Product Lead

About Collective: Collective is on a mission to redefine the way businesses-of-one work. Our technology and team of trusted advisors help members achieve financial independence by taking care of everything from business incorporation to accounting, bookkeeping, tax services, and access to a thriving community, all in one integrated platform. We believe in empowering self-employed people to enjoy the same tax savings that big companies get, so they can focus on their passion, not paperwork. Featured in Forbes, Business Insider, Yahoo, Bloomberg, Financial Times, TechCrunch, and more. We are backed by General Catalyst, Sound Ventures (Ashton Kutcher and Guy Oseary), QED Investors, Google’s Gradient Ventures, Expa, and other investors who have financed iconic companies like YouTube, Substack, Twitch, Box, Hims, Instacart, and Lyft. About the role: We're seeking a Product Lead to drive execution, and directly shape customer and business outcomes across Collective’s foundational 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. You will architect and build a category-defining function from the ground up, embedding cutting-edge AI directly into the core product surface layer and establishing the standards adopted by our operations teams and external members alike. 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.