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About the Role

Shape Wise’s first credit products, starting with US Business credit, and make complex borrowing, spending, and repayment journeys simple, transparent, and fair. The Credit team is exploring how fair and transparent credit can help customers manage their global financial lives more effectively. You will help the squad understand and meet customers’ needs for credit, turning complex credit propositions, policies, and systems into intuitive experiences.

Responsibilities

Own the full credit journey: eligibility, application, decisioning, onboarding, limits, statements, repayments and support
Shape the product proposition and roadmap, not only the execution
Identify and solve points of friction in how customers pay, track, and manage their spending
Design for a global product—balancing consistency with local nuances across markets
Turn complex systems and constraints into simple, intuitive user experiences
Collaborate closely with Product, Engineering, Research & Analytics to ship high-impact improvements
Use data and research to continuously improve customer outcomes
Raise the bar for design quality and consistency across our Credit offerings
Help customers understand whether credit is right for them
Support responsible application, utilisation and repayment outcomes
Influence which propositions Wise pursues and how the roadmap develops
Help eligible customers use Wise Credit responsibly when it meets a genuine need
Build trust by making credit feel transparent, predictable, and easy to understand
Reduce customer confusion and support needs through clearer, more proactive design
Improve critical moments in the credit journey—declines, limit changes, statements, missed repayments and restrictions
Design experiences that scale globally while working well in local contexts
Balance customer experience with risk, compliance, and operational constraints

Requirements

Strong experience designing complex product experiences, including operational processes behind the interface, ideally in fintech or similarly complex domains
Comfortable working with ambiguity and shaping problem spaces, not just solutions
Ability to simplify complexity and design intuitive experiences in constrained environments
Think in systems and journeys, not just individual screens
Comfortable designing for global products across multiple markets & simplifying regional regulatory and operational differences
Use data and research to inform decisions
Communicate clearly and collaborate effectively across disciplines
Care deeply about building products that customers trust and rely on
Experience primarily end-to-end product and service design rather than just visual execution
Willingness to help determine what should be built
Comfortable challenging product, commercial or risk assumptions when they could produce poor customer outcomes

Experience Level

Senior

Salary/Compensations

GBP 72000 - GBP 105000 - yearly

About the Company

Wise is a global technology company, building the best way to move and manage the world’s money.
Min fees. Max ease. Full speed.
Wise is on a mission to make sending money to another country, spending abroad, or making and receiving international payments easier and save them money.
As part of our team, you will be helping us create an entirely new network for the world's money.
For everyone, everywhere.

Equal Opportunity

For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.
We're proud to have a truly international team, and we celebrate our differences.
Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.