Product Lead, Payroll

About the role

We're seeking a Product Lead to drive execution, and directly shape customer and business outcomes across Collective’s financial platform. You won't just optimize existing systems-you will lead critical core product areas and lead the expansion into high-growth, potential new product verticals that will define the future of our financial operating system.

What you'll do

• Own the product area vision, strategy, implementation, and customer & business outcomes for your core product areas.
• Work closely with AI engineers and subject matter experts to bring to life AI-driven product experiences - for example: intelligent automation using LLMs and agentic systems.
• Work with operational teams to ensure they have the tools and workflows to be effective, determining where product automation & AI can unlock efficiencies.
• Lead and inspire an XFN team to ship innovative experiences.
• Deeply understand business and product performance to ensure the team is focused on the highest leverage opportunities that balance long term growth with immediate business needs.
• Manage the roadmap and team processes to enhance quality and velocity of execution, make tradeoff decisions between business priorities and available resources.
• Drive effective partnership both cross-functionally, across product teams, and external partners to ensure strong business outcomes.
• Define the framework and metrics to measure the impact of the team; deeply understand core drivers and monitor progress.

What you'll bring

• 5-6+ years of product management experience with a deep understanding of the product lifecycle.
• Strong domain expertise and foundational systems thinking (or operations-adjacent expertise), understanding day-to-day operational considerations and implications of execution.
• An 'owner' and 'driver' mindset - biased toward action and getting things done.
• Drive for simplicity & elegance - finding elegant, simplifying solutions to complex challenges.
• A high-quality bar for contributions.
• Comfort & skill with ambiguity - solving ambiguous problems with first principles and structured thinking.
• Strong written and verbal communication.
• Fluency with data and experience working on data-heavy or ML/AI products.
• Intellectual curiosity & humility.

What we offer

• Hybrid Work Model: Based in San Francisco with a balance of in-office and remote flexibility.
• Fresh Lunch: Provided on in-office days.
• Commuter Support: $150 monthly reimbursement for transit expenses.
• Health & Wellness: $200 quarterly reimbursement to support your well-being.
• Time Off: Flexible PTO plus 14 company holidays.
• Comprehensive Coverage: 100% medical, dental, and vision for employees; 75% coverage for dependents.
• Parental Leave: 16 weeks fully paid.
• Retirement & Ownership: 401k plan plus an equity package.
• Team Connection: Quarterly virtual events and an annual in-person summit.