Lending Product Manager

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EZCORP

WebsiteLinkedInAll Job Openings

5001 - 10000 employees

🛒 Retail

👥 B2C

Retail • B2C

EZCORP is a leading provider of pawn loans in the United States and Latin America, formed with 16 pawn stores in 1989. The company specializes in satisfying short-term cash needs for consumers who are cash and credit constrained, offering non-recourse pawn loans collateralized by personal property. In addition to financial services, EZCORP operates retail stores selling primarily pre-owned merchandise in a customer-focused environment. Headquartered in Austin, Texas, EZCORP is dedicated to diversity, inclusion, and the professional development of its team members.

📋 Description

• Own the performance of lending, measured by Net Revenue ROI across all customer segments (buckets), drop rate, behavior by segment, share of loans within guidance • Lead the strategy of HOW we lend: ALG (automatic lending guidance) ranges, the CQI (Customer Qualification Index) model and its objective function, and the point-of-sale (POS) user interface for lending decisions • Trigger WHEN ALG ranges and CQI logic need to be re-evaluated based on portfolio performance • Identify WHERE behavioral issues are impacting lending results and drive corrective action with field operations • Define the vision, roadmap, and requirements for AI-driven lending products, translating model performance into business outcomes and championing AI adoption across the lending function • Partner with Data Science to redesign and improve the CQI pilot and testing methodology for the US and Latam, including pilot launch and monitoring • Lead the review and optimization of current ALG ranges • Partner with Data Science to model the Team Member Qualification Index (TQI) • Build lending experimentation and monitoring infrastructure with Data Science

🎯 Requirements

• Bachelor’s degree in Business, Economics, Finance, Engineering, Computer Science, or related field; MBA or advanced degree preferred • 7+ years of product management experience, including ownership of data-driven or AI-powered products • Proven experience partnering with data science teams to build and ship ML, AI, or Gen AI products end-to-end • Technically hands-on: working SQL and Python – able to self-serve analysis, query data directly, and validate model outputs • Demonstrated practical use of AI tools (Claude Code, Claude, or similar LLM tools) in daily work • Experience in consumer lending, credit risk, underwriting, or decisioning models strongly preferred • Experience designing and running pilots and experiments (testing methodology, monitoring, causal measurement) to validate product changes • Pawn, fintech, or specialty finance industry experience a plus

🏖️ Benefits

• Ground Floor opportunity with EZCORP • Competitive compensation and benefits • Generous bonus potential from day one • Professional development opportunities