Regional Finance (Regional Management Corp.)

Senior Product Manager

Regional Finance (Regional Management Corp.)

full-time

Posted on:

Location Type: Remote

Location: Virginia • United States

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Job Level

Senior

About the role

  • 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
  • Deeply understand borrower pain points, financial behaviors, and channel preferences
  • Act as the voice of the customer internally
  • 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
  • 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.)
  • 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
  • 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

Requirements

  • 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
Benefits
  • comprehensive medical, dental, and vision plan
  • 401k plans with a company match
  • PTO and paid holidays
  • paid parental leave
  • employee assistance program for mental health and counseling
Applicant Tracking System Keywords

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

Hard Skills & Tools
product managementP&L managementROI analysispricing strategycredit riskscorecardsdata modelsA/B testingfinancial performance monitoringmargin optimization
Soft Skills
analytical skillscommunication skillsleadershipcollaborationcustomer advocacyproblem-solvingstrategic thinkingorganizational skillsteam managementadaptability
Certifications
MBACertified Product ManagerCertified Financial AnalystProject Management Professional