Product Designer, Lending

About the RoleClutch is expanding its design team We're looking for a Product Designer to help us create intuitive, seamless, and human-centered experiences that power our loan application and lending workflows.This designer will focus primarily on improving how borrowers and credit union employees interact with Clutch's lending platform — simplifying complex workflows, clarifying financial information, and ensuring every step of the process feels effortless and trustworthy.We're seeking someone who's passionate about understanding users' goals, translating insights into clear, beautiful, and functional interfaces, and collaborating with cross-functional partners to ship impactful solutions that drive measurable results.About the TeamAt Clutch, design isn't just a department—it's the driving force behind our mission.We believe a seamless user experience can empower credit unions to compete and offer superior banking to everyday people.By crafting intuitive experiences, we help credit unions guide their members toward financial freedom.Our growing design team is fully remote in the U.S. and Brazil.It is diverse, collaborative, ambitious, and empowered to take on our company's biggest challenges.What You'll DoWithin 3 months, you will:Get Oriented: Develop a deep understanding of Clutch's lending products, user journeys, and the financial services ecosystem we serve.Build Relationships: Collaborate closely with product managers, engineers, and credit union partners to understand needs and constraints.Contribute Early: Take ownership of small-to-medium design projects, from early discovery through detailed design and delivery.Within 6 months, you will:Design & Ship End-to-End Flows: Lead design for specific areas of the loan application experience — improving clarity, reducing friction, and creating intuitive interactions for both borrowers and operators.Drive Clarity Through Research & Testing: Conduct user interviews, concept tests, and usability sessions to inform design decisions and validate ideas.Collaborate Deeply with Product & Engineering: Partner closely with PMs and engineers to translate user and business needs into polished, production-ready designs.Contribute to Team Growth: Share feedback and help improve design critique, documentation, and design processes across the team.Within 9 months, you will:Shape Key Product Experiences: Lead design for critical workflows across the lending journey — from application intake and decisioning to communication and follow-up.Champion User-Centered Design: Advocate for users' needs in roadmap discussions and help the broader team prioritize experience quality.Influence Product Direction: Contribute insights from research and data to help shape the future vision for Clutch's lending platform.What You'll BringExperience: 3–5 years of experience as a product designer, preferably within fintech, SaaS, or other complex workflow environments.Craft: Strong visual and interaction design skills; able to create clear, elegant, and effective solutions for multi-step or data-heavy experiences.User Empathy: Skilled at uncovering user needs through research and using those insights to inform design decisions.Collaboration: Experience working closely with product and engineering partners to define problems, explore solutions, and ship high-quality products.Communication: Excellent storytelling, documentation, and presentation skills; able to clearly explain both design outcomes and reasoning.Ownership: Comfortable driving medium-scope projects independently, managing feedback, and iterating quickly in a fast-paced environment.Bonus PointsExperience designing financial or data-driven workflows (e.g., lending, underwriting, CRM, or back-office tools).Experience with consumer onboarding or application flows that balance simplicity, compliance, and trust.Experience working with fintechs and/or credit unions.Interest in AI-assisted product experiences or automation in financial services.Please note that this role may evolve as our business needs change, so we appreciate your flexibility and adaptability.What's In It For You?Remote Flexibility: Enjoy the freedom of remote work from anywhere, balancing life and career seamlessly.Unforgettable Off-Sites: Twice a year, bond with colleagues in exciting destinations, fostering teamwork and fresh ideas.Paid Time Off and National Holidays: Enjoy 20 PTO days yearly and the National Holidays for relaxation and rejuvenation.Stock Options: Joining us means having a stake in our success, so you'll receive stock options as part of your compensation package.Home Office Setup: Create your ideal workspace with a dedicated budget for home office essentials.Work Trip Budget: Grow personally and professionally with a budget for work-related trips and co-working.About UsClutch is a revolutionary vertical SaaS company, proudly backed by Andreessen Horowitz (A16z), aimed at revolutionizing the way Credit Unions engage and change the lives of their members.As a champion of financial well-being, we address the urgent need for affordable lending solutions in an era where the average American grapples with over $155,000 in household debt.Unlike traditional financial institutions, Clutch develops software to turn Credit Unions into FinTech lenders and leverage their balance sheets to responsibly lend to over 130M Americans.Our mission extends beyond mere financial transactions; we strive to fundamentally enhance the way credit unions interact with their members.By integrating cutting-edge technologies and user-centric designs, we help credit unions provide seamless digital experiences that are on par with leading tech companies.This approach not only preserves but revitalizes the longstanding tradition of community and member-focused service inherent to credit unions.Please note: This position is offered on a contractor basis.Applicants must have the necessary documentation and authorization to work in the country where the job is located.Clutch cannot provide sponsorship or assist with obtaining work permits for this role.Clutch is an equal opportunity employer.All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.