You are the PM for a mobile-first pay-over-time product used by millions of consumers at checkout and in a companion app to manage purchases, payments, and virtual card usage. Over the last quarter, app store reviews, support tickets, and user interviews have all increased, but the feedback is noisy and often contradictory: some users ask for more payment flexibility, others want clearer repayment visibility, and others complain about confusion during prequalification and checkout. Leadership wants a recommendation for what to build next because repeat usage has flattened at 1.3 transactions per active user per quarter, and 30-day retention for new app users has slipped from 42% to 38%.
How would you translate this qualitative feedback into a product recommendation, and how would you decide what to prioritize first?