Senior Product Manager

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

📋 Description

• Take ownership of the product strategy and roadmap for HELOC underwriting, overseeing the process from application submission to closing.

• Focus on time-to-fund as a key performance metric, aiming to minimize the duration from application to funding while maintaining risk levels.

• Create a comprehensive map of the entire loan lifecycle to pinpoint areas where loans may experience delays.

• Aim to decrease manual interventions, accelerate condition-clearing cycles, and enhance the number of loans processed by each underwriter.

• Spearhead the AI and automation initiatives related to HELOC underwriting and operational processes.

• Identify potential areas for document classification, data extraction, discrepancy flagging, condition recommendations or auto-clearing, and exception routing.

• Broaden automated valuation coverage by collaborating with credit and valuation vendors.

• Develop a state-aware closing experience in partnership with compliance, title, and e-closing stakeholders.

• Lead diverse cross-functional teams across engineering, design, credit, operations, compliance, and marketing from the discovery phase through to the launch.

• Draft clear requirements and make informed delivery trade-offs.

• Collaborate with valuation, title, document, and e-closing providers to convert regulatory and partner requirements into scalable product solutions.

• Analyze operational and funnel data, test various hypotheses, and enhance time to fund, conversion rates, operational efficiency, and borrower satisfaction.

• Contribute to elevating product development standards as a senior member of the product team.

⛳️ Requirements

• A minimum of 6 years of product management experience in consumer technology or fintech.

• Demonstrated success in delivering impactful products and managing outcomes from start to finish.

• Familiarity with consumer lending underwriting processes, credit decisioning, income and employment verification, document review, and conditions.

• Insight into how product decisions influence credit risk and compliance requirements.

• Experience in cross-functional collaboration with engineering, design, operations, credit, compliance, and business teams.

• Capability to influence stakeholders without direct authority and align teams around common objectives.

• Practical experience in product analytics, funnel analysis, experimentation, and tracking operational metrics.

• Background in improving operational workflows or developing internal tools.

• Familiarity with utilizing AI and automation within products or workflows.

• Regular use of AI tools such as Claude, ChatGPT, or Cursor for research, analysis, and documentation tasks.

• Strongly preferred: direct experience with HELOC, home equity, or mortgage products.

• Knowledge of the HELOC underwriting lifecycle and related systems, including AVMs, appraisals, title, income and employment verification, e-closing, and lien recording.

• Experience in a regulated environment adhering to standards such as TILA, RESPA, ECOA, or HMDA.

• Experience collaborating with banks, credit unions, or platform partners.

• Proficiency in SQL and familiarity with BI and product analytics tools like Snowflake and Sigma.

🏝️ Benefits

• Fully remote work flexibility (for most positions).

• Competitive salary packages.

• Flexible PTO plus 9 company holidays.

• Equity options to share in our start-up success.

• Comprehensive and affordable insurance benefits.

• Paid parental leave for all caregivers.

• Essential modern equipment to facilitate your work.

• Fully covered subscription to Claude to enhance your productivity.

• 401(k) plan to support your future savings.

• Quarterly meet-ups: both in-person and virtual gatherings.

• Exciting Splash merchandise to showcase your team spirit.

• A bonus component linked to individual and company performance may also be available.