop interaction and visual patterns for a conversational, AI-native medium, addressing challenges related to trust, latency, and user comprehension within chat interfaces.

• Integrate legal and risk compliance requirements seamlessly into the product experience, treating them as core design materials rather than afterthoughts.

• Conduct user research, including evaluative testing and lightweight discovery, to inform design decisions and iterate on product features, working closely with PMs and potentially dedicated researchers.

• Ensure the credit product experience remains consistent with the broader Félix brand and conversational-first ethos, maintaining a unified user journey across all products.

• Contribute to the evolution of the design system, including visual elements, interaction patterns, and documentation, to support scalability and consistency.

• Actively participate in team critiques, provide constructive feedback on peers' work, and contribute to shaping hiring processes and team culture.

• Partner with product and engineering teams to translate design concepts into shipped features, managing timelines and trade-offs effectively.

📝 Enhancement Note: The responsibilities highlight a blend of core product design and a strong operational focus on regulated financial products. "Treat compliance as a design material" and "design for a conversational, AI-native medium" are critical operational considerations for this role. The emphasis on "widen credit access for underserved users" points to a strategic operational goal with direct user impact.

🎓 Skills & Qualifications

Education: While no specific degree is listed, a strong portfolio demonstrating equivalent competencies in design principles and execution is expected.

Experience:

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

• Demonstrated ability to operate across strategic, interaction, and visual design levels, with a strong portfolio showcasing craft and problem-solving.

• Experience designing for mobile platforms (iOS and Android), with at least two full mobile products shipped end-to-end. Required Skills:

• Product Design: End-to-end ownership of user experience design for consumer products.

• Visual & Interaction Design: High craft standards in creating visually appealing and functionally sound interfaces.

• Figma Fluency: Advanced proficiency in Figma for design, prototyping, and collaboration.

• User Research Fluency: Ability to conduct evaluative testing and lightweight discovery, and to collaborate effectively with researchers.

• Conversational AI Design: Experience or understanding of designing for chat-based interfaces and AI-driven interactions.

• Bilingual Proficiency: Native or near-native Spanish and advanced English communication skills.

• Compliance & Risk Awareness: Ability to integrate regulatory requirements into design, with a high tolerance for constraints.

• Agile & Fast-Paced Environments: Comfort working with speed, ambiguity, and an async-first methodology.

Preferred Skills:

• Experience in lending, credit, banking, or other regulated financial domains.

• Experience with conversational AI products and their unique design challenges.

• Familiarity with AI design tools like Cursor, Claude Code, Claude Design, or Codex for amplifying design craft.

• Experience in developing or contributing to design systems.

📝 Enhancement Note: The requirement for bilingual proficiency (Spanish/English) is a critical operational element for serving the target user demographic effectively. The emphasis on "AI as a creative partner" and "AI-native medium" points to a forward-thinking operational approach to product development.

📊 Process & Systems Portfolio Requirements

Portfolio Essentials:

• Demonstrate end-to-end design ownership for at least two shipped mobile products, showcasing your journey from concept to launch.

• Include case studies that highlight your ability to solve complex problems, particularly within consumer finance or regulated product spaces.

• Showcase your visual design and interaction design craft with high-fidelity mockups and prototypes.

• Present examples of how you've incorporated user research and data to inform design decisions and iterate on solutions.

• Highlight your proficiency with Figma, including complex prototyping and component-based design.

• Include examples of how you've managed design constraints, such as regulatory requirements or technical limitations. Process Documentation:

• Illustrate your process for conducting user research, including discovery and evaluative testing methodologies.

• Detail your approach to translating user needs and business requirements into clear user flows and wireframes.

• Provide examples of how you've collaborated with product managers and engineers throughout the design and development lifecycle.

• Showcase your understanding of design system principles and how you've contributed to or utilized design systems.

📝 Enhancement Note: Given the regulated nature of credit products, the portfolio should ideally showcase an understanding of compliance considerations within design. The ability to articulate process, especially research and collaboration, is key to demonstrating operational readiness.

💵 Compensation & Benefits

Salary Range: Based on industry benchmarks for Product Designers with 4+ years of experience in major US tech hubs and the fintech sector, a competitive salary range for this role in Miami, Florida, could be estimated between $110,000 - $150,000 annually. This estimate considers the company's Series C funding, the role's end-to-end ownership, and the specialized domain of credit and AI.

Benefits:

• Competitive Salary: A strong base compensation package.

• Initial Stock Options Grant: Opportunity for equity ownership in a hyper-growth company.

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

• Comprehensive Health Plans: Including medical, dental, and vision insurance.

• Continuous Learning Opportunities: Support for professional development and skill enhancement.

• Unlimited Paid Time Off (PTO): Flexible approach to time off, promoting work-life balance.

• Paid Parental Leave: Support for new parents.

• Work Model: Currently fully remote, with a planned transition to a hybrid setup in the future.

• Empowering Growth: Opportunities for career advancement within a dynamic startup environment.

Working Hours: While not explicitly stated, a full-time role typically implies around 40 hours per week. The company emphasizes an async-first environment, suggesting flexibility in scheduling, but core collaboration hours may apply, especially during the future hybrid phase.

📝 Enhancement Note: The salary range is an estimate based on typical compensation for mid-level Product Designers in the US tech industry, adjusted for the fintech sector and location. The inclusion of stock options and performance bonuses is standard for growth-stage startups. The note about a future hybrid setup is crucial for candidates considering long-term work arrangements.

🎯 Team & Company Context

🏢 Company Culture

Industry: Fintech, Financial Services, AI, Cross-border Payments, Credit Lending. Félix operates at the intersection of financial technology, leveraging AI to serve the Latino community in the US with accessible financial tools, starting with remittances and expanding into credit, savings, and wallet services.

Company Size: Hyper-growth Series C company, indicating a significant and rapidly scaling organization. This often means a dynamic, fast-paced environment with evolving processes and a strong emphasis on execution.

Founded: While the founding date isn't explicitly stated, the Series C funding suggests a company that has successfully navigated early-stage growth and is now focused on scaling its operations and product offerings. The company's mission is to empower the Latino community financially.

Team Structure:

• The design team is described as having a "wider design team and Head of Product Design" who stay close to the work, suggesting a supportive structure where individual contributors can maintain visibility and impact.

• This specific role is paired directly with a "lead credit designer" and a "Credit PM" in a highly collaborative, async-first environment. This indicates a focused, cross-functional pod structure for the credit product.

• The company culture emphasizes high-performers united by a shared obsession with empowering customers, a bias for action, and a true experimentation spirit. Methodology:

• Data-Driven Decisions: Grounding design decisions in evidence through evaluative testing and lightweight discovery.

• Experimentation Spirit: A core value, encouraging quick iteration and learning.

• Async-First Collaboration: Lightweight process and fast decision-making, promoting efficiency and autonomy.

• Conversational-First Interface: A unique methodological approach to product interaction, particularly for financial services.

Company Website: https://felixpago.com/

📝 Enhancement Note: The company's focus on serving the Latino community and its mission-driven approach are core cultural elements. The "hyper-growth" status implies a culture that values speed, adaptability, and a willingness to build and iterate rapidly.

📈 Career & Growth Analysis

Operations Career Level: This role represents a mid-level Product Designer position with significant ownership. While titled "Product Designer," the responsibilities within a regulated financial product like credit, involving compliance, risk, and user trust, place it in a domain that requires deep operational understanding. The opportunity to "own real surface area on that product, end to end" and "widen credit access" signifies a substantial impact potential.

Reporting Structure: You will work shoulder-to-shoulder with a lead credit designer and be paired directly with the Credit PM. The Head of Product Design and the wider design team remain involved. This structure offers both focused collaboration within a product pod and broader mentorship and oversight from senior design leadership.

Operations Impact: The role has a direct impact on expanding financial inclusion for underserved users by providing access to credit. The design decisions made will influence user trust, financial well-being, and the company's ability to scale its credit offerings responsibly. This is a critical operational function within the fintech space, directly affecting revenue potential and customer lifetime value.

Growth Opportunities:

• Domain Specialization: Deepen expertise in credit lending, regulated financial products, and conversational AI design within a high-growth fintech environment.

• Leadership Potential: Opportunity to influence the design system, team processes, and potentially grow into a lead role for credit design or other product areas as the company scales.

• Skill Expansion: Develop skills in AI-assisted design, complex stakeholder management (legal, risk), and designing for diverse user needs within a specific cultural demographic.

• Career Advancement: Potential to move into senior design roles, product management, or leadership positions within Félix, given its hyper-growth trajectory.

📝 Enhancement Note: The growth potential is significant due to the company's stage and the critical nature of the credit product. The role offers a unique opportunity to blend core design skills with operational expertise in a highly regulated and impactful domain.

🌐 Work Environment

Office Type: Currently fully remote, with a future transition to a hybrid setup. This suggests a commitment to flexibility while acknowledging the benefits of in-person collaboration as the company matures.

Office Location(s): While the role is remote, the derived location is Miami, Florida. This may indicate a future hub for hybrid work or simply the company's headquarters. Candidates should be aware of the potential for future hybrid requirements.

Workspace Context:

• Async-First Collaboration: The environment is designed for efficient remote work, with lightweight processes and fast decision-making, reducing reliance on constant synchronous meetings.

• Cross-Functional Integration: Close collaboration with Product Managers and Engineers is central to the workflow, fostering a team-oriented approach to product development.

• AI-Augmented Tools: Access to and expectation of using AI tools for design amplification, indicating a tech-forward workspace.

• Supportive Design Team: Proximity to the Head of Product Design and wider design team provides mentorship and a forum for creative exchange.

Work Schedule: While a standard 40-hour work week is typical for full-time roles, the async-first nature suggests a degree of flexibility in managing one's schedule, provided deadlines and collaborative needs are met.

📝 Enhancement Note: The transition from fully remote to hybrid is a key environmental factor. Candidates should clarify expectations regarding the future hybrid model, including potential frequency of office visits and location requirements.

📄 Application & Portfolio Review Process

Interview Process:

• Initial Application Review: Focus on your resume and portfolio. Ensure your portfolio clearly demonstrates your end-to-end design process, problem-solving skills, craft, and impact, with specific case studies relevant to consumer products and ideally financial services.

• Portfolio Presentation / Design Challenge: You will likely present your portfolio to the hiring team, discussing your process, decisions, and outcomes. A design challenge, possibly focused on a credit-related scenario within a chat interface, may be part of this stage. Be prepared to articulate your thought process, trade-offs, and how you would approach the problem.

• Cross-Functional Interviews: Interviews with Product Management, Engineering, and potentially Legal/Risk stakeholders to assess collaboration style, technical understanding, and fit within the credit product pod.

• Final Interviews: Discussions with senior leadership, potentially the Head of Product Design, to assess strategic thinking, cultural fit, and long-term potential.

Portfolio Review Tips:

• Storytelling: Structure your case studies as narratives, clearly outlining the problem, your role, the process you followed, the solutions you designed, and the measurable impact or learnings.

• Process Emphasis: Detail your design process, especially how you incorporated user research, handled constraints (like compliance), and collaborated with cross-functional teams.

• Craft & Polish: Showcase high-quality visuals and interactive prototypes. Ensure your Figma skills are evident.

• Spanish Fluency Demonstration: If possible, include a project or highlight that demonstrates your ability to design for Spanish-speaking users or incorporates bilingual elements.

• AI Tool Usage: If you've used AI design tools, highlight how they enhanced your workflow or creativity, not as a replacement for core design skills.

Challenge Preparation:

• Understand the User: Focus on the needs of underserved Latinos in the US, their financial challenges, and their communication preferences (chat-first).

• Regulatory Awareness: Consider the operational complexities of credit products, including disclosures, risk, and repayment.

• Conversational Design: Think about how to convey complex information and flows naturally within a chat interface.

• Trade-off Articulation: Be ready to discuss design decisions and the trade-offs you made, balancing user experience, business goals, and regulatory compliance.

📝 Enhancement Note: The interview process will likely stress the candidate's ability to balance creative design with the operational realities of a regulated industry and a unique conversational interface. Portfolio emphasis should be on process, impact, and handling constraints.

🛠 Tools & Technology Stack

Primary Tools:

• Figma: Core tool for UI design, prototyping, and collaboration. Deep fluency is explicitly required.

• AI Design Tools: Cursor, Claude Code, Claude Design, Codex (or similar AI assistants) are expected to be used to amplify craft and efficiency.

• Prototyping Tools: Likely integrated within Figma, but may include others for more advanced interactions if needed.

Analytics & Reporting:

• While not explicitly listed for the designer, understanding how to interpret user data from analytics platforms (e.g., Amplitude, Mixpanel, Google Analytics) would be beneficial for informing design decisions. CRM & Automation:

• The company's product itself is a financial platform, likely built on robust backend systems. Designers will interact with PMs and Engineers who manage these. Familiarity with how CRM/financial data flows and impacts user experience is advantageous.

• Communication Platforms: Slack, Notion, or similar tools for async communication and documentation.

📝 Enhancement Note: Proficiency in Figma is a hard requirement. The expectation to use AI design tools signifies a modern, efficiency-focused operational approach to design work.

👥 Team Culture & Values

Operations Values:

• Customer Obsession: A core value is empowering customers, particularly the Latino community, through accessible financial services. This translates to a user-centric operational mindset.

• Bias for Action: A strong emphasis on getting things done with urgency and focus, driving rapid iteration and execution.

• Experimentation Spirit: Encouraging a culture of trying new things, learning quickly from failures, and adapting.

• Ownership: Team members are treated as owners of Félix, fostering accountability and proactive problem-solving.

• Transparency & Openness: The async-first environment and emphasis on sharing work before it's polished suggest a culture of open communication and feedback.

Collaboration Style:

• Async-First: Designed for efficient remote collaboration with lightweight processes and fast decision-making.

• Cross-Functional Pods: Working closely with Product Managers and Engineers in a tightly integrated team structure.

• Open Critique: Welcoming feedback and inviting critique early in the design process to improve work and move the team forward.

• Bilingual Environment: Collaboration naturally occurs in both Spanish and English, reflecting the company's user base and team composition.

📝 Enhancement Note: The culture prioritizes speed, autonomy, and a mission-driven approach. Designers are expected to be proactive, collaborative, and comfortable with ambiguity, contributing to both the product and the team's operational processes.

⚡ Challenges & Growth Opportunities

Challenges:

• Designing for Regulation: Balancing user experience and business goals with strict legal and risk compliance in the credit lending space. This requires a deep understanding of operational constraints.

• Conversational Interface Complexity: Designing intuitive financial flows within a chat interface, managing user trust, error states, and information density effectively.

• Serving Underserved Users: Addressing the unique financial needs and potential credit invisibility of the target demographic, requiring empathy and tailored solutions.

• Balancing Speed and Craft: Operating in a fast-paced startup environment while maintaining a high bar for design quality and strategic thinking.

• Future Hybrid Transition: Adapting to a new work model after an extended period of remote operation.

Learning & Development Opportunities:

• Fintech & Credit Specialization: Gaining deep expertise in a high-demand sector of the financial industry.

• AI-Assisted Design: Mastering the use of AI tools to enhance design productivity and creativity.

• Cross-Functional Leadership: Developing strong collaboration and communication skills with Product, Engineering, Legal, and Risk teams.

• Design System Contribution: Influencing and expanding a design system within a rapidly growing company.

• Career Acceleration: Opportunities for rapid advancement in a hyper-growth startup environment.

📝 Enhancement Note: The primary challenges revolve around the operational complexities of regulated financial products and the unique medium of conversational AI. Growth is tied to mastering these challenges and contributing to the company's scaling efforts.

💡 Interview Preparation

Strategy Questions:

• "How would you approach designing a borrowing flow for a user who is new to credit in the US, within a WhatsApp chat interface?" (Focus on empathy, clarity, compliance, and conversational design).

• "Describe a time you had to balance user needs with strict regulatory requirements. How did you navigate those constraints in your design process?" (Assess understanding of operational constraints and problem-solving).

• "How do you ensure a consistent user experience across different platforms (chat, native iOS/Android) while maintaining brand identity?" (Evaluate strategic thinking and design system application).

• "Walk us through a project where you used AI tools to enhance your design process. What were the benefits and limitations?" (Assess adoption of new technologies and efficiency). Company & Culture Questions:

• "What interests you most about Félix's mission to serve the Latino community in the US?" (Gauge cultural alignment and passion for the mission).

• "How do you approach collaboration in an async-first, fast-paced environment? What are your strategies for effective remote teamwork?" (Assess fit with company's operational style).

• "How do you handle constructive criticism or feedback on your designs?" (Evaluate openness to critique and team collaboration). Portfolio Presentation Strategy:

• Focus on Impact: Quantify the impact of your designs whenever possible (e.g., increased conversion, reduced errors, improved user satisfaction).

• Highlight Process: Clearly articulate your design process for each case study, emphasizing how you addressed user needs, solved problems, and handled constraints.

• Showcase Craft: Present high-fidelity mockups and interactive prototypes that demonstrate your visual and interaction design skills.

• Demonstrate Bilingualism: If applicable, use a case study that showcases your ability to design for a Spanish-speaking audience or integrate bilingual elements.

• Address AI Usage: Briefly explain how AI tools supported your work, without overstating their role.

📝 Enhancement Note: Interview preparation should focus on demonstrating a strong understanding of user-centered design principles, the operational nuances of fintech, and the ability to thrive in a fast-paced, async-first environment.

📌 Application Steps

To apply for this Product Designer position:

• Submit your application through the provided link, ensuring your resume and portfolio are up-to-date and tailored to the role.

• Curate Your Portfolio: Select 2-3 of your strongest case studies that best highlight your end-to-end product design experience, problem-solving skills, and craft, with a preference for consumer-facing or financial products. Ensure each case study clearly outlines the problem, your role, process, solution, and impact.

• Optimize Your Resume: Highlight your 4+ years of experience, specific skills (Figma, user research, interaction/visual design), bilingual proficiency, and any relevant fintech or regulated product experience. Use keywords from the job description.

• Prepare Your Portfolio Presentation: Practice walking through your case studies, focusing on storytelling, your design process, how you handled constraints (like compliance), and the impact of your work. Be ready to discuss your approach to conversational AI and serving underserved users.

• Research Félix: Thoroughly understand Félix's mission, target audience, product offerings (especially remittances and credit), and company values. Be prepared to articulate why you are a strong fit for their culture and mission.

⚠️ 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.

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