Product Manager, User Lifecycle and Scoring at Altro (S20)
Breaking the barriers of traditional credit building.
San Francisco, California, United States / Remote
6+ years
About Altro

The majority of young adults don't have viable ways to start building credit. Many of them don't know their credit score or don't know how to improve their current one. Once they do decide to start their credit journey, they are left frustrated when told the main way to build is through having the credit products they were told they don't yet qualify for.

We knew that there were indicators other than credit card and loan payments that could be tracked to provide an assessment of creditworthiness. That's where Perch comes in. Perch allows users to log their recurring payments—such as subscriptions or rent—as credit history to improve their credit scores immediately. We want to provide an escape from the catch-22 of credit building.

About the role

Perch is on a mission to make financial power available to all. Founded in 2019, Perch is a free credit service helping people get and build credit through recurring everyday payments and subscriptions. Through the app, users can easily link recurring payments to leverage unseen and uncounted payments that build their credit score over time. Perch is backed by Marcy Ventures, Jay-Z, Sequoia Capital, Kapor Capital, and Y Combinator.


Our team is dedicated to democratizing access to credit and re-establishing the status quo of what it means to be creditworthy. Our users are our priority, and we aggressively communicate with them to understand how we can build for them. Our users come from many walks of life, young college students looking to get their first credit card to foreign nationals just now entering the US. 

Product at Perch


As a Product Manager at Perch you will be a foundational part of the Product Team where you will work closely with our designers, engineers, operations team, customer success team, and incoming product managers to deliver seamless intuitive experiences to Perch users. You’ll report to the Director of Product and operate as a fast-moving product leader who is an expert of the owned product(s) end to end.

The product team at Perch is obsessed with bringing financial power to all. We are data driven and use first hand feedback from customers, business partners, and product partners to ensure that our products serve the needs of our users.

It is more important than ever for Perch to have product experts that can help scale products while inspiring new ideas. As we’re a startup, you’ll need to complete tasks while wearing many hats and take on anything that the product needs done to move forward. We’re a small team and we’re moving fast. You’ll have a big impact on our success and an opportunity to see all aspects of the company.


Product Manager, User Lifecycle and Scoring


As a Perch PM, you will be the domain expert of one or more Perch products. You will be responsible for everything including the ideation, definition, planning, messaging, execution, delivery, observability, scaling, and termination of various features to keep the product growing. You will be responsible for reviewing all new experiences before they launch and helping connect the dots visually and functionally between your product and other functions of Perch app. You will work closely with engineering, design, frontend, infrastructure, customer success, and marketing. When there is ambiguity, you will be the generalist that creates order.

This role requires the incoming product manager to wear multiple hats while fully owning two distinct parts of the Perch ecosystem, with the potential the to expand into other areas.

User Lifecycle

The User Lifecycle role encompasses the Perch user's journey from start to end, including onboarding, management, and servicing. This role has a dedicated team which handles user data management and maintains a custom internal tool that is used by our customer success team.


The Scoring role ensures that our users have a way of accessing free credit scores and financial progress is meaningfully measured. As product owner you will need to think about the best way to gather and present financial progress to your stakeholders (both internal and external). This product does not have a dedicated engineering team yet, and will require collaboration with engineering leaders.

What You'll Do:

  • Establish and guide the roadmap and full stack experiences in your product area(s). 
  • Establish product requirements, goals, performance indicators, and milestones and work in partnership with other teams to deliver on your roadmap.
  • Lead KPIs, set metrics, and keep high visibility of progress.
  • Lead regular team meetings, including stands, retros, sprint plannings, and more.
  • Partner with research, content, design, and marketing teams on developing go-to-market strategies, refining messaging, and ensuring success of the product.
  • Work with existing and new product partners to deliver greater value to our users.
  • Analyze and share user data with the entire Perch team to track impact over time.
  • Help build analytical tooling to bring visibility and awareness to the Perch team.
  • Since we’re a small team your role has room to expand into other products/features.

Who You Are:

  • You can prioritize ruthlessly - you recognize that many tasks are important but not all are urgent or impactful. You know how to prioritize and take tasks to completion.
  • You’re an analytical and creative problem-solver - you can break down new problems, compare options, and come to decisions that are based on thoughtful analysis.
  • You’re driven by our mission - you are highly motivated by our vision to bring financial power to all.
  • You are an effective communicator - you're able to conduct high quality discovery sessions with stakeholders, relay goals and deliverables effectively to your team, and maintain high visibility of how product goals are tied to the needs of Perch users.
  • You are low ego - you never point fingers, instead you review data transparently and improve processes to prevent future failures.
  • You’re ambitious and optimistic - you’re keen to tackle big challenges, bit by bit.
  • You want to have fun - you want to celebrate the wins with us.


  • 5+ years of experience in a Product Management role, preferably in Fintech
  • Experience at a tech startup or similar fast-paced organization
  • Experience building a product roadmap and working with cross-functional stakeholders to deliver measurable impact
  • Ability to analyze, quantify, and articulate trade-offs of product roadmap features  
  • Analytical experience, usage of Business Intelligence tools to drill down on insights and create solutions based on data-driven hypotheses
  • Bias toward data-driven decision making
  • Experience designing & building products that achieve financial and business objectives 
  • Strong verbal communication and presentation skills to project partners
  • Deep attention to detail; desire to collaborate on new processes for efficiency
  • Demonstrated ability to work independently, set clear timelines, and deliver core responsibilities against deadlines 
  • Ability to pick up new complex projects quickly while maintaining existing responsibilities
  • Ability to quickly build consensus

Bonus Points

  • Experience in Payments or Consumer Financial Services
  • Strong plus if you used products that financially help our target audience
  • Based in San Francisco or able to commute / fly in from time to time (when Covid conditions get better)

Our software is written primarily in Golang and we leverage Kubernetes extensively and so experience with these technologies is a plus. Experience with platform/infrastructure development is highly desirable and you must be comfortable working in a fast-paced, highly dynamic environment.

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