Senior Product Designer - (First Time Experience, Payments)

Hundreds of millions of people send money across borders every year. Most of them have never done it before. They arrive at a product they don't fully trust, face steps they don't fully understand, and make financial decisions with real consequences if something goes wrong.

This role exists to make that experience work.

You'll own the design of the entire first transfer journey: from the moment a new user arrives through identity verification, recipient setup, funding selection, and completed transaction. This is a high-stakes conversion problem and a genuinely hard design challenge.

If you have not shipped end to end payment flows at a fintech company, this role is not for you. Please do not apply.

The Problem

First time cross-border senders face compounding uncertainty. Exchange rates move. Fees are not always obvious. Compliance steps appear unexpectedly. Payment methods behave differently depending on where the user is and where the money is going.

Most products respond to this by hiding complexity or deferring it. This product responds by making everything transparent upfront. Your job is to make that transparency feel safe and navigable rather than intimidating, and to ensure that users who start a transfer actually finish one.

What You Will Own

• The first transfer funnel from registration through KYC verification, recipient setup, funding method selection, rate confirmation, and transfer completion

• Conversion and drop off across every step , running A/B tests, interpreting causal results, and deciding what to ship, kill, or iterate

• Compliance and verification flows including identity checks, sanctions screening, and AML steps, designed to feel procedural and predictable rather than alarming

• Fee and rate transparency patterns that make exchange rates, costs, and processing timelines immediately legible to someone who has never sent money internationally before

• Design system contributions that keep the first transfer experience coherent across web, iOS, and Android

You Must Have All Five of These

If you cannot demonstrate all five clearly in your CV and portfolio, please do not apply. The screening process will filter against these specifically before any manual review takes place.

1. At least 4 years designing at a fintech or payments company , in a role where you personally shipped onboarding, activation, or transaction flows to production, verifiable by employer, product name, or documented case study

2. At least one end to end payment case study that covers identity verification through to transaction completion, with explicit before and after metrics such as conversion rate, drop off rate, or error rate. Please include it in your portfolio.

3. Direct involvement in A/B tests where you designed the variant, defined the hypothesis, and reported on the outcome, not just observed or supported someone else doing it

4. Explicit experience designing KYC or AML flows , specifically balancing what compliance requires with what conversion performance demands, documented in your portfolio

5. Evidence of designing for FX or fee transparency , showing how you communicated exchange rates, transfer costs, or timing uncertainty to users accurately and without evasion

What Senior Means in This Role

You are not waiting for a brief. You are expected to:

• Identify which part of the first transfer funnel is most worth fixing and build the case using funnel data and user research

• Run experiments independently from hypothesis through to shipping decision

• Engage directly with compliance and legal to understand regulatory constraints before designing around them

• Hold a firm line on transparency: trade offs between speed, cost, and certainty must be visible to users, not softened to protect conversion in the short term

How Impact Is Measured

This role is measured on outcomes, not output.

The metrics that matter: first transfer completion rate, drop off at each step of the funnel, time to complete, error rate on identity verification flows, and return rate after abandonment. If those numbers move in the right direction, the work is succeeding.

How the Team Works

Design sits inside cross-functional squads alongside product, engineering, analytics, and compliance. It shapes strategy directly and is not a service function.

Work is shared early and challenged often. Designers own their metrics, run their own experiments, and are expected to escalate clearly when business priorities conflict with user needs. The operating principle is straightforward: the user's ability to make an informed financial decision is never sacrificed for a short term conversion gain.

IMPORTANT: Due to highly regulated industry only people that are currently based in European Union can be considered for this particular role. No exception. You will be disqualified without any information why if you apply while being based outside of EU.. No relocation or VISA sponsorship is offered.

A Transparent Note from the Recruiter

Firstly - while applying you will be asked to record 1 minute video answering wy this role is suitable for you. Only content of your answer will be assessed. Not your fancy background behind you or how you are dressed. This is to cut noise and speak only to people who shows commitment and understand what this role is about.

Secondly - I use an AI assisted screening tool to do a first pass on applications before I review them manually. It does not make final decisions. I do. But it flags applications that do not clearly address the five criteria listed above, and that shapes the depth and order of my review. I might ask you some follow up questions in the process to make sure I am not missing anything.

If your application does not speak to those five things directly, it will likely be deprioritised regardless of how strong your broader experience is.

Beyond the screening pass, your portfolio is the primary signal. I want end to end case studies with honest problem framing, your specific contribution, the trade offs you navigated, and real outcomes including what did not work.

If this is how you already work, apply. If some of it is still aspirational rather than demonstrated, that is worth knowing before you do.

Either way, you will hear back from me. That is a promise, not a pleasantry.

Hubert Warszta
Tech Recruiter | WhyHireWrong? | SIGL:IO