Oportun

Product Manager

• Articulate product strategy, set objectives and key results, define roadmaps, and work with the cross-functional team to deliver best-in-class solutions.
• Drive a cross functional team of Engineers, designers, ML scientists and business to deliver business impact.
• Maintain a deep understanding of customer needs and feedback through user research, surveys, and feedback loops, and incorporate this insight into product enhancements.
• Leverage data and analytics to make informed decisions, monitor product performance and continuously improve product to improve KPIs.
• Scope and lead the development of new product features that will increase the financial health of our users.
• Work closely with compliance and risk management teams to ensure products adhere to regulatory requirements and industry best practices.
• Develop and manage product budgets, forecasts, and financial models to optimize resource allocation and track financial performance.
• Effectively communicate product updates, priorities, and progress to internal stakeholders, executive leadership, and external partners.

Principal Product Manager

Full-stack Engineer

• Design, build, test, deploy, and maintain scalable, reliable platform services and shared libraries.
• Contribute to platform and system architecture decisions with a focus on reliability, scalability, and developer experience.
• Write high-quality, maintainable code and set a strong example of engineering best practices.
• Collaborate with Staff Engineers and peers to implement standards and patterns that support Continuous Delivery.
• Identify and address performance, scalability, and reliability issues across platform services.
• Participate actively in design reviews, code reviews, and technical discussions, providing thoughtful and constructive feedback.
• Drive operational excellence by improving monitoring, alerting, and incident response practices.
• Investigate root causes of production issues and implement long-term fixes to reduce on-call burden.
• Mentor and support junior and mid-level engineers through code reviews, pairing, and technical guidance.
• Partner with cross-functional teams to understand requirements and deliver solutions that create measurable business and customer value.

Senior Software Engineer

Risk

• Gain exposure to key areas such as risk underwriting, pricing, and direct mail marketing with the opportunity to specialize and focus on a specific area based on interest and business needs
• Partner with product, data science and engineering to design and implement tests; turn learnings into actionable strategies, presenting findings to stakeholders to influence decision making
• Develop and maintain valuation frameworks to determine profitability at the margin; recommend changes to risk strategies to maximize profitability and ensure required return on capital for all risk segments
• Develop dynamic risk assessment frameworks using alternative data to evaluate creditworthiness and optimize direct mail marketing/targeting
• Design strategy ramp-up to support the expansion in new channels, new geographic regions and/or new partner sources while ensuring portfolio resilience
• Support the development of pricing strategies and practices, balancing revenue optimization with enterprise objectives and customer experience
• Monitor portfolio performance, refining strategies to minimize defaults while maximizing credit access for the underserved

Senior Analyst, Risk Management

• You lead the end-to-end delivery of complex software applications, ensuring adherence to best practices and high overall quality standards.
• You create frameworks and abstractions that lessen the workload of other engineers. Your documentation and tutorials enable other teams to leverage your work independently. You identify and resolve improvements in test coverage for end-to-end business flows across multiple systems (and teams). You introduce new tools, techniques, and coding patterns to other engineers, some of which may be developed by yourself, and drive this change to other teams.
• You drive technical decision-making, contribute to, and sometimes lead, architectural discussions, and propose innovative solutions to address complex technical and/or systemic architectural challenges. You collaborate across teams and build systems to address architectural gaps.
• You take ownership of critical projects and initiatives, providing project leadership, and ensuring successful delivery through effective project management and communication. You engage with stakeholders across the group, understanding their needs and working through the complexity and conflicting goals.
• You have the ability to provide a clear and concise explanation of business strategy, technical concepts, designs or implementation to a non-technical audience. You collaborate closely with product managers, designers, and fellow engineers to gather and translate business requirements into efficient and scalable software solutions. You have a track record of leading cross-team efforts that deliver meaningful results across engineering, product, and/or design. You work through technical, organizational and scheduling complexity to align teams and deliver results in a positive way for the people and teams involved. Your interactions build trust and speed at scale into our organization.
• You are the technical thought leader of the team, and provide necessary guidance and mentorship to senior team members whenever required.
• You play the key technical counterpart to an engineering manager with a larger team; you can provide effective feedback to engineering managers at all levels to identify and help address gaps in their teams.
• You successfully advocate for technologies and processes that make multiple teams more efficient.
• You conduct rigorous code reviews, offering valuable feedback to maintain code quality, performance, and maintainability.
• You continuously identify opportunities for process improvements and efficiency gains within the software development lifecycle.
• You stay informed about emerging technologies, industry trends, and best practices, and proactively introduce relevant advancements to enhance our products and services.

Staff Software Engineer

Project Manager

• Lead end-to-end delivery of large-scale, cross-functional projects from initiation through execution and closure
• Assist (Directors of Operations, Operations, Product, and Engineering teams) with the definition, design, and development of projects.
• Establish project governance, timelines, milestones, and success metrics (KPIs/OKRs)
• Identify risks, issues, and dependencies, and drive mitigation and resolution strategies
• Ensure clear and consistent communication with stakeholders, including executive leadership
• Coordinate resources, manage priorities, and ensure alignment across multiple teams
• Drive change management efforts to support adoption of new processes, tools, or initiatives
• Monitor project performance and provide regular status reporting and insights
• Identify opportunities for process improvement and operational efficiency
• Support e2e process of preparation, elaboration and follow-up of the business UATs
• Execute and coordinate UAT test cases, document defects, track issue resolution, and provide status updates to stakeholders.
• Partner with technical and business users to gather feedback, validate system changes, and ensure successful deployment readiness.

Senior Project Manager

• Define Product strategy and lead ideation, development, launch and scaling of innovative products and features
• Collaborate with leadership and cross-functional stakeholders to craft long-term product strategy
• Scope and lead the development of new product features to improve financial health of users
• Manage a high-performing cross-functional product team
• Coach and mentor junior Product Managers

Manager

• Lead and execute fair lending analytics and testing across credit decisioning, underwriting, marketing and fraud prevention strategies
• Perform statistical analyses to assess disparate impact, bias, and fairness in models and business processes
• Evaluate model inputs, features, and outputs for potential fair lending risks
• Partner closely with the Head of Model Risk and Director of Model Validation to ensure alignment in methodologies, interpretation, and governance
• Translate complex analytical results into clear, actionable insights for stakeholders, including Risk, Legal, Compliance, and senior management
• Conduct independent model validation, annual model review, ongoing monitoring report review, required action item review/closure on the cutting-edge machine learning models.
• Deliver high-quality model validation reports, highlighting risks and limitations of the model in a concise manner.
• Work closely with business owners/model users and developers to understand the business context for model use and facilitate the model approval process.
• Stay up to date with regulatory expectations of model development, use, and validation activities.
• Support Oportun’s the model risk management framework, including annual validation plans, model inventory, model risk ranking, and model risk governance.
• Develop and maintain effective partnerships with key model stakeholders.
• Support the coordination of model risk governance practices with the model users.

Principal Product Manager

Senior Software Engineer

Senior Analyst, Risk Management

Staff Software Engineer

Senior Project Manager

Senior Software Engineer

Principal Product Manager

Senior Manager, Fair Lending Analytics, Validation