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: 2026-09-10

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

Remote Status: Fully Remote (with future hybrid transition)

🚀 Role Summary

• Design user-centric credit products within an AI-powered, conversational-first financial platform, focusing on extending credit access to underserved Latino communities in the US.

• Develop end-to-end user experiences for credit offerings, including borrowing flows, disclosures, repayment, and transaction history, across chat, iOS, and Android interfaces.

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

• Conduct user research, evaluative testing, and lightweight discovery to inform design decisions and ensure products meet user needs and business objectives.

📝 Enhancement Note: While the title is "Product Designer, Credit," the responsibilities and company mission strongly indicate a role that intersects with operational aspects of financial products, particularly in how credit is accessed, managed, and regulated. This role requires not just design craft but also an understanding of the operational implications of financial services, especially within a regulated environment. The emphasis on AI and conversational interfaces also points to a need for innovative operational delivery of financial services.

📈 Primary Responsibilities

• Design and iterate on user flows for credit applications, loan origination, repayment schedules, and transaction history, ensuring clarity and ease of use for credit-invisible users.

• Craft engaging and compliant user interfaces for credit offers, disclosures, and terms, specifically within a chat-based environment that will extend to native mobile applications.

• Collaborate closely with Product Managers, Legal, and Risk teams to translate complex regulatory requirements and risk mitigation strategies into intuitive user experiences.

• Conduct qualitative and quantitative user research, including usability testing, customer interviews, and data analysis, to validate design hypotheses and uncover user needs.

• Partner with engineering teams to ensure the successful implementation of designs, balancing user experience goals with technical feasibility and product timelines.

• Contribute to the evolution of the design system and establish design best practices for the Credit product area, influencing hiring and critique processes.

• Maintain brand consistency and the "Félix" conversational, AI-native feel across all credit product touchpoints.

📝 Enhancement Note: The responsibilities highlight a blend of user experience design and operational execution within a regulated financial product. The emphasis on "design for a conversational, AI-native medium" and "treat compliance as a design material" suggests that operational efficiency and user trust are paramount. The need to "keep Credit feeling like Félix" implies a strong focus on consistent user experience delivery, which is an operational imperative for building brand loyalty.

🎓 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 products with a strong emphasis on visual and interaction design, and end-to-end UX ownership.

Required Skills:

• Product Design: Proven ability to design complex consumer products from concept to launch, demonstrating a high bar for craft and end-to-end UX ownership.

• Visual & Interaction Design: Expertise in creating visually appealing and intuitive user interfaces and seamless interaction patterns.

• UX Research: Fluency in conducting evaluative testing, user discovery, and leveraging research insights to inform design decisions.

• Figma Proficiency: Deep expertise in Figma for design, prototyping, and collaboration.

• Mobile Product Design: Experience shipping at least two mobile products end-to-end.

• Language Proficiency: Native or near-native Spanish and advanced English proficiency for effective communication with users and internal teams.

• AI Collaboration: Familiarity with using AI tools (e.g., Cursor, Claude Code, Claude Design) to enhance design craft.

• Constraint Management: Ability to design effectively within strict legal, risk, and technical constraints.

• Communication: Clear, concise communication skills, with the ability to invite critique and share work openly.

Preferred Skills:

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

• Experience designing for conversational AI products.

• Familiarity with crypto rails for financial infrastructure.

📝 Enhancement Note: The requirement for Spanish and English fluency, alongside experience in regulated financial products, is crucial for this role. It signifies the operational need to cater to specific user demographics and navigate complex compliance landscapes. The emphasis on AI tools also points to an evolving operational methodology where technology augments human creativity and efficiency.

📊 Process & Systems Portfolio Requirements

Portfolio Essentials:

• Case Studies: Showcase at least two end-to-end mobile product design projects, detailing the problem, your process, design solutions, and quantifiable outcomes.

• Credit Product Experience: Include examples demonstrating experience with financial products, lending flows, or regulated user experiences, even if not directly credit-related.

• Conversational Design: Showcase any work that involves designing for chat interfaces, AI-driven interactions, or messaging platforms.

• Visual & Interaction Craft: Provide examples that highlight your high standards for visual design, UI polish, and interaction detail.

Process Documentation:

• Problem Framing: Demonstrate how you identify and frame design problems, especially within complex domains like credit.

• Research & Validation: Illustrate your process for conducting user research, testing hypotheses, and iterating based on feedback.

• Cross-Functional Collaboration: Show how you collaborate with Product Managers, Engineers, Legal, and Risk teams, including how you incorporate their input into your designs.

• Design System Contribution: If applicable, show how you have contributed to or utilized design systems.

📝 Enhancement Note: For a role in a regulated industry like credit, the portfolio should emphasize not just aesthetic appeal but also the rigor of the design process, particularly concerning user safety, compliance, and risk mitigation. Demonstrating how the candidate has navigated constraints and translated complex requirements into user-friendly interfaces will be key. The ability to articulate the "why" behind design decisions, supported by evidence, is critical for operational buy-in.

💵 Compensation & Benefits

Salary Range: Based on industry benchmarks for mid-level Product Designers with 4+ years of experience in major tech hubs, and considering the cost of living in Bogotá, Colombia, a competitive salary range would be approximately COP 100,000,000 - 180,000,000 annually. This estimate accounts for the company's Series C funding, its mission-driven nature, and the specialized skills required.

Benefits:

• Competitive salary

• Initial stock options grant

• Annual performance bonus

• Comprehensive health, dental, and vision insurance plans.

• Continuous learning opportunities, including access to courses, workshops, and industry events.

• Unlimited Paid Time Off (PTO) to promote work-life balance.

• Paid parental leave to support new parents.

• Future transition to a hybrid work model, offering flexibility.

• Empowering opportunities for professional growth in a fast-paced startup environment.

Working Hours: Standard full-time working hours, approximately 40 hours per week, with flexibility and an async-first collaboration environment.

📝 Enhancement Note: The salary range is an estimate based on typical compensation for a Product Designer role with the specified experience level in a Latin American tech hub like Bogotá, adjusted for the company's funding and industry. The benefits package is comprehensive, reflecting the company's commitment to employee well-being and professional development, which are key operational considerations for attracting and retaining talent in competitive markets.

🎯 Team & Company Context

🏢 Company Culture

Industry: Fintech, Financial Services, AI, Cryptocurrency Rails. Félix operates at the intersection of these dynamic sectors, aiming to disrupt traditional financial services for the underserved Latino community in the US. The company's focus on AI and crypto rails suggests a forward-thinking, technology-driven operational approach.

Company Size: Felix Technologies is a Series C funded company, indicating a significant growth phase. Company size is likely in the range of 100-500 employees, meaning it's large enough to have established processes but small enough to maintain agility and a startup-like culture.

Founded: Founded with a vision to serve the immigrant financial journey, Félix has rapidly evolved. Its rapid growth and investor backing underscore a culture of execution and innovation.

Team Structure:

• The Product Design team likely works in a flat hierarchy, fostering collaboration and direct access to leadership.

• Designers are paired with Product Managers and work closely with Engineering and Legal/Risk teams, indicating cross-functional, agile squads.

• The Head of Product Design maintains close involvement, ensuring alignment and quality across the product. Methodology:

• AI-Powered & Conversational-First: Operations and product development are heavily influenced by AI and a chat-based user interface, requiring innovative approaches to service delivery.

• Agile & Async-First: Lightweight processes and fast decision-making are prioritized, emphasizing efficient collaboration regardless of time zones.

• Customer Obsession: Every operational decision is driven by a deep understanding and focus on user needs, particularly those of the underserved Latino community.

Company Website: https://felixpago.com/

📝 Enhancement Note: Félix's culture is defined by its mission, urgency, ownership, collaboration, and pursuit of excellence. For operations professionals, this means embracing rapid iteration, taking initiative, and working collaboratively to achieve ambitious goals in a regulated yet innovative environment. The company's investor backing and rapid growth suggest a strong operational foundation built on efficient execution and strategic foresight.

📈 Career & Growth Analysis

Operations Career Level: This role is positioned as a Mid-Level Product Designer, with the potential to grow into a Senior Product Designer or Lead Product Designer role within the Credit vertical. The scope includes end-to-end ownership of significant product surfaces and influence over team processes.

Reporting Structure: The Product Designer will report to the Head of Product Design and will work closely with a Lead Credit Designer and the Credit Product Manager. This structure allows for mentorship and direct impact on the Credit product's strategic direction.

Operations Impact: The designer's work directly impacts the company's ability to expand its financial offerings beyond remittances into credit, a critical component of its mission. Successful design implementation will drive user acquisition, engagement, and trust, directly contributing to the company's revenue growth and its mission to serve the unbanked and underbanked.

Growth Opportunities:

• Specialization: Deepen expertise in financial product design, particularly in lending and credit, within a regulated environment.

• Leadership: Potential to become a lead designer for the Credit product, mentoring junior designers and shaping the product vision.

• Skill Development: Gain experience with cutting-edge AI tools for design, conversational interfaces, and potentially blockchain/crypto technologies.

• Cross-Functional Expertise: Develop a strong understanding of product management, engineering, legal, and risk operations within a fast-paced fintech company.

📝 Enhancement Note: The growth path here is not just about design skills but also about understanding the operational complexities of fintech products. A successful candidate will not only deliver great designs but also learn how to operationalize them within a regulated framework, manage cross-functional dependencies, and contribute to strategic product decisions.

🌐 Work Environment

Office Type: The company is currently fully remote, with a planned future transition to a hybrid setup. This implies a culture that values flexibility and efficient remote collaboration.

Office Location(s): While the role is remote, the company is headquartered in the US, with a significant operational presence implied in Bogotá, Colombia, given the location of this role and the user base. This hybrid approach allows access to global talent while maintaining connection.

Workspace Context:

• Remote-First/Async: Expect a highly collaborative environment that relies on digital tools and clear asynchronous communication. This requires strong organizational skills and proactive engagement.

• Tooling: Access to modern design and collaboration tools (e.g., Figma, Slack, Notion) will be standard.

• Team Interaction: Regular virtual meetings, design critiques, and cross-functional syncs will be the norm for team interaction and operational alignment.

Work Schedule: While full-time, the async-first approach may offer some flexibility in daily schedules, provided work is completed and collaboration needs are met. The focus is on outcomes rather than rigid hours, which is common in high-growth tech companies.

📝 Enhancement Note: The remote and async-first nature of the work environment necessitates strong self-management and proactive communication skills. For operations, this means a reliance on robust digital infrastructure and clear protocols for collaboration and information sharing. The future hybrid model suggests a need for adaptability as the company evolves its work arrangements.

📄 Application & Portfolio Review Process

Interview Process:

• Initial Screening: A recruiter or hiring manager will review applications, focusing on portfolio quality, relevant experience, and language skills.

• Design Challenge/Portfolio Review: Candidates will likely present their portfolio, discussing specific case studies, design process, and problem-solving approaches. A practical design challenge might be assigned, focusing on credit product design within constraints.

• Cross-Functional Interviews: Interviews with Product Managers, Lead Designers, and potentially Engineering or Legal/Risk stakeholders to assess collaboration style, technical understanding, and cultural fit.

• Final Interview: A conversation with senior leadership (e.g., Head of Product Design, VP of Product) to discuss vision, strategic thinking, and overall fit.

Portfolio Review Tips:

• Highlight Process, Not Just Pixels: Clearly articulate your design process, from problem definition and research to iteration and final solution.

• Showcase Constraint Navigation: Emphasize how you've successfully designed within limitations, especially regulatory ones. Provide examples of how you balanced user needs with compliance requirements.

• Quantify Impact: Where possible, include metrics or outcomes that demonstrate the success of your designs (e.g., increased conversion, improved user satisfaction, reduced errors).

• Tailor to Credit: Explicitly address how your skills and experience are relevant to designing credit products for an underserved audience.

• Demonstrate Communication: Be prepared to clearly articulate your design rationale and defend your tradeoffs.

Challenge Preparation:

• Understand the User: Research the target demographic (Latinos in the US, often credit-invisible) and their financial needs and challenges.

• Embrace Constraints: Be ready to design within strict regulatory and technical limitations. Think about disclosures, risk, and user trust.

• Think Conversational: Consider how credit interactions can be effectively managed within a chat interface.

• Focus on Clarity: Ensure any proposed solutions are exceptionally clear and easy to understand, especially for complex financial products.

📝 Enhancement Note: The interview process will heavily scrutinize the candidate's ability to translate complex operational requirements (compliance, risk, financial literacy) into user-friendly designs. The portfolio and any design challenge should demonstrate not just creativity but also a pragmatic, evidence-based approach to problem-solving within a regulated fintech context.

🛠 Tools & Technology Stack

Primary Tools:

• Figma: Essential for UI design, prototyping, and collaborative workflows. Deep fluency is a requirement.

• AI Design Tools: Cursor, Claude Code, Claude Design, Codex are mentioned as tools to amplify craft, indicating an experimental and efficient approach to design ideation and refinement.

Analytics & Reporting:

• While not explicitly listed, proficiency with product analytics tools (e.g., Amplitude, Mixpanel, Google Analytics) for understanding user behavior and measuring design impact is highly beneficial.

• Familiarity with data visualization tools for presenting research findings and design performance. CRM & Automation:

• Experience with CRM systems and workflow automation tools is not directly required for this design role but understanding how user data flows and impacts customer journeys is valuable.

• Familiarity with project management tools like Jira, Asana, or Notion for tracking tasks and collaborating with engineering and product teams.

📝 Enhancement Note: The emphasis on Figma and AI design tools highlights Félix's commitment to modern, efficient design operations. Understanding how design decisions translate into measurable outcomes via analytics tools is crucial for demonstrating ROI and operational impact.

👥 Team Culture & Values

Operations Values:

• Customer Obsession: Every design decision must prioritize the needs and well-being of the underserved Latino community. This means designing for trust, clarity, and genuine financial empowerment.

• Urgency and Focus: A bias for action and the ability to deliver high-quality work efficiently are paramount, especially in a fast-paced startup environment.

• Extreme Ownership: Taking full responsibility for the design outcomes and proactively identifying and solving problems within the credit product domain.

• Collaboration without Ego: Openness to feedback, willingness to share work early and often, and a collaborative spirit across product, engineering, and other functions.

• Insanely Great: A commitment to pushing boundaries and delivering exceptional quality, rather than settling for "good enough."

Collaboration Style:

• Async-First: Emphasizes thoughtful communication, clear documentation, and respect for distributed teams.

• Lightweight Process: Focuses on agility and speed, with minimal bureaucracy. Decisions are made quickly and collaboratively.

• Radical Transparency: Open sharing of information and feedback to foster trust and alignment.

• Cross-functional Partnership: Designers work as integral members of product squads, collaborating closely with PMs, engineers, and domain experts (legal, risk).

📝 Enhancement Note: The company values are deeply intertwined with its operational ethos. A designer must embody these values to succeed, ensuring that designs are not only functional and beautiful but also ethically sound, user-centric, and aligned with the company's mission. This requires a proactive, collaborative, and results-oriented mindset.

⚡ Challenges & Growth Opportunities

Challenges:

• Designing for Credit-Invisibility: Creating accessible and trustworthy credit products for users with limited traditional credit history requires innovative approaches to risk assessment and user education.

• Navigating Regulation: Balancing user experience with stringent financial regulations (e.g., disclosures, fair lending practices) is a constant operational challenge.

• AI & Chat Constraints: Designing complex financial interactions within the limitations of a chat interface and AI requires creative problem-solving and a deep understanding of conversational design principles.

• Rapid Iteration: Operating in a hyper-growth environment means adapting quickly to changing market conditions and user feedback, requiring agility in design and implementation.

Learning & Development Opportunities:

• Fintech Specialization: Gain deep expertise in the operational and design nuances of credit, lending, and other financial products within a regulated sector.

• Conversational AI Design: Become a leader in designing AI-native financial experiences.

• Cross-Functional Acumen: Develop a strong understanding of product management, engineering, legal, and risk operations within a high-growth fintech company.

• Strategic Impact: Contribute to shaping the vision and direction of Félix's credit product, impacting millions of users.

📝 Enhancement Note: The challenges presented are inherent to operating in the fintech space, especially when serving underserved populations. Successfully navigating these challenges offers significant opportunities for professional growth and impact, making this role attractive to ambitious operations and design professionals.

💡 Interview Preparation

Strategy Questions:

• "How would you approach designing a first-time credit offer for a user who is credit-invisible in the US, considering both their needs and our regulatory obligations?" (Focus on user empathy, risk assessment, and compliance integration.)

• "Describe a time you had to balance conflicting requirements from different stakeholders (e.g., user needs vs. legal constraints). How did you resolve it?" (Assesses collaboration, negotiation, and problem-solving skills.)

• "How do you ensure that AI-driven features in a financial product build trust rather than create confusion or risk?" (Probes understanding of AI ethics, transparency, and user confidence in financial contexts.) Company & Culture Questions:

• "What excites you most about Félix's mission to serve the Latino community, and how would your design work contribute to it?" (Evaluates alignment with company values and mission.)

• "How do you approach collaboration in an async-first, remote environment?" (Tests understanding of communication protocols and teamwork in distributed settings.)

• "How do you measure the success of your designs, particularly in a product like credit where outcomes can be complex?" (Assesses analytical thinking and focus on impact.) Portfolio Presentation Strategy:

• Tell a Story: Structure your case studies as narratives, clearly outlining the problem, your process, the challenges, your solutions, and the outcomes.

• Emphasize Your Role: Be specific about your contributions, especially in cross-functional collaboration and decision-making.

• Show, Don't Just Tell: Use visuals effectively to demonstrate your design thinking and the evolution of your solutions.

• Be Prepared for Deep Dives: Anticipate questions about your tradeoffs, why you made certain design choices, and how you handled constraints.

• Connect to Félix: Frame your experience and portfolio pieces in the context of Félix's mission and product challenges.

📝 Enhancement Note: Interview preparation should focus on demonstrating a strong understanding of both design principles and the operational realities of fintech, particularly credit products. Candidates should be ready to articulate how they can translate complex requirements into user-friendly, compliant, and impactful experiences, showcasing their ability to operate effectively in a mission-driven, fast-paced environment.

📌 Application Steps

To apply for this Product Designer, Credit position:

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

• Curate Your Portfolio: Select case studies that best highlight your experience in consumer product design, especially any work related to financial services, regulated products, or conversational interfaces. Tailor your presentation to emphasize your process and problem-solving within constraints.

• Optimize Your Resume: Ensure your resume clearly articulates your 4+ years of experience, specific design skills (visual, interaction, UX), proficiency in Figma, language skills, and any relevant fintech or regulated industry experience. Quantify achievements where possible.

• Prepare Your Presentation: Practice walking through your portfolio, focusing on your role, design rationale, collaboration, and the impact of your work. Be ready to discuss how you'd approach designing for credit within Félix's unique context.

• Research Félix: Understand the company's mission, values, target audience, and recent funding. Be prepared to discuss why you are passionate about this specific role and company.

⚠️ 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.