Product Manager, Retention & Monetization

Kikoff: The Fintech Powering Financial Security at Scale Kikoff is a profitable, pre-IPO fintech company on a mission to empower everyone to achieve financial security. With record revenue growth in 2025 and a unicorn valuation, we've built a suite of products that help millions of people build credit, access liquidity, and save money. We're scaling fast. Join us if you want to build something meaningful and help millions of people move forward financially. Why Kikoff: This is a consumer fintech startup, and you will be working with serial entrepreneurs who have built strong consumer brands and innovative products. We value extreme ownership, clear communication, a strong sense of craftsmanship, and the desire to create lasting work and work relationships. Yes, you can build an exciting business AND have real-life real-customer impact. This role is focused on retention and monetization. Millions of people use Kikoff to build credit - you'll own what happens after they sign up: why members stay, why they leave, and what they choose to pay for. You will own the retention and monetization roadmap for Kikoff's core credit products - churn, reactivation, plan upgrades, pricing and packaging - and be measured on retained, paying members and revenue per member. This is a full-time position in our San Francisco HQ with benefits and equity in a fast-moving and fast-growing environment that will help you grow your abilities and career as you help build a better ecosystem of credit for our customers. What you can expect in this role • Look deeply at the data and talk to users to find what keeps them engaged, what makes them churn, and what they value enough to pay for - then create retention and engagement loops using content and experiences that leverage product, comms and alert touch points. • Constantly develop and experiment on experiences, offers and types of content that will keep users active, retained and upgrading. • Own the levers that drive revenue per member: pricing, packaging, plan upgrades, paywalls and cross-sell into other Kikoff products. • Own cancellation, save and win-back flows that reduce churn without trading away member trust. • Drive strategic insights that shape roadmaps for engineering, design and marketing using retention, LTV and revenue data and user stories to build conviction. • Explore our data and users to create segments by value, risk and intent, with relevant insights, offers and content to drive a virtuous loop of engagement and monetization. • Take direction from leadership regarding the key objectives your team needs to drive, but outline a roadmap with your product team to achieve successful outcomes, together. • Drive the discovery process to form a deep understanding of our users and to uncover the products and features that will best empower those consumers - and that they'll stay and pay for. • Reach beyond instinct alone to capture and analyze the right data to allow you to make the most informed decisions as you continue to evolve your approach. • Partner with legal and compliance so pricing, disclosures and cancellation experiences meet consumer-protection standards. • Champion your products within your team, across the company, and with consumers. What will help make you successful • Excellent writing and communication skills to communicate both with users and internally to drive strategy, learning and iteration. • Readiness to roll up your sleeves in all parts of the member journey from copy to setting up comms, offers and product touch points to measuring and interpreting results. • Extremely data driven and constantly looking for the “why” behind the data to understand what drives user behaviors and explains metric patterns. Comfortable with cohort analysis, LTV and uni