About the Role

This role is at the intersection of marketing intelligence, credit strategy, and customer experience - focused on building the data products that help us reach the right customers at the right time with the right offer. You'll own a portfolio that includes our Customer Data Platform, AI and agentic marketing tools, and the partner ecosystem that powers our offer delivery. It's a high-impact role for someone who thrives where marketing data, lending strategy, and customer engagement come together.

What You'll Do

• Own the product roadmap for our marketing data products and Customer Data Platform (CDP) - from discovery through delivery and performance measurement
• Drive the vision for AI and agentic solutions that surface smarter marketing insights, including automated decisioning, personalization, and campaign optimization
• Work closely with credit strategy, marketing, and engineering to turn analytical insights into product capabilities customers experience
• Manage and grow our external partner ecosystem enabling data exchange capabilities with - credit bureaus, referral partner networks, and martech/adtech platforms like Google and Meta
• Write clear product requirements with well-defined acceptance criteria; use data and AI tools to inform prioritization and keep the backlog sharp
• Be the product voice for business stakeholders across the company - translating priorities into roadmap decisions and keeping people aligned on progress and tradeoffs
• Lead program increment (PI) planning for your product area - breaking initiatives into deliverables, aligning quarterly objectives across teams, and making sure we're committing to the right things each cycle
• Prioritize ruthlessly based on business impact, technical feasibility, and strategic fit - and stay hands-on through execution to remove blockers and keep delivery on track
• Participate actively in scrum ceremonies - sprint planning, standups, reviews, and retrospectives - as a day-to-day partner to engineering driving accountability and momentum.
• Provide oversight for prioritization, delivery execution, and realization of planned business outcomes.
• Track product performance across the offer lifecycle and use what you learn to keep improving strategy and execution

About You

• 6+ years of product management experience; bachelor's degree or higher, or equivalent combination of education and experience
• You own your product area end-to-end - from strategy through execution - and don't wait to be told where to focus next
• You're comfortable with data and analytics and can turn complex model outputs into clear, actionable product decisions
• You're someone stakeholders across the company trust - you get to the real problem, make good calls, and follow through
• You have good judgment and know how to balance speed, quality, compliance, and long-term thinking
• You use AI tools in your day-to-day work - for requirements analysis, product discovery, and research - and you're good at helping others do the same while knowing when not to rely on them
• You understand how AI and ML fit into credit and marketing decisions - the limitations, the regulatory context - and you don't cut corners on rigor
• You're curious about how data, AI, and partner ecosystems can change what's possible in customer engagement and you're always looking for better ways to work

Nice to Have

• MBA or advanced degree in business or a quantitative field
• Background in fintech or consumer lending
• Experience with CDP platforms, credit bureau data, or marketing decisioning tools
• Hands-on experience with martech/adtech platforms (Google, Meta, or similar) or managing data and referral partner relationships
• Experience working alongside credit modeling, risk strategy, or data engineering teams

Work Location
San Francisco

The above locations are eligible offices for this role. The locations have been determined to foster in-person collaboration with this role's team or the related business lines. We utilize a hybrid work model, and our teams are in-office Tuesdays, Wednesdays, and Thursdays. In-person attendance is essential for this role's success, and remote placement will not be considered. Happen Bank offers relocation, based on actual job level.

Time Zone Requirements
Local hours (PT)

While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.

Travel Requirements
As needed travel to Happen Bank offices and/or other locations, as needed.

Compensation
The target base salary range for this position is 176,000-207,000. The base salary of the role will be determined by job-related knowledge, experience, education, skills, and location. Base salary is just one part of Happen Bank's Total Rewards package. You may also be eligible for long-term awards (equity) and an annual bonus (which is based on company performance, employee performance and eligible earnings).

We're creating new financial services solutions for our members based on fairness, simplicity, and heart, and we treat our employees the same way. We offer a competitive benefits package that includes medical, dental and vision plans for employees and their families, 401(k) match, health and wellness programs, flexible time off policies for salaried employees, up to 16 weeks paid parental leave and more.

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