Lending Product Manager

This is a fully remote position, open to applicants in Guatemala.

📋 Description

• Take charge of lending performance, evaluated by Net Revenue ROI across all customer segments (buckets), drop rate, segment behavior, and loan share within guidelines.

• Direct the strategy of our lending approach, including ALG (automatic lending guidance) ranges, the CQI (Customer Qualification Index) model and its objectives, along with the point-of-sale (POS) interface for lending decisions.

• Determine when to reassess ALG ranges and CQI logic based on the performance of the portfolio.

• Identify behavioral issues affecting lending outcomes and implement corrective measures in collaboration with field operations.

• Establish the vision, roadmap, and specifications for AI-driven lending products, translating model performance into business results and promoting AI integration throughout the lending function.

• Collaborate with Data Science to enhance and refine the CQI pilot and testing methodologies for the US and Latam, including the launch and oversight of pilots.

• Oversee the evaluation and enhancement of existing ALG ranges.

• Work with Data Science to develop the Team Member Qualification Index (TQI).

• Create a lending experimentation and monitoring framework in partnership with Data Science.

⛳️ Requirements

• Bachelor's degree in Business, Economics, Finance, Engineering, Computer Science, or a related discipline; an MBA or advanced degree is preferred.

• Over 7 years of product management experience, including responsibility for data-driven or AI-powered products.

• Demonstrated experience collaborating with data science teams to create and deliver ML, AI, or Gen AI products throughout the entire process.

• Technically proficient: experience with SQL and Python – capable of conducting self-service analysis, querying data directly, and validating model results.

• Practical knowledge of AI tools (such as Claude Code, Claude, or comparable LLM tools) utilized in everyday tasks.

• Strong preference for experience in consumer lending, credit risk, underwriting, or decisioning models.

• Proven track record in designing and executing pilots and experiments (testing methodology, monitoring, causal measurement) to assess product modifications.

• Experience in the pawn, fintech, or specialty finance sectors is a plus.

🏝️ Benefits

• Exciting ground floor opportunity with EZCORP.

• Competitive salary and comprehensive benefits.

• Generous bonus potential from the outset.

• Opportunities for professional development.