Job Purpose

We are seeking a Sr. Product Manager with deep expertise in Financial Services, preferably Consumer Finance, Strong financial acumen, and understanding of Technology. This role owns the end-to-end product lifecycle for one or more lending products and carries full P&L responsibility, ensuring products deliver profitable growth, optimized returns, and superior customer experience in a highly regulated environment.

Duties and Responsibilities

Strategic Ownership & P&L Accountability
- 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.
Customer & Market Insight
- Deeply understand borrower pain points, financial behaviors, and channel preferences.
- Act as the voice of the customer internally
- Ability to leverage customer and market research to build innovative product capabilities
Risk & Return Optimization
- 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.
Cross-Functional Leadership
- 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.).
Experimentation & Performance Monitoring
- 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.
Growth & Innovation
- 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.

Minimum Qualifications

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

Preferred Qualifications

Prior experience at subprime/near-prime lenders or Fintechs (e.g., OneMain, Credit Acceptance, Upstart, Affirm, Avant, Ally, etc.).
Experience with Loan Origination Systems, servicing platforms, and decision engines.

Key Skills and Traits

Customer obsession
Strong ability to collaborate and work in a team environment
Bias for action and ability to execute with a sense of urgency
Strong stakeholder management and executive communication skills.
Comfort operating in ambiguity and making data-driven decisions.
Familiarity with AI-enabled tools and ability to integrate them into workflows.

Working Conditions

This position works in an hybrid environment in the following locations

- Plano, TX

- Greer, SC

- Washington D.C.

- New York City, NY

Compensation for this position varies by experience and location. The expected range is between $150,000 and $225,000.

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