Senior PMM · U.S. work-authorized

I help fintech products win customers — from launch to adoption.

Product Marketing Manager with 7+ years of experience launching payments, digital banking, and credit card products from 0 to 1M+ users.

Key impact metrics
DASHBOARD · v7.0
LIVE
20K+
New credit card sign-ups
LIVE
+42%
Conversion vs. benchmark
LIVE
3.2x
Credit card activation lift
LIVE
+30%
Credit card sales growth
LIVE
+18%
Paid-tier conversion uplift
LIVE
#2
Global app feature — The Banker
Value I Bring
01

Position

I turn product features into clear positioning that makes financial products easier to understand, trust, and buy.

02

Launch

I build GTM plans that align teams, channels, messaging, and sales enablement into scalable, high-impact launches.

03

Grow

I use lifecycle strategy, funnel insights, and performance data to drive acquisition, activation, engagement, and adoption.

Case Study 01Go-to-Market·Credit Cards·Acquisition Growth

Launching a Visa Credit Card From 0 to 1.

Visa 100 days credit card key visual
0 → 1 Launch

Led a new Visa credit card launch from customer insights to multi-channel GTM.

Live
20K
New credit card sign-ups
Live
+42%
Conversion vs. benchmark
Research
4
Customer segments researched
Channels
7
App · Email · Digital · Social · Branch · OOH · Radio
Challenge

The challenge was to bring a new Visa credit card from idea to market with clear customer segments, differentiated positioning, and compliant messaging.

My role

Led product marketing from 0 to 1 — customer research, persona development, product shaping, positioning, compliant messaging, stakeholder alignment, and multi-channel GTM execution.

Back-to-School Growth Campaign

Built seasonal GTM around family spending needs and card adoption.

SEASONAL · CAMPAIGN
Back-to-school campaign — Get what you need, 100 days to pay (boy)Back-to-school campaign — Get what you need, 100 days to pay (girl)
Challenge

Back-to-school is a financially stressful time for families, so I needed to position the card as a flexible spending solution and drive adoption in a highly competitive acquisition season.

My role

Built the back-to-school GTM strategy around the card's flexible-payment value, aligning messaging, family-led creative, and full-funnel execution.

Key results
Product launch
20K
New credit card sign-ups
Conversion
+42%
Lift vs. benchmark
Research
4
Customer segments researched
Media mix
7
Channels: app, branch, email, digital, social, OOH, radio
Case Study 02Go-to-Market·Financial Membership·New Product Launch

Launching a Financial Membership Platform From 0 to 1.

Financial membership platform key visual
0 → 1 Launch

Launched a tiered financial membership platform, repositioning classic cards into a clearer everyday money experience.

Live
4
Membership tiers launched
Live
+18%
Paid-tier conversion uplift
Adoption
+30%
Digital card usage growth
Channels
7
App · Web · Email · Branch · Social · Digital · OOH
Challenge

Customers faced too many card options, fees, benefits, and conditions, making it harder to choose the right product. The business needed a simpler membership architecture that made value easier to understand.

My role

Partnered with Product and Research to shape membership strategy, product packaging, monetization model, and tiered benefits architecture. Led product marketing for launch, including positioning, messaging, GTM strategy, and multi-channel execution.

Membership Architecture

Four tiers. One clear value ladder.

PRODUCT · ARCHITECTURE
Digital membership
Classic membership
Gold membership
Signature membership
Key results
Launch Scope
4
Digital, Classic, Gold, Signature membership tiers
Monetization Impact
+18%
Paid-tier conversion upgrades
Adoption Growth
+30%
Digital card usage growth
GTM Reach
7
GTM launch: app, web, email, branch, social, digital, OOH
Case 02 ExtensionFamily Plan·Household Adoption

Scaling the Membership Platform With a Family Plan

Family Plan campaign hero with father and son and Mint card design
Family Plan Launch

Launched a Family Plan that turned shared benefits and special card designs into one simple offer for families.

Conversion
+21%
Family add-on conversion uplift
Adoption
+17%
Family Plan adoption uplift
Usage
+24%
Additional card usage growth
Designs
3
Mint, Violet, Rose family card designs
Family Plan campaign visual with Rose card design
Family Plan campaign visual with Violet card design
Challenge

Families needed an easier way to manage shared spending, extra cards, and everyday banking needs in one plan. The business needed to expand the membership platform beyond individual users with a clearer value proposition for family adoption.

My role

Led the Family Plan launch, shaping positioning, value proposition, messaging, card-design story, and GTM strategy. Partnered with Product, Creative, Research, and Digital to translate the family-focused offer into a clear product narrative across key customer-facing channels.

Card Designs for the Whole Family

Special designs made the Family Plan feel more personal.

MINT · VIOLET · ROSE
Mint
Card Design
Mint Family Plan card design
Violet
Card Design
Violet Family Plan card design
Rose
Card Design
Rose Family Plan card design
Family Plan Results
Conversion
+21%
Family add-on conversion uplift
Adoption
+17%
Family Plan adoption uplift
Usage
+24%
Additional card usage growth
Design System
3
Family card designs launched: Mint, Violet, Rose
Case Study 03Mobile Banking·App Relaunch·Competitive Repositioning

From a Banking App to a Daily Money Companion

INSNC mobile banking app — customize your home screen hero key visual
0→1 Mobile-First Relaunch

Repositioned a mobile banking app as a personalized daily money management platform.

Reach
1M+
App downloads
Quality
4.5★
App store rating
UX
+30%
User journey efficiency
Launch
0→1
Mobile-first relaunch
CHALLENGE

The app had strong brand recognition but needed greater relevance as customers expected faster, simpler, more intuitive money management. The challenge was to reposition it as a modern digital-first platform, not just a servicing tool.

MY ROLE

Led product marketing for the app relaunch, shaping the value proposition, messaging, and GTM strategy while partnering with Product, UX, Creative, and Analytics to align the experience around daily money management.

Strategy

Partnered with Product and UX to improve 300+ customer journeys and develop messaging frameworks for daily banking.

INSNC app — digital banking membership with no monthly fee
INSNC app — send money by phone number, card, or account
Key Results
Reach
1M+
App downloads
Quality
4.5★
App store rating
UX
+30%
User journey efficiency
Launch
0→1
Mobile-first relaunch
Case Study 04Digital Product Launch·Personalization·Mastercard Partnership

A Card That Feels Like You.

Digital Card Skins launch — Choose the one that feels like you
#2 Global Feature · The Banker

Launched Digital Card Skins, turning card design into a personalized wallet experience.

LIVE
#2
Global feature — The Banker
LIVE
30%
Digital engagement growth
Live
500K
People reached via UGC
Live.
10
Customer-created card skins
Challenge

In a crowded fintech market, I needed to position a new card feature as a clear reason to choose and engage with the mobile app.

My role

Led product marketing strategy — positioned Digital Card Skins as a wallet personalization experience, shaped the Mastercard co-brand story, and turned a music festival activation into customer-created card skins.

Customer-Created Card Skins

Music festival attendees co-created card skins.

UGC · CAMPAIGN
Rainbow Coast
Neon Gaze
Liquid Dream
UFO Night
Key results
LIVE
#2
Global feature — The Banker
LIVE
30%
Digital engagement growth
Live
500K
People reached via UGC
Live.
10
Customer-created card skins
Case Study 05Credit Cards·Lifecycle Growth·Product Adoption

Making Credit Cards Feel More Human.

St. Valentine’s Day campaign key visual
St. Valentine’s Day Campaign Key Visual
Challenge

Credit card marketing often defaults to rates, limits, and rewards. I needed to make the product more memorable and easier to understand while driving acquisition, activation, and retention.

My Role

Led PMM for seasonal credit card lifecycle campaigns, defining positioning, messaging, and GTM strategy. Partnered with Creative to build a mascot-led platform that simplified product benefits and made the credit card experience more memorable across customer touchpoints.

Campaign assets

The mascot in motion

bear mascot
bear pattern
Case ExtensionInfluencer-Led Valentine’s Activation·Creator Content

Turning a gifting use case into creator-led storytelling.

Creator wearing the Alfa Bear heart-shaped Valentine campaign cue
Creator hero
Product Storytelling

Creator-Led Valentine’s Activation

Turned the credit card’s gifting use case into a timely Valentine’s activation, using creators to make the product feel more personal and memorable.

Gifting Use Case

Positioned the credit card as a simple way to make Valentine’s gifts feel more special.

Creator Activation

Turned gifting value into Valentine’s storytelling and audience love stories.

Alfa Bear heart-shaped Valentine campaign cue
Campaign Hook

The heart-shaped Alfa Bear connected Valentine’s emotion to the card’s gifting value.

Creator Grid
Creator Grid

A creator grid showed scale and invited followers to share love stories for a card-purchased gift.

Creator Storytelling
Creator Storytelling

Creators made the card’s gifting use case feel personal, timely, and easy to share.

Case ExtensionCreator & Experiential GTM·Holiday Retail Activation

Turning an installment benefit into a shareable holiday experience.

Holiday credit card key visual featuring the bear mascot
Christmas Campaign Key Visual
Large Alfa Bear installation holding a black credit card
Retail proof point
Alfa Bear
Creator & Experiential GTM

Alfa Bear Holiday Activation

Built a holiday promo activation around the credit card’s installment benefit, giving customers a clear reason to use the card, claim an Alfa Bear, and share the experience.

Activation Metric
3.2x

Card activation lift

Revenue Metric
+30%

Credit card sales growth

Reach Metric
2M+

Social & digital reach

Retention Metric
−30%

Churn reduction

Holiday Retail Installation
Holiday Retail Installation

Made the card benefit visible during Christmas shopping with a glass cube filled with red Alfa Bears.

Claim Message
Claim Message

Made the next step simple and customer-facing: claim your Alfa Bear.

Customer Moment
Customer Moment

Gave cardholders a clear reason to use the card, visit the activation, and engage with the brand.

Key Results
Activation
3.2x
Card activation lift
Revenue
+30%
Credit card sales growth
Reach
2M+
Social & digital reach
Retention
−30%
Churn reduction
Let's build

Hiring for a Senior PMM in fintech?

Payments, credit cards, digital banking, growth, or partner-led financial products — I'd love to talk.

© 2026 Kate Karzhanok · Senior Product Marketing ManagerU.S. work-authorized · Open to relocation