ALT

Senior Product Manager – Credit, Cash Advance, Lending

ALT

full-time

Posted on:

Location Type: Remote

Location: Remote • 🇺🇸 United States

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Salary

💰 $170,000 - $180,000 per year

Job Level

Senior

About the role

  • 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)

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard skills
underwriting logicexpected-loss modelingLTV frameworkscredit rulesdashboard buildingreportingautomationrisk quality improvementportfolio performance monitoringcustomer repayment behavior analysis
Soft skills
communicationownershipcross-functional executionproduct thinkingsimplifying complex decisionsclaritytrust buildinguser experience improvementoperational scalingdecisioning