Our Financing & Loyalty Technology team builds the products that shape how customers pay for their homes and what they get back for choosing us — consumer financing across multiple providers, the Wayfair Credit Card, and Wayfair Rewards, our membership program. Together these are among the most direct levers Wayfair has on customer lifetime value, and they touch millions of customers every week. A sofa, a mattress, a full room — these are purchases customers plan around, and for many of them the ability to pay over time is what turns a browse into an order. Financing is one of the most direct levers we have on whether a customer can say yes. Wayfair offers financing through a portfolio of third-party partners. We strive to create capabilities that work across every partner, so that adding the next one is a configuration rather than a rebuild. You will own the financing experience across the full funnel. That starts well before checkout — helping customers understand affordability while they are still browsing, and surfacing targeted prequalification at the moments where it helps rather than intrudes — and runs all the way through cart and checkout, where the customer chooses how to pay. It also includes our financing messaging: both the everyday presentation of monthly pricing and terms, and the special promotional campaigns we run through the year, along with the toolkit that makes those campaigns repeatable instead of bespoke every time. Financing sits next to the Wayfair Credit Card, Rewards, and Payments, and the customer does not experience these as separate products — so you will work closely with those teams, alongside Engineering, Design, Data Science, Analytics, Commercial, and Legal. Externally, you will be the day‑to‑day product counterpart to our financing partners. Own the product plan for financing:



Develop shared capabilities — eligibility, offer presentation, routing, messaging — so that supporting an additional financing partner does not mean starting over. Identify where a specific partner offers something genuinely differentiated, and make the call on when that is worth building for directly. Target the right provider and offer to the right customer: Decide who sees which financing option and which offer, rather than showing everyone the same thing. Work with Data Science on eligibility signals, prequalification targeting, and personalized purchase power. Run financing messaging and promotions: Own everyday monthly‑pricing and terms messaging across surfaces, deliver the special promotional financing campaigns, and build the toolkit that makes each campaign faster than the last. Work closely with the Credit Card, Rewards, and Payments teams so that what a customer sees across these products is coherent rather than competing. Be the product counterpart to our third‑party financing providers — translate program mechanics and contractual commitments into requirements, and keep integrations healthy. Financing is full of edge cases and real constraints. Work with Legal and Compliance so that disclosures, terms, and promotional claims are accurate everywhere they appear. Define success metrics, track financing attach and approval rates and their effect on conversion and order value,



and run structured experiments with Data Science to validate what works. You have 5+ years of product management experience, ideally in consumer fintech, payments, lending, or e‑commerce checkout. You are analytical and comfortable working directly with data to size an prospect, diagnose a problem, and read a test result honestly. You have enough technical fluency to work well with engineers on how a system should behave. You have a Bachelor's degree in Computer Science, Computer Engineering or equivalent combination of education and experience. Assistance For Individuals With Disabilities Wayfair is fully committed to providing equal opportunities for all individuals, including individuals with disabilities. As part of this commitment, Wayfair will make reasonable accommodations to the known physical or mental limitations of qualified individuals with disabilities, unless doing so would impose an undue hardship on business operations. Wayfair is one of the world’s largest online destinations for the home. Whether you work in our global headquarters in Boston, or in our warehouses or offices throughout the world, we’re reinventing the way people shop for their homes. Through our commitment to industry‑leading technology and creative problem‑solving, we are confident that Wayfair will be home to the most rewarding work of your career. We’re a community of innovators, risk‑takers, and trailblazers who celebrate our differences, and know that our unique perspectives make us stronger, smarter, and well‑positioned for success. We value and rely on the collective voices of our employees, customers, community, and suppliers to help guide us as we build a better Wayfair – and world – for all. We do not discriminate o

📌 Product Manager, Financing (Toronto)
🏢 Wayfair
📍 Toronto