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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