About Nclusion
Nclusion is on a mission to provide traditional financial services to 1.5 billion people worldwide without access today. Without a secure way to save, invest, or transfer money, individuals are not empowered to accumulate short or long-term wealth. We're changing that by bridging the gap between traditional banking and the communities that need it most.
About the Role
Our Growth & Gaming team is responsible for building the systems that deepen customer engagement, drive retention, and unlock sustainable growth across our ecosystem. As a Product Manager, you will own the strategy, roadmap, and execution for gamified experiences, loyalty programs, incentive mechanics, and growth loops that motivate meaningful financial behavior in the communities we serve.
This is not a conventional growth role. You will be applying game design thinking, progression systems, challenges, streaks, rewards, and social mechanics to help first-time digital financial services customers build lasting habits and trust. You'll need to understand what makes experiences intrinsically motivating in these contexts, and build programs that deliver real, lasting value rather than hollow engagement. This role is highly collaborative, working cross-functionally with design, engineering, data, marketing, and operations to bring impactful products to life.
This role is based in our Palo Alto office. We work together onsite Monday through Thursday and remotely on Fridays.
What You’ll Do
- Own the full product lifecycle for growth and gaming initiatives: from discovery and game design through launch and iteration, and driving prioritization with clarity and conviction.
- Design and evolve gamified systems (streaks, challenges, leaderboards, milestone rewards, progress mechanics) that drive meaningful financial behavior: saving, transacting, and building trust with formal financial services.
- Build and iterate on incentive structures (rewards, referrals, cashback, badges) grounded in behavioral economics and game design principles — balancing engagement with sustainable program economics.
- Partner with our research team to understand what motivates our users and what doesn't, while translating those insights into game mechanics that reflect real needs, not assumptions.
- Make hard tradeoffs. In a resource-constrained environment, you'll decide what gets cut, what ships, and why — and bring your team along on that reasoning.
- Collaborate with engineering, design, data, and operations to ship experiences that work reliably at scale across diverse regions, languages, and connectivity conditions.
- Partner with Finance and Analytics to model program economics, reward liability, and ROI — ensuring growth initiatives are sustainable and margin-aware, as well as partnering with Legal and Compliance to ensure incentives stay within policy.
- Run a rigorous experimentation and learning culture, using A/B tests and behavioral data to continuously optimize engagement, retention, and activation loops.
- Track and own product metrics, using data to iterate quickly and demonstrate impact.
What You Bring to the Table
- 6+ years in product management, with at least 3 years working on gamification, growth, loyalty, or consumer engagement products — ideally in fintech, gaming, or another complex, constraint-driven environment.
- A track record of shipping gamified or growth products end-to-end — not just writing specs, but driving decisions, owning outcomes, and standing behind them.
- Fluency in game design principles: you understand progression systems, feedback loops, variable reward schedules, and how to apply them to non-gaming contexts without feeling gimmicky.
- Strong instincts for user research, particularly with populations whose contexts differ significantly from your own. You know how to design studies, synthesize findings, and translate them into mechanics that reflect real motivations rather than assumptions.
- Deep understanding of what actually drives habit formation, retention, and behavioral change at scale — grounded in both data and psychology.
- Strong analytical skills — you're comfortable with data, defining success metrics, and using quantitative signals to make confident product decisions.
- The ability to communicate clearly and lead without authority: aligning engineering, marketing, finance, and operations partners who often have different vocabularies, priorities, and constraints.
- Comfort with ambiguity: you can make sound decisions with incomplete information and course-correct quickly when the ground shifts.
- Experience working in or building for emerging markets is a strong plus — you've navigated contexts where low connectivity, low institutional trust, or first-time digital users shaped your product decisions.
Benefits and Perks
- 📈 401k up to 3% with additional tiered options
- 🩺 Medical Insurance
- 🦷 Dental Insurance
- 👓 Vision Insurance
- 💸 Competitive compensation & equity – We believe in sharing success.
- ✈️ Flexible PTO – We focus on impact, not tracking vacation days. We encourage a minimum of 14 days.
- 🍽️ In-office lunch, team events & culture
In our commitment to fostering a diverse and inclusive workplace, we value the unique perspectives and experiences each individual brings to our team. We encourage all candidates, regardless of background, to apply. Your skills, talents, and potential contributions matter deeply to us, and we believe in creating an environment where everyone has an opportunity to thrive. We recognize that meeting every listed requirement may not always be possible, but we value passion, determination, and a willingness to learn. Your application is an opportunity for us to discover the exceptional qualities you bring.