Senior Product Manager – Credit, Cash Advance, Lending
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Job Description
Senior Product Manager overseeing cash advance and lending products at Alt. Facilitating underwriting, risk management, and user experience enhancements for the credit system.
Responsibilities:
- Own underwriting logic for both cash advances and loans.
- Partner with Data Science to refine model thresholds, LTV caps, expected-loss calculations, and override rules.
- Improve calibration between expected loss (EL) and actual portfolio performance.
- Ensure decisioning is fast, consistent, and scalable across asset categories.
- Own the borrower UI/UX end-to-end: application → offer → funding → repayment.
- Improve clarity, trust, and ease-of-use in the borrowing experience.
- Reduce friction and increase completion rates for both cash advances and loans.
- Develop features that encourage responsible, repeat borrowing.
- Monitor loss rates, delinquency, utilization, and customer repayment behavior.
- Work with Finance to maintain healthy margins and capital efficiency.
- Implement guardrails that reduce adverse selection and improve overall risk quality.
- Build dashboards and reporting that clearly communicate model health.
- Own CX/Ops flows related to funding, repayment, manual review, and exceptions.
- Reduce operational overhead through automation and clear logic pathways.
- Ensure operational processes scale with volume while maintaining strong controls.
- Build and own the quarterly roadmap for cash advances and lending.
- Align Engineering, Data Science, CX, Finance, Compliance, and Marketplace Ops.
- Communicate priorities clearly and drive disciplined, cross-functional execution.
Requirements:
- 5–8+ years of PM experience in credit, lending, underwriting, risk, or fintech
- Strong understanding of underwriting logic, expected-loss modeling, delinquency, and LTV frameworks.
- Comfortable interpreting model outputs and turning them into credit rules and customer-facing flows.
- Experienced partnering with Finance, Data Science, CX, and Engineering.
- A product thinker who can simplify complex financial decisions into clear, user-friendly interfaces.
- Able to operate at multiple altitudes — from credit model details to high-level product strategy.
- You move fast, take ownership, and communicate clearly.
Benefits:
- $100/month work-from-home stipend
- $200/month wellness stipend
- WeWork office stipend
- 401(k) retirement benefits
- Flexible vacation policy
- Generous paid parental leave
- Competitive healthcare benefits, including HSA, for you and your dependent(s)
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