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Credit Genie

AI-powered personal debt management platform

Senior Product Designer

Full-Time
$180k - $220k/yr+ 3.5% 401(k) match + Bonus eligibility + Equity program eligibility
Senior
New York, NY, USA
In PersonFive days in the office per week are expected.
Product & Experience DesignProduct Design

About the job

Requirements
  • At least 6 years of experience designing consumer digital products, with clear examples of owning an entire product space rather than only features within one.
  • A portfolio demonstrating design craft and reasoning, including the problem, explored and discarded approaches, trade-offs, and post-launch outcomes.
  • Experience building, evolving, or deprecating design system patterns at scale and partnering with engineering to ship them.
  • Range across visual, interaction, and content design; native mobile experience is important.
  • Evidence of raising the bar for others through mentorship, critique leadership, or processes adopted by others.
  • Strong written communication for documentation and asynchronous alignment.
  • Comfort with genuine ambiguity and a fast pace, with judgment about when speed is inappropriate.
  • Fluency using artificial intelligence in workflows including prototyping, exploration, and production, with discernment about when not to use it.
Responsibilities
  • Own an ambiguous, large product area spanning multiple features from discovery through launch and post-launch iteration, driving it with minimal supervision.
  • Turn open-ended problems into a sequenced, executable plan and align stakeholders on the problem before the solution.
  • Set and explain the craft standard, including when work is good enough or must be more fully resolved, so the team can calibrate.
  • Identify product patterns to promote, unify, or deprecate; partner on shipping new components and retiring old ones; build a design system for a new brand while maintaining the existing Credit Genie system.
  • Choose an appropriately scrappy or thorough methodology based on the need for speed, learning, quality, and the stakes of the problem.
  • Help shape the roadmap by connecting design choices to business strategy and advocating for design-led opportunities.
  • Build alignment among cross-functional stakeholders before disagreements become blockers, and communicate design decisions proactively.
  • Write and present clear narratives that advance work with peers and leadership and make complex work understandable.
  • Mentor mid-level designers through deliberate feedback and growth support, and model expected standards.
  • Improve team practices, including critiques, kickoffs, retrospectives, onboarding, and hiring processes.
  • Create documentation, frameworks, and processes that measurably improve other designers' speed and effectiveness.
Desired Qualifications
  • Experience in fintech, lending, credit, another regulated consumer domain, or evidence of designing effectively within hard constraints.
  • Experience designing for a multi-brand portfolio or launching a second product alongside an existing one.
  • Motion, prototyping, or front-end literacy sufficient to make handoff conversations shorter.
  • Experience working closely with an embedded user experience researcher.

About the company

Credit Genie, also known as Creditly Corp., runs a mobile-first platform for personal debt management and financial wellness in the U.S. Its app uses AI and ML to analyze a user’s finances beyond traditional credit scores, incorporating behavior and transaction data, and it negotiates with creditors to secure affordable repayment plans for users. Users can access small, interest-free cash advances up to $150, credit-building tools, budgeting help, and alerts, while creditors pay a flat monthly fee for processing and debt-management tools. Its revenue also comes from premium subscriptions, expedited transfer fees, and referral fees from financial partners, with the goal of making debt relief more affordable and helping people improve their financial health.

Company Size

51-200

Company Stage

Early VC

Total Funding

$17M

Headquarters

Philadelphia, Pennsylvania

Founded

2019

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Simplify's Take

What believers are saying

  • The app updated on August 25, 2026 and still sells Cash Boost nationally.
  • Google Play updated January 21, 2026 lists 1,000,000+ installs and paid Instant Delivery.
  • Funding reached $33.8 million in February 2025 and $54.67 million by August 2026.

What critics are saying

  • Bailey v. Creditly Corp. remains active after the April 24, 2026 California ruling.
  • Judge found Credit Genie cash advances are consumer credit, exposing TILA and MLA liability.
  • A ruling forcing loan reclassification would crush fees and threaten the cash-advance business model.

What makes Credit Genie unique

  • Cash Boost offers up to $150 with no interest and no credit check.
  • Credit Genie combines budgeting, overdraft alerts, and AI insights in one mobile app.
  • Ed Harycki brings Swift Capital, PayPal, Barclays, and MBNA underwriting experience.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Unlimited Paid Time Off

Flexible Work Hours

401(k) Retirement Plan

401(k) Company Match

Stock Options

Wellness Program

Growth & Insights and Company News

Headcount

6 month growth

-2%

1 year growth

3%

2 year growth

0%
PR Newswire
Oct 20th, 2023
Credit Genie Secures $10 Million in Financing to Expand its Innovative Approach to Behavioral Finance and Personalized Budgeting

/PRNewswire/ -- Creditly Corp., dba Credit Genie, a leading digital personal finance platform that has served more than one million Americans, announced today...

PR Newswire
Oct 20th, 2023
Credit Genie Secures $10 Million In Financing To Expand Its Innovative Approach To Behavioral Finance And Personalized Budgeting

PLYMOUTH MEETING, Pa., Oct. 20, 2023 /PRNewswire/ -- Creditly Corp., dba Credit Genie , a leading digital personal finance platform that has served more than one million Americans, announced today the successful completion of an additional funding round, securing $10 million in capital, bringing its total financing to $21 million. The funding was led by Khosla Ventures, with participation from Tippet Ventures. With the new funding, Credit Genie will expand its product line and hire top talent to scale its innovative approach to behavioral finance, budgeting and cash/credit management.Credit Genie's innovative use of artificial intelligence (AI) and machine learning helps to revolutionize risk management and personalized budgeting for the financial middle class, providing people with accurate and individualized financial insights that can help improve their financial well-being.Credit Genie aims to help millions of people access efficient credit at fair rates to improve their financial wellbeing. Post thisThe company aims to help millions of consumers access efficient credit at fair rates, using technology that analyzes diverse data points such as behavior, chat and qualitative indicators. The collective analysis identifies a person's desire to elevate their lifestyle and financial well-being, providing more accurate predictions and insights than traditional credit scoring methods

PR Newswire
May 31st, 2023
Credit Genie Secures $4 Million Series A Financing To Expand Its Innovative Approach To Behavioral Finance And Personalized Budgeting

PLYMOUTH MEETING, Pa., May 31, 2023 /PRNewswire/ -- Creditly Corp., dba Credit Genie , a digital personal finance platform that has helped more than one million Americans, announced today that it has raised $4 million in Series A financing. The funding round was led by Tippet Ventures and Khosla Ventures, with participation from Gabriel Investments. Credit Genie's innovative use of artificial intelligence (AI) and machine learning helps to revolutionize risk management and personalized budgeting for the financial middle class, providing them with accurate and individualized financial insights that can help improve their financial well-being.With the new funding, Credit Genie will expand products and hire top talent to scale its innovative approach to behavioral finance, budgeting and cash/credit management. The company aims to help millions of consumers access efficient credit at fair rates, using cutting-edge technology that analyzes diverse data points such as behavior, chat and qualitative indicators. This collective analysis identifies a person's desire to elevate their lifestyle and financial well-being, providing more accurate predictions and insights than traditional credit scoring methods."We believe Creditly Corp's innovative approach to delivering financial insights and credit-related services has the potential to play a leading role in the mobile financial services space," said Andy Sheehan of Tippet Ventures. "Their technology has already demonstrated impressive results, and we are excited to support their continued growth and expansion."Credit Genie's mobile platform delivers financial insights and credit-related services that use personal transaction data instead of traditional credit data to extract financial intents and desires behind the transactions

Intelligence360 News
Nov 30th, 2022
Bryn Mawr Pennsylvania Based Creditly Dba Credit Genie Is Raising $2,999,992.00 In New Equity Investment.

Bryn Mawr, PA – According to filings with the U.S. Securities and Exchange Commission, Creditly dba Credit Genie is raising $2,999,992.00 in new funding. Sources indicate as part of senior management Chief Executive Officer, Edward Harycki played a key role in securing the recent investment and it will aid in aggressively expanding the company, as well as broaden and accelerate product development. About Creditly dba Credit Genie