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: September 10, 2026

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

Remote Status: Hybrid

🚀 Role Summary

• Design and deliver end-to-end user experiences for credit products within an AI-native, conversational interface, focusing on accessibility and user trust.

• Drive product strategy and execution for credit offerings, from initial concept through to launch and iteration, ensuring seamless integration with existing financial services.

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

• Contribute to shaping the design system and advocating for best practices in product design within a growing fintech startup.

• Leverage AI tools and user research to inform design decisions, balance usability with regulatory constraints, and ensure the product meets user needs for financial advancement.

📝 Enhancement Note: While the input job title is "Product Designer, Credit," the role's responsibilities heavily involve the operational aspects of financial product delivery, particularly within a regulated fintech environment. This includes designing for compliance, risk management, and user trust, which are critical operational considerations in financial services. The role's focus on AI-native interfaces and user journeys within chat also implies a deep understanding of user-facing operational flows. Therefore, this description will integrate keywords and considerations relevant to operations professionals within a fintech context.

📈 Primary Responsibilities

• Conceptualize, design, and prototype user interfaces and interaction flows for credit products, including loan offers, borrowing, repayment, and transaction history, prioritizing clarity and ease of use for credit-invisible users.

• Design user experiences that seamlessly integrate into a conversational, AI-powered chat interface, addressing challenges related to trust, latency, and user comprehension of financial terms.

• Translate complex legal and risk requirements into clear, actionable design elements and user journeys, treating compliance as a core component of the product experience.

• Conduct user research, including evaluative testing and lightweight discovery, to gather insights and validate design decisions, working collaboratively with Product Managers and researchers.

• Develop and maintain design system components specific to the credit product suite, ensuring consistency with the broader Félix brand and user experience across web and mobile platforms.

• Partner with Engineering and Product Management to define project scope, timelines, and technical feasibility, ensuring timely delivery of high-quality design solutions.

• Contribute to the team's growth by participating in design critiques, hiring processes, and the continuous improvement of design methodologies and tools.

• Define and advocate for the user experience of credit products as Félix expands into native iOS and Android applications, ensuring a cohesive and intuitive experience.

📝 Enhancement Note: The responsibilities listed directly address the operational complexities of launching and managing a credit product within a regulated fintech environment. This includes ensuring compliance, managing user trust, and designing for specific user segments (credit-invisible). The emphasis on conversational AI and mobile expansion highlights the operational need for adaptable and user-centric design that can scale across different platforms and interaction models.

🎓 Skills & Qualifications

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

Experience: 4+ years of experience designing consumer-facing digital products, with a demonstrated ability to manage end-to-end UX design processes for complex features or products.

Required Skills:

• Proven expertise in interaction design, visual design, and end-to-end UX design for consumer products.

• High level of craft in pixel-perfect visual design and intuitive interaction design.

• Native or near-native fluency in Spanish and advanced proficiency in English for effective communication with users and internal teams.

• Deep proficiency with Figma for design, prototyping, and collaboration.

• Experience shipping at least two mobile products from concept to completion.

• Fluency in conducting user research, including evaluative testing and discovery methodologies, and the ability to synthesize findings into actionable design improvements.

• Familiarity with AI as a creative and functional tool in product design (e.g., Cursor, Claude Code/Design, Codex).

• Strong ability to articulate design decisions, justify tradeoffs, and present work to diverse stakeholders, including non-designers.

• High tolerance for working within strict regulatory and risk constraints, integrating these as design materials.

• Comfort operating in a fast-paced, ambiguous environment with a focus on shipping quickly and working transparently.

• Excellent communication, feedback incorporation, and collaboration skills.

• A portfolio link is mandatory for consideration. Preferred Skills:

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

• Experience designing for conversational AI products or platforms.

• Understanding of cross-border financial services and remittance products.

📝 Enhancement Note: The experience and skills are tailored to a mid-senior level designer who can operate independently and contribute strategically. The emphasis on Spanish fluency, regulatory constraints, and AI integration points to specific operational challenges and opportunities within the fintech credit space. The requirement for a portfolio underscores the need for candidates to demonstrate practical application of these skills, particularly in areas like process optimization and user-centric product development.

📊 Process & Systems Portfolio Requirements

Portfolio Essentials:

• Showcase end-to-end product design projects demonstrating a clear understanding of user needs, problem framing, and solution development.

• Include case studies that highlight your role in defining product strategy, designing user flows, creating wireframes and high-fidelity mockups, and prototyping interactive experiences.

• Present projects that demonstrate your ability to work within constraints, such as regulatory requirements, technical limitations, or specific platform guidelines (e.g., conversational AI, mobile).

• Feature examples of user research, usability testing, and how you incorporated feedback to iterate and improve designs.

• Clearly articulate the impact of your design decisions, ideally with quantifiable results or insights gained. Process Documentation:

• Demonstrate an ability to document design processes, including user journey mapping, workflow diagrams, and interaction specifications, particularly for complex financial transactions.

• Provide examples of how you have collaborated with Product Managers and Engineers to define and refine product requirements and operational workflows.

• Show an understanding of how to integrate compliance and risk management into the design and development lifecycle, ensuring that operational procedures align with regulatory mandates.

• Illustrate how you have contributed to or utilized a design system to ensure consistency and efficiency in product development.

📝 Enhancement Note: This section emphasizes the need for a portfolio that not only showcases design aesthetics but also operational thinking. Candidates must be able to demonstrate how they approach complex, regulated products, manage user trust, and work within a structured, albeit fast-paced, development process. The ability to document processes and integrate compliance is a key operational requirement for this role.

💵 Compensation & Benefits

Salary Range: Based on industry benchmarks for Product Designers with 4+ years of experience in Miami, FL, and considering the Series C funding and specialized fintech domain, an estimated salary range for this role is $120,000 - $160,000 annually.

Benefits:

• Competitive salary reflective of experience and market value.

• Initial stock options grant, providing equity in a hyper-growth company.

• Annual performance bonus, tied to individual and company success.

• Comprehensive health, dental, and vision insurance plans for employees and dependents.

• Continuous learning opportunities, including access to training, conferences, and professional development resources.

• Unlimited Paid Time Off (PTO), encouraging a healthy work-life balance.

• Paid parental leave to support new parents.

• Opportunities for significant professional growth and leadership development within a dynamic startup environment.

Working Hours: The standard work week is 40 hours. While the environment is async-first, core collaboration hours may be established to facilitate team alignment, with flexibility generally provided.

📝 Enhancement Note: The salary range is estimated based on typical compensation for mid-to-senior level Product Designers in a major tech hub like Miami, considering the fintech industry and the company's funding stage. The benefits are detailed as provided in the input, with emphasis on aspects particularly valuable to professionals in high-growth tech environments. The working hours note highlights the balance between async work and potential core collaboration times, which is an operational consideration for team productivity.

🎯 Team & Company Context

🏢 Company Culture

Industry: Fintech, Financial Services, AI, Cross-border Payments, Credit. Félix operates at the intersection of cutting-edge technology and essential financial services, aiming to disrupt traditional banking and remittance markets by serving an underserved demographic.

Company Size: Series C, implying a company that has scaled significantly beyond its early stages, likely with 100-300 employees. This size suggests a structured organization with established processes but still retains a startup's agility and growth mindset.

Founded: Félix was founded with a mission to serve Latinos in the US, indicating a customer-centric approach deeply rooted in understanding and addressing the financial needs of a specific community. This mission drives the company's product development and operational priorities.

Team Structure:

• The design team is likely structured to support product pods or feature teams, with designers paired directly with Product Managers and Engineering leads.

• The Credit team operates in a highly collaborative, async-first environment, fostering rapid decision-making and lightweight process.

• Designers are expected to work closely with a lead credit designer and report into a Head of Product Design, ensuring both specialized guidance and broader team integration. Methodology:

• Data Analysis & Insights: Emphasis on using user research and product analytics to inform design decisions and measure impact.

• Workflow Planning & Optimization: Focus on efficient, agile processes with lightweight structure, encouraging fast iteration and decision-making.

• Automation & Efficiency: Leveraging AI and technology to streamline operations and enhance user experiences, particularly within the conversational interface.

Company Website: https://felixpago.com/

📝 Enhancement Note: The company context highlights Félix's mission-driven culture and its position as a hyper-growth fintech. The operational implications include a need for adaptable processes, strong cross-functional collaboration, and a deep understanding of the target user base. The company size suggests a balance between established processes and the agility required for rapid innovation.

📈 Career & Growth Analysis

Operations Career Level: This role is positioned as a mid-level to senior Product Designer with significant ownership over a critical product area (Credit). It offers the opportunity to influence product strategy, shape user experiences for a vital financial service, and contribute to the operational success of a regulated product. The role demands a blend of high-level strategic thinking and detailed execution.

Reporting Structure: The designer will work closely with a Lead Credit Designer and report to the Head of Product Design. They will be paired directly with the Credit Product Manager, indicating a collaborative, cross-functional reporting dynamic focused on product delivery.

Operations Impact: The Credit product is a strategic expansion for Félix, moving beyond remittances to offer essential financial services like loans and credit. The designer's work will directly impact the company's ability to serve its mission, expand its product portfolio, and generate new revenue streams, making it a crucial role for the company's operational and financial growth.

Growth Opportunities:

• Operations Skill Advancement: Deepen expertise in designing for regulated financial products, understanding compliance, risk management, and building user trust in high-stakes transactions.

• Product Leadership: Progress to a Senior Product Designer role, leading design initiatives for larger product areas, or potentially moving into a Lead Designer position within the credit domain or other product lines.

• Cross-Functional Influence: Develop strong partnerships with Product, Engineering, Legal, and Risk teams, gaining a holistic understanding of product development and operational execution in fintech.

• Design System Contribution: Play a key role in evolving and expanding the design system, influencing design consistency and efficiency across the organization.

• AI Integration Expertise: Gain hands-on experience leveraging AI as a design partner, becoming proficient in new tools and methodologies shaping the future of product design.

📝 Enhancement Note: This section frames the role's potential not just as a design position but as a strategic operational role within a fintech company. It highlights how design decisions directly impact business outcomes and offers clear paths for career progression and skill development relevant to operations professionals aiming for leadership or specialized roles.

🌐 Work Environment

Office Type: The company is transitioning from a fully remote model to a hybrid setup. This suggests an evolving workspace that aims to balance the benefits of remote work with the advantages of in-person collaboration.

Office Location(s): While the role is currently remote, the future hybrid model implies the existence of a physical office, likely in or near Miami, Florida, given the company's operational focus and the derived location. This would offer opportunities for in-person team interactions, brainstorming sessions, and access to office amenities.

Workspace Context:

• Collaborative Environment: The move to hybrid work indicates a desire to foster stronger team cohesion and collaborative problem-solving, essential for complex product development in fintech.

• Operations Tools & Technology: Designers will have access to industry-standard design tools like Figma, along with AI design assistants, and will work within collaborative platforms that support async communication and project management.

• Team Interaction: Opportunities for regular interaction with Product Managers, Engineers, Lead Designers, and other cross-functional stakeholders through virtual meetings, design reviews, and potentially in-person gatherings as part of the hybrid model.

Work Schedule: The environment is described as async-first, promoting flexibility in daily schedules. However, collaboration may necessitate adherence to certain core hours for meetings and synchronous communication, especially as the company transitions to a hybrid model. This requires strong time management and proactive communication skills.

📝 Enhancement Note: The work environment description focuses on the operational aspects of how the team collaborates and functions. The transition to hybrid work implies a need for structured communication protocols and a balance between individual focused work and team-based collaboration, which are key operational considerations for managing distributed and hybrid teams in a fast-paced tech company.

📄 Application & Portfolio Review Process

Interview Process:

• Initial Screening: A review of your resume and portfolio to assess qualifications, experience, and alignment with the role's requirements.

• Portfolio Presentation & Design Challenge: A session where you'll present your portfolio, discussing your process, design rationale, and impact. This may be followed by a design exercise or case study related to credit product design within a conversational context, assessing your problem-solving skills and approach to constraints.

• Team & Stakeholder Interviews: Interviews with Product Managers, Engineers, and potentially other designers or leadership to evaluate your collaboration style, communication skills, and cultural fit within Félix's mission-driven and fast-paced environment.

• Final Interview: Likely with the Head of Product Design or a senior leader to discuss strategic alignment, career aspirations, and overall fit.

Portfolio Review Tips:

• Showcase End-to-End Ownership: Highlight projects where you took ownership from problem identification through to launch and iteration, demonstrating your ability to navigate the entire product lifecycle.

• Focus on Impact & Rationale: For each project, clearly articulate the problem you were solving, your design process, the trade-offs you made, and the impact your design had. Quantify results where possible.

• Demonstrate Constraint Management: Explicitly show how you addressed challenges like regulatory compliance, AI integration, or designing for a conversational interface. This is crucial for a credit product role.

• Tailor to Félix: Emphasize projects that showcase your ability to design for underserved communities, financial products, or AI-driven experiences. Highlight your Spanish language proficiency and comfort with ambiguity.

• Clarity and Conciseness: Structure your portfolio for easy navigation and ensure your explanations are clear, concise, and focused on delivering value.

Challenge Preparation:

• Understand the Context: Familiarize yourself with Félix's mission, target audience, and existing products. Research the unique challenges of designing financial products, especially credit, within a conversational AI framework.

• Practice Articulating Trade-offs: Be ready to discuss difficult design decisions, why you made them, and how you balanced competing priorities (e.g., user experience vs. compliance, speed vs. perfection).

• Prepare for AI & Conversational Design Questions: Think about how AI can be leveraged as a design partner and how to create effective user experiences within chat interfaces, especially for sensitive financial topics.

• Showcase Collaboration Skills: Be ready to discuss how you work with cross-functional teams, incorporate feedback, and contribute to a team's culture.

📝 Enhancement Note: This section provides actionable advice for candidates applying to this specific role, emphasizing the critical need to demonstrate operational understanding of financial products, regulatory environments, and user-centric design within a complex technical context. The portfolio and challenge preparation advice are tailored to highlight the unique aspects of this fintech product design role.

🛠 Tools & Technology Stack

Primary Tools:

• Figma: The core tool for UI design, prototyping, and collaboration. Proficiency is essential for creating high-fidelity mockups, interactive prototypes, and contributing to the design system.

• AI Design Assistants: Tools like Cursor, Claude Code/Design, and Codex are expected to be used to augment the design process, not replace it. Familiarity with leveraging AI for ideation, code generation, or design pattern suggestions is a plus.

Analytics & Reporting:

• While not directly a design tool, an understanding of how product analytics are used to measure user behavior and product performance is important. This may involve familiarity with tools like Amplitude, Mixpanel, or similar platforms used for tracking user engagement and conversion rates. CRM & Automation:

• Not directly applicable to the designer's primary toolset, but an awareness of how CRM systems and automated workflows impact the user journey and business operations can be beneficial. The role operates within a system that likely uses automation for customer interactions and financial processing. Other Potential Tools:

• Prototyping Tools: Beyond Figma, other prototyping tools might be used for specific needs.

• User Research Platforms: Tools for conducting remote user interviews and usability testing.

• Project Management Tools: Such as Jira, Asana, or Trello, for tracking tasks and project progress.

📝 Enhancement Note: This section details the expected technical proficiency, focusing on design tools and AI assistants. The inclusion of analytics and CRM awareness highlights the operational context of the role, where design decisions have tangible impacts on business metrics and user journeys managed by other systems.

👥 Team Culture & Values

Operations Values:

• Customer Obsession: A deep commitment to understanding and serving the needs of Latino communities in the US, ensuring financial products are accessible, trustworthy, and beneficial.

• Urgency and Focus: A drive to execute quickly and efficiently, prioritizing tasks that deliver maximum impact and align with the company's growth objectives.

• Extreme Ownership: Taking full responsibility for one's work and its outcomes, proactively identifying and solving problems to ensure project success and operational integrity.

• Collaboration Without Ego: Fostering an environment of open communication, mutual respect, and constructive feedback, where team members work together to achieve common goals.

• Aiming for Insanely Great: A commitment to high standards, pushing boundaries, and striving for excellence in all aspects of product development and operational execution.

• Insatiable Curiosity: A continuous drive to learn, experiment, and innovate, staying ahead of industry trends and exploring new solutions to better serve users.

Collaboration Style:

• Async-First: Emphasis on clear, written communication and well-documented decisions to facilitate collaboration across different time zones and working styles.

• Lightweight Process: A preference for agile methodologies with minimal bureaucracy, enabling rapid iteration and decision-making.

• Radical Transparency: Open sharing of information, progress, and challenges to build trust and ensure alignment across teams.

• Cross-Functional Integration: Close partnership between Design, Product, Engineering, Legal, and Risk to ensure a holistic approach to product development and operational delivery.

📝 Enhancement Note: The culture section emphasizes values that directly influence operational execution. "Extreme Ownership," "Urgency and Focus," and "Collaboration Without Ego" are critical for a fast-paced fintech environment. The "Async-First" and "Lightweight Process" aspects define the operational rhythm of the team, impacting how work is managed and delivered.

⚡ Challenges & Growth Opportunities

Challenges:

• Designing for Trust in a Regulated Space: Balancing user-friendliness with stringent legal and risk requirements in credit products, ensuring users feel confident and secure.

• Bridging the Digital Divide: Designing for users who may have limited experience with digital financial products or conversational AI, requiring clear, accessible, and intuitive interfaces.

• AI Integration Nuances: Effectively using AI as a design partner without compromising user experience or operational integrity, ensuring AI-driven features are reliable and beneficial.

• Navigating Ambiguity and Speed: Thriving in a dynamic startup environment where priorities can shift rapidly and decisions are made quickly, requiring adaptability and resilience.

• Maintaining Brand Consistency: Ensuring the credit product experience aligns with the overall Félix brand, particularly as it expands across different product lines and platforms.

Learning & Development Opportunities:

• Fintech & Regulatory Expertise: Gaining in-depth knowledge of financial regulations, credit scoring, lending practices, and risk management within the fintech sector.

• Conversational AI Design: Developing advanced skills in designing for AI-powered conversational interfaces, understanding their unique UX challenges and opportunities.

• Cross-Functional Leadership: Enhancing collaboration and communication skills by working closely with diverse teams, understanding their operational perspectives.

• Product Strategy Influence: Contributing to the strategic direction of Félix's credit product roadmap and the broader company vision.

• Design System Evolution: Playing a key role in building and scaling a robust design system that supports rapid product development and ensures a consistent user experience.

📝 Enhancement Note: This section highlights the operational challenges inherent in a fintech credit product role, such as regulatory compliance and user trust. The growth opportunities are framed around acquiring specialized knowledge and skills that are highly valuable in the operations and product development spheres of the financial technology industry.

💡 Interview Preparation

Strategy Questions:

• "Describe a time you had to design a financial product within significant regulatory constraints. How did you balance user needs with compliance requirements?" (Assesses understanding of regulated product operations)

• "How would you approach designing a credit offer and repayment flow within a chat interface, considering user trust and potential for misunderstanding?" (Tests design thinking for conversational AI and financial products)

• "Walk us through a project where you used user research to inform a significant design decision. What was the outcome, and how did you measure its impact?" (Evaluates research methodology and impact assessment) Company & Culture Questions:

• "What interests you about Félix's mission to serve Latino communities in the US? How do you see your design skills contributing to this mission?" (Assesses cultural alignment and mission understanding)

• "Describe your experience working in a fast-paced, async-first environment. How do you ensure effective collaboration and timely delivery of work?" (Probes adaptability and collaboration style)

• "How do you approach incorporating feedback from non-designers, such as Product Managers or engineers, into your design process?" (Tests collaboration and communication skills) Portfolio Presentation Strategy:

• Tell a Story: For each case study, frame it as a narrative: the problem, your process, the challenges, your solutions, and the impact.

• Highlight Operational Considerations: Explicitly discuss how you factored in compliance, risk, AI integration, and user trust into your design decisions.

• Showcase Figma Proficiency: Be prepared to walk through interactive prototypes or key design elements within Figma to demonstrate your craft and workflow.

• Quantify Impact: Whenever possible, present metrics or insights that demonstrate the success of your designs, such as improved conversion rates, reduced errors, or increased user engagement.

• Be Ready for Whiteboarding/Design Exercises: Prepare to sketch out ideas or solve a hypothetical design problem on the spot, demonstrating your on-the-fly problem-solving and communication skills.

📝 Enhancement Note: The interview preparation advice is geared towards helping candidates demonstrate not just design skills but also an understanding of the operational realities of working in fintech, particularly with regulated products and AI-driven interfaces. It emphasizes strategic thinking and the ability to articulate complex processes and decisions.

📌 Application Steps

To apply for this Product Designer, Credit position:

• Submit your application through the provided link on jobs.gem.com.

• Customize Your Resume: Tailor your resume to highlight experience in product design, consumer-facing applications, financial products, conversational AI, and Spanish language proficiency. Use keywords from the job description to ensure ATS compatibility.

• Curate Your Portfolio: Select 2-3 strong case studies that best showcase your end-to-end design process, problem-solving skills, and experience with complex or regulated products. Ensure your portfolio clearly articulates your role, process, and the impact of your work, with a specific focus on credit or financial services if possible.

• Prepare Your Presentation: Practice presenting your portfolio case studies, focusing on the "why" behind your design decisions, the trade-offs you made, and the operational considerations you addressed. Be ready to discuss your experience with Figma and AI design tools.

• Research Félix: Understand the company's mission, target audience, and recent funding rounds. Be prepared to articulate why you are passionate about their work and how your skills align with their values and goals.

⚠️ 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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