Lead end-to-end product strategy and delivery for a digital financial coaching solution for underbanked consumers. Define MVP, run pilots, partner across engineering, data, design, risk, and governance, operationalise LLMs and data strategy, ensure guardrails, and drive measurable user engagement and scalable foundations.
Our Purpose
Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.
Title and Summary
Director, Financial Health Product Development
Overview
We are looking for a Director to lead product development efforts for an innovative digital financial coaching solution focused on improving financial health for underbanked consumers.
This solution is a digital personal finance coach designed to help underbanked consumers understand their finances, build better habits, and progress toward improved financial health through proactive, predictive, personalised support.
This role collaborates deeply across product, engineering, analytics, design, and internal governance partners to deliver a trusted AI-enabled product experience
As Director, you will own the end-to-end product strategy and delivery-from concept and MVP definition through pilot execution and iteration-partnering across engineering, data/analytics, design, risk, and governance to deliver a solution that is trusted, scalable, and measurable in impact.
Key Responsibilities
Product Strategy & Roadmap• Define and drive the product vision, strategy, and roadmap, including MVP scope and phased capability expansion. • Translate the product value proposition into clear customer and user outcomes, with a roadmap that balances speed-to-pilot with long-term scalability.
Prioritise features such as financial literacy, budgeting, savings, and personalised guidance
Product Development & Delivery• Lead MVP definition emphasising intentionally minimal data requirements in early phases, relying primarily on user inputs while planning for expansion to richer datasets. • Drive pilot planning for initial target segments/markets, ensuring the MVP is feasible and testable. • Establish delivery rituals (backlog, PRDs, milestone plans) and run cross-functional execution from prototype through build, launch, and iteration.
AI + Data Partnership & Governance• Partner with engineering and data teams to select and operationalise LLM and platform options • Define data strategy • Ensure the Agent delivers safe, accurate, and trusted user experiences through strong product guardrails, monitoring, and escalation paths (especially for sensitive financial topics)
User Experience & Behaviour Change• Design product experiences that support meaningful behaviour change and long-term financial improvement• Focus on creating intuitive, engaging, and accessible user journeys
Stakeholder Leadership & Communication• Serve as the single-threaded leader for cross-functional alignment: product, engineering, analytics, design, legal, privacy, and commercialisation stakeholders. • Create crisp executive communication: narrative, roadmap updates, trade-offs, resourcing needs, and pilot results. • Drive clarity on dependencies, reuse opportunities, and build-vs-partner decisions in collaboration with technical leaders.
What Success Looks Like• A clearly defined and executed product roadmap aligned to customer needs • A successfully launched product demonstrating strong user engagement and early indicators of impact • Scalable foundations for future growth, including data capabilities and partnerships
Qualifications• Proven experience in product management, digital product strategy, or product leadership, with full ownership across the product lifecycle (discovery → launch → iteration).• Demonstrated experience delivering data-driven products that influence user behaviour (e.g., coaching, personalisation, financial wellness, education, or habit-building experiences).• Strong cross-functional leadership-able to align engineering, data, design, and governance stakeholders through ambiguity. • Working knowledge of AI-enabled product development (LLMs/conversational experiences), including evaluation mindset, guardrails, and operational considerations.
Preferred Qualifications• Fintech and/or direct financial institution domain experience; experience building for underbanked or emerging-market contexts. • Experience with aggregated transaction data products (e.g. Open Finance) and/or issuer integrations. • Experience launching conversational or multi-channel experiences (in-app + messaging platforms). • Experience taking products through pilot-to-scale commercialisation, including partner enablement and measurement frameworks.
Core Competencies• Product "north star" thinking + pragmatic MVP execution• Exceptional written and verbal executive communication• Customer-obsessed, strong analytical decision-making; comfort with experimentation and iterative learning• High ownership and ability to drive clarity across dependencies and trade-offs
Corporate Security Responsibility
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:
Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.
Title and Summary
Director, Financial Health Product Development
Overview
We are looking for a Director to lead product development efforts for an innovative digital financial coaching solution focused on improving financial health for underbanked consumers.
This solution is a digital personal finance coach designed to help underbanked consumers understand their finances, build better habits, and progress toward improved financial health through proactive, predictive, personalised support.
This role collaborates deeply across product, engineering, analytics, design, and internal governance partners to deliver a trusted AI-enabled product experience
As Director, you will own the end-to-end product strategy and delivery-from concept and MVP definition through pilot execution and iteration-partnering across engineering, data/analytics, design, risk, and governance to deliver a solution that is trusted, scalable, and measurable in impact.
Key Responsibilities
Product Strategy & Roadmap• Define and drive the product vision, strategy, and roadmap, including MVP scope and phased capability expansion. • Translate the product value proposition into clear customer and user outcomes, with a roadmap that balances speed-to-pilot with long-term scalability.
Prioritise features such as financial literacy, budgeting, savings, and personalised guidance
Product Development & Delivery• Lead MVP definition emphasising intentionally minimal data requirements in early phases, relying primarily on user inputs while planning for expansion to richer datasets. • Drive pilot planning for initial target segments/markets, ensuring the MVP is feasible and testable. • Establish delivery rituals (backlog, PRDs, milestone plans) and run cross-functional execution from prototype through build, launch, and iteration.
AI + Data Partnership & Governance• Partner with engineering and data teams to select and operationalise LLM and platform options • Define data strategy • Ensure the Agent delivers safe, accurate, and trusted user experiences through strong product guardrails, monitoring, and escalation paths (especially for sensitive financial topics)
User Experience & Behaviour Change• Design product experiences that support meaningful behaviour change and long-term financial improvement• Focus on creating intuitive, engaging, and accessible user journeys
Stakeholder Leadership & Communication• Serve as the single-threaded leader for cross-functional alignment: product, engineering, analytics, design, legal, privacy, and commercialisation stakeholders. • Create crisp executive communication: narrative, roadmap updates, trade-offs, resourcing needs, and pilot results. • Drive clarity on dependencies, reuse opportunities, and build-vs-partner decisions in collaboration with technical leaders.
What Success Looks Like• A clearly defined and executed product roadmap aligned to customer needs • A successfully launched product demonstrating strong user engagement and early indicators of impact • Scalable foundations for future growth, including data capabilities and partnerships
Qualifications• Proven experience in product management, digital product strategy, or product leadership, with full ownership across the product lifecycle (discovery → launch → iteration).• Demonstrated experience delivering data-driven products that influence user behaviour (e.g., coaching, personalisation, financial wellness, education, or habit-building experiences).• Strong cross-functional leadership-able to align engineering, data, design, and governance stakeholders through ambiguity. • Working knowledge of AI-enabled product development (LLMs/conversational experiences), including evaluation mindset, guardrails, and operational considerations.
Preferred Qualifications• Fintech and/or direct financial institution domain experience; experience building for underbanked or emerging-market contexts. • Experience with aggregated transaction data products (e.g. Open Finance) and/or issuer integrations. • Experience launching conversational or multi-channel experiences (in-app + messaging platforms). • Experience taking products through pilot-to-scale commercialisation, including partner enablement and measurement frameworks.
Core Competencies• Product "north star" thinking + pragmatic MVP execution• Exceptional written and verbal executive communication• Customer-obsessed, strong analytical decision-making; comfort with experimentation and iterative learning• High ownership and ability to drive clarity across dependencies and trade-offs
Corporate Security Responsibility
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:
- Abide by Mastercard's security policies and practices;
- Ensure the confidentiality and integrity of the information being accessed;
- Report any suspected information security violation or breach, and
- Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.
Mastercard London, England Office
1 Angel Lane, London, United Kingdom, EC4R 3AB
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