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    Michael Ducker

    Michael Ducker

    Invented Chime Credit Builder
    Founded Pinch (acq. by @Chime).
    Mobile Product @twitter.

    Founder San Francisco Olin College '09
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    Experience
    Join me at Chime!
    46 Open Positions · $90k–$319k/yr
    View Jobs
    Chime
    Chime
    Director, Product Management 2018 - Present (almost 8 years)
    Currently, Director Technical Strategy, supporting the CTO and SVP of Engineering, I lead the development of Chime's technical strategy and how it enables, supports, and... more fosters the innovation and rapid execution across all of our product and engineering teams.

    Previously, I started and built Chime's engineering product management team, a dozen product managers that develop our underlying financial platform (ledgers, payment gateways, ach processing, bank settlements), application services, data science, and machine learning platforms to support the creativity and needs of all Chime's engineers, product managers and designers to invent the next generation of financial products.

    Following Chime's acquisition of Pinch in September 2018, I bootstrapped the team and led the definition, development, iteration, public launch and scaling to >1 Million people of Chime Credit Builder and Chime's relationships with Stride Bank, Transunion, Experian, and Equifax.

    Credit Builder is a complete reinvention of the secured card - with no fees, 0% APR, no credit check to apply and no minimum security deposit. Furnishing payment history to all 3 bureaus, Transunion found that the average member using Credit Builder increased their credit score by 30 points, and 95% of members without a score gained one after using Credit Builder.
    Pinch
    Exit
    Pinch
    CEO, cofounder 2016 - 2018 (over 2 years)
    At pinch, we are on mission to help increase the financial stability of millennials.

    Through a customer driven process we built a insurance product that included lines... more of credit to cover at fault, but random events, a full money transmitter licensed payments stack to allow you to break up your rental payments to match your income while keeping all of the advantages of paying with a money order, and most recently, the first ever way to add your rental payment history to all 3 major credit bureaus from an app on your phone.

    We were featured in Lifehacker, Nerdwallet, and built a passionate organic customer-base. Many of our customers were able to increase their credit by up to 100 points, saving thousands of dollars a year on their car insurance and loan payments.
    Twitter
    Exit
    Twitter
    Group Product Manager 2011 - 2016 (over 4 years)
    Led product team and strategy for Twitter, off of Twitter. Products managed by my team included Embedded Tweets&Buttons, TwitterKit, TweetDeck, and Digits (acquired by... more Google).

    Led company wide strategy for publishers: Shipped Embeddable Moments on Web and Mobile Web, and ecosystem for curation of Tweets. Led Twitter's participation in AMP. Shipped Curator, Publish, Embedded Grid, TwitterKit Native Timelines, Collections API, Tweet Composer for Apps, Digits Email in my keynote at Flight in 2015.

    Shipped Tweets in Google Search, visual refresh of the embedded Tweet, Collections API and embedded Timelines in Twitter SDKs.

    Founding Product Manager of Digits - a simple, safe way of using your phone number to sign in to your favorite apps and websites. Shipped during my keynote at Twitter's flight conference in 2014, we continue to listen to our customers and ship major updates monthly. Digits was acquired by Google as part of Fabric, and now is at the core of Firebase Phone Auth.

    Shipped TwitterKit, Twitter's SDK for iOS and Android for syndication of Twitter content and identity.

    Previously: Focused on Twitter's consumer efforts on Mobile, Web, and Tablet focused on growing Twitter through international development:

    Shipped a redesigned Twitter.com, affording a clean modern look and enhanced customizability to one of the world's largest websites. Shipped Twitter's emoji set, now open-sourced and available for all.

    Shipped Twitter for Windows 8, and Twitter for Android Tablet, embracing unique functionality to each platform.

    Shipped our HTML5 touch friendly tablet website, and revamped numerous parts of our iPhone/Android website increasing app downloads, improving performance, and proving out Twitter's mobile experimentation platform.

    Shipped modern overhaul of feature phone websites, updated our SMS partnerships, SMS fast follow, and phone number products, and built the Twitter Access mobile operator product (zero rating).
    Microsoft
    Microsoft
    Program Manager 2009 - 2011 (over 2 years)
    Founder
     
    Employee
    Twitter, Microsoft, Pinch, Chime
    Investor
     
    Incubator
     
    Advisor
     
    Attorney
     
    Board Member
     
    Mentor
     
    Member
     
    Acquired
     
     
    Projects
    Pinch Rent
    Build your credit just by paying your rent
    Maia Bittner
    With Maia Bittner
     
    Education
     
    About
    Skills
    Product Management Mobile Development FinTech Product Strategy API
    Locations
    New York City Silicon Valley San Francisco Boston Minneapolis Seattle
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