About
Xapo Bank offers BTC and USD accounts that pay interest, a global card with Bitcoin cashback, Bitcoin-backed loans, BTC wealth and credit products, and access to stocks, ETFs, and stablecoins within a regulated banking relationship.
Responsibilities
•Own the retail and institutional Customer P&L, including customer contribution, assets held, and margin
•Grow member balances through deposits and savings, lending and credit, trading, and structured products
•Lead Growth across audience, lifecycle, and content; improve customer acquisition cost and approval-to-paid conversion
•Own member retention and Client Coverage, including relationship managers, net new AUM flow, covered-book retention, and products per covered member
•Lead Product Design, establish one design system and shell, and work with Finance and Operations to improve the member experience
•Build one operating model across Growth, Client Coverage, Mission PMs, and Product Design, with shared key results, discovery and prioritisation frameworks, and career paths
•Align Engineering to a single ranked roadmap and ensure every owner explains their results weekly
•Apply regulated-banking and crypto-native perspectives to customer decisions
•Lead from within the work by participating in reviews, client meetings, and member calls
•Build data-backed business cases to influence priorities and diagnose structural causes of funnel, churn, and product-economics issues
•Deliver measurable improvements in LTV:CAC, approval-to-paid conversion, churn, or net new AUM flow during the first 90 days
Requirements
•10+ years in senior commercial or customer leadership in digital banking, fintech, or payments, including meaningful experience in a regulated environment
•Hands-on experience building and growing customer propositions involving digital assets, custody, on-chain flows, Bitcoin-backed lending, or similar
•Experience owning a customer or product P&L measured by contribution, balances, and margin rather than transaction volume
•Fluency in NIM, unit economics, customer contribution, and LTV:CAC
•A track record of acquiring, activating, and retaining members in a regulated, KYC-heavy environment while improving approval-to-paid conversion and churn and maintaining justified CAC
•Experience leading product management for balance-sheet products such as savings, lending, or structured products, with Finance pricing and PMs owning product economics
•Ability to build customer business cases that withstand scrutiny from Finance, Risk, and Compliance
•A track record of measurable outcomes, including specific LTV:CAC, approval-to-paid, churn, AUM, or contribution results, decisions to stop unsupported bets, and provable outcomes
•A dedicated workspace and a reliable internet connection with the fastest speed possible in your area
•Alignment with Xapo's Values and Values-Driven Leadership principles
Nice to have: experience with client coverage or relationship-managed models for high-balance and institutional clients
Conditions
•Work from anywhere in the world
•Set your own work schedule and use a flexible PTO plan
•Receive a yearly budget for individual learning and development goals
