Senior Product Manager (Native AI, Core Experience)

About EarnIn As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks. We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey. POSITION SUMMARY As a Senior Product Manager on the Core Experience (XP) team, you will own and evolve the foundational experiences that define how millions of EarnIn community members interact with the app every day. This role sits at the intersection of deep user empathy, systems-level product thinking, and a strong bias toward action, with AI as a first-class tool for making those experiences adaptive, personalized, and proactive. You'll shape the shared surfaces and journeys that span the entire app. This will be from how users navigate and discover value, to how the experience stays cohesive as EarnIn grows. Core XP is responsible for the holistic app experience, ensuring that key parts of the app bring product experiences together in a unified way. Your mission is to ensure these experiences are not only intuitive and cohesive but genuinely intelligent, such as using AI to surface the right value for the right member at the right moment, at a scale that static UX alone cannot achieve. This is a highly visible, cross-functional role requiring strong product judgment, AI fluency, and a deep appreciation for great UX. You will partner closely with design, engineering, data, ML, and leaders across Business Units to identify the highest-leverage opportunities and drive execution through focused experimentation. We're not looking for a PM who will bolt AI onto the roadmap; we need someone for whom AI is already embedded in the core of how they work, with repeatable systems and measurable impact to show for it. The base salary range for this full-time position is $206,000 to $252,000, plus equity and benefits. Our salary ranges are determined by role, level, and location. This is a hybrid position in Mountain View (Headquarters) and will require in-office work 2 days a week. WHAT YOU'LL DO Own the vision and roadmap for Core XP, home, navigation, explore, activity, and cross-product flows, with AI-native personalization and adaptivity as a first-class design principle, not an afterthought. Define and ship AI-powered surface experiences: adaptive home layouts, contextual product discovery, predictive nudges, and smart in-app moments that respond to each member's real-time context. Partner with design and data to move from static UX to living, responsive experiences — translating model capabilities into product moments members actually notice and trust. Build and own an AI evaluation framework for Core XP surfaces: define quality benchmarks, set guardrails against over-personalization or intrusive AI behavior, and instrument feedback loops grounded in member outcomes — not just model metrics. Use AI to accelerate your own discovery and experimentation loops — compressing the time from behavioral signal to actionable insight to shipped hypothesis. Ensure Core XP surfaces remain intuitive and cohesive as new AI-powered products and capabilities are introduced across BUs. Work horizontally across business units to surface experience gaps and align teams around shared solutions. This is a highly cross-functional role requiring buy-in and strong relationships with multiple stakeholders. Bring structure, judgment, and calm to complex, cross-team decisions — balancing near-term engagement wins ... (truncated, view full listing at source)