Product Manager, Consumer AI & Growth

About Us

Hello Clever is building the next generation of payments and commerce infrastructure by turning every transaction into growth for merchants and clearer value for consumers. We’re an AI-powered fintech operating across 22+ markets, helping businesses move money in real time and convert payments into measurable outcomes like higher repeat rates, bigger baskets, and smarter customer engagement. Our platform combines local account-to-account rails, embedded rewards products, and powerful data intelligence through Clever AI so merchants can launch offers, optimize ROI, and scale faster through a single integration.

We’re also proud to be recognized on the global stage, including being named Australia’s fastest-growing fintech, listed in Forbes Asia’s Top 100, ranked in the AFR Fastest-Growing Companies, and selected for Inc. Magazine’s Best in Business.

The Role

Unlock your potential with Hello Clever. We’re seeking a curious, consumer-obsessed, and hands-on Product Manager, Consumer AI & Growth to shape the Hello Clever app into a more intelligent, rewarding, and trusted consumer product. If you love understanding consumer behavior, experimenting with AI-powered experiences, and scaling consumer products that create value for both users and merchants, we’d love to hear from you.

As a Product Manager, Consumer AI & Growth at Hello Clever, you will own product discovery and delivery across the consumer-facing experience, with a focus on the app, AI-assisted personalization, consumer engagement, payment confidence, and repeat behavior. You will work closely with Product, Design, Engineering, Data, Growth, Marketing, Customer Success, Support, Risk, Operations, and merchant-facing teams to make Hello Clever more valuable for consumers while helping merchants drive repeat purchase, customer engagement, and measurable growth.

• Position: Product Manager, Consumer AI & Growth, full-time
• Level: Mid to Senior-level
• Location: New York City, New York
• Working mode: Hybrid
• Reporting to: Head of Product
• Base salary: $150,000 to $200,000 USD per year

Key Responsibilities

• Consumer App Experience: Improve the Hello Clever app journey across onboarding, discovery, payment confidence, reward tracking, account settings, notifications, and post-purchase engagement.
• Consumer AI & Personalization: Explore and ship practical AI-powered experiences that help consumers discover relevant rewards, understand value, build smarter habits, and engage with merchants in timely, useful, and trusted ways.
• Consumer Growth & Behavior Loops: Design product mechanics that turn one-off cashback into repeat consumer behavior, stronger merchant relationships, and a clearer value exchange between consumers, Hello Clever, and merchants.
• Product Discovery & Experimentation: Use qualitative research, behavioral insight, funnel data, support signals, and rapid experiments to identify consumer needs, prioritize opportunities, and validate what drives durable engagement.
• Merchant Value Through Consumer Outcomes: Partner with merchant, growth, and data teams to ensure consumer experiences support merchant objectives such as repeat purchase, conversion, offer performance, customer engagement, and measurable ROI.
• Trust, Risk & Operational Clarity: Build experiences that make payments, rewards, refunds, eligibility, notifications, and account activity easy to understand while protecting consumer trust, privacy, and regulated fintech expectations.
• Metrics, Launch & Enablement: Define success metrics and guardrails, monitor adoption and retention, support launches, and create the feedback loops teams need to improve consumer and merchant outcomes over time.

You’re a Perfect Fit if You Have

• 5+ years of experience in product management, growth product, consumer experience, marketplace, fintech, ecommerce, payments, AI product, or a closely related digital product role. Fintech or consumer app experience is preferred.
• Experience working on consumer-facing mobile or web products, especially onboarding, activation, engagement, retention, rewards, personalization, notifications, wallets, checkout, or marketplace discovery.
• Experience scaling consumer-facing products in a startup or scale-up environment, with strong ownership across product strategy, discovery, experimentation, delivery, and iteration.
• Strong product judgment and the ability to turn ambiguous consumer behavior problems into clear goals, trade-offs, requirements, experiments, and next steps.
• Experience working directly with engineering, design, data, marketing, and go-to-market teams to ship product improvements from discovery through delivery.
• Strong analytical and communication skills, with the ability to balance consumer value, merchant value, business impact, technical feasibility, privacy, risk, and brand trust.
• Curiosity about AI in consumer products, including where AI can create useful personalization, reduce friction, improve relevance, or build confidence without becoming gimmicky or intrusive.

Bonus Points if You Have

• Experience in fintech, payments, banking, rewards, cashback, ecommerce checkout, marketplaces, retail media, growth loops, or regulated consumer technology environments.
• Familiarity with real-time payments, wallets, payment status flows, refunds, disputes, cashback eligibility, reward redemption, or transaction-led engagement.
• Experience improving mobile app onboarding, consumer activation, habit formation, referral, lifecycle messaging, reward mechanics, or retention funnels.
• Experience with AI-assisted product experiences, recommendation systems, segmentation, experimentation platforms, behavioral analytics, SQL, dashboards, or data exploration.
• A strong instinct for consumer trust, including clear communication around money movement, rewards value, eligibility rules, consent, data use, and privacy.

Why Join Us?

• High-Growth Fintech: Be part of a company shaping the future of real-time payments, AI, rewards, and merchant growth.
• Career Development: Grow your product career across consumer apps, fintech, payments, behavioral product, AI, data, and cross-functional delivery.
• Impactful Role: Own meaningful parts of the consumer journey and help turn everyday payments into clearer value for consumers and stronger growth for merchants.
• Dynamic Culture: Join a passionate and collaborative team that values innovation, ownership, customer obsession, and execution.

How to Apply

We keep our hiring process simple and effective:

1. Phone Screen (People & Culture)
2. Meet the Hiring Manager: A casual introductory call with the Head of Product
3. Take-home assessment
4. Meet the Team: Get to know the stakeholders you’ll be working with, discuss the role, and ensure alignment.

If this sounds like your next career move, we’d love to hear from you.

Ready to make an impact? Apply now.

Equal Opportunity and Accommodations

Hello Clever is an equal opportunity employer. We consider qualified applicants without regard to any characteristic protected by applicable law. We provide reasonable accommodations for applicants with disabilities and for religious observances during the hiring process. Please let your recruiter know if you need an accommodation.