Senior Product Manager
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Job Description
Senior Product Manager in consumer finance overseeing product lifecycle and profitability. Collaborating cross-functionally to deliver superior customer experiences in regulated environment.
Responsibilities:
- Own the product roadmap and full Profit & Loss for assigned lending products (e.g., auto secured loans, unsecured personal loans)
- Develop pricing strategies, cost structures, and margin optimization plans to achieve revenue and profitability targets
- Monitor and manage financial performance, including approval rates, loss ratios, contribution margins, and return on capital
- Deeply understand borrower pain points, financial behaviors, and channel preferences
- Act as the voice of the customer internally
- Partner with Data Science, Credit Risk, and Underwriting to design risk-based pricing, credit policy tiers, limit strategies, and alternative data models that expand access while improving risk-adjusted returns
- Evaluate product investments using ROI, RAROC, and payback period metrics; prepare business cases for new initiatives
- Lead squads across engineering, design, compliance, legal, marketing, and operations to deliver features on time and within budget
- Ensure every product and feature complies with federal and state regulations (TILA, Reg Z, ECOA, FCRA, UDAAP, etc.)
- Design and launch A/B tests and champion/challenger experiments to optimize conversion, repayment behavior, and lifetime value
- Monitor post-launch cohort performance (approval rate, delinquency, charge-off, prepayment, profitability) and iterate rapidly
- Identify new product opportunities: asset classes, partnership channels (dealers, BNPL, employers, third party referrals), embedded finance, etc.
- Collaborate with Marketing and Distribution on go-to-market strategies and sales funnel optimization
Requirements:
- 5+ years of product management experience; at least 2 years in consumer lending or fintech (subprime/near-prime preferred)
- Bachelor’s degree in Finance, Economics, Engineering, Business Analytics, or related field; MBA a plus
- Proven track record of launching and scaling lending products that improved returns and profitability
- Strong financial acumen: experience with P&L management, ROI analysis, and pricing strategy
- Deep familiarity with credit risk, scorecards, and alternative data sources
- Knowledge of Regulatory landscape in consumer lending in the U.S.
- Analytical and Communication Skills: Ability to leverage various analytics and communicate a story articulating key trends in the business
Benefits:
- comprehensive medical, dental, and vision plan
- 401k plans with a company match
- PTO and paid holidays
- paid parental leave
- employee assistance program for mental health and counseling
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