Principal Product Manager

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Oportun

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2006

💼 Consulting

🛡️ Insurance

💳 Fintech

Consulting • Insurance • Fintech

Oportun is a financial technology company that specializes in providing affordable personal loans and savings solutions. They are recognized as Bankrate's #1 app for saving money in 2024. Oportun offers personal loans ranging from $300 to $10,000 for various financial needs such as bills, repairs, and deposits, with quick funding and affordable payments. The company provides a unique app that helps users manage their loans and saves money intelligently. Oportun also focuses on financial education and offers tools like loan calculators and prequalification services, which do not impact credit scores. Although Oportun is not a bank, they ensure deposits are FDIC insured through partner banks.

📋 Description

• Lead the strategy and development of Lending Originations capabilities to improve applicant experience, new-loan conversion, and members' financial health • Define and communicate a multi-year product vision, strategy, and roadmap • Establish objectives, key results, and performance metrics • Identify and prioritize opportunities across application completion, approval, funding, and conversion • Translate customer, business, risk, and operational needs into product priorities and scalable solutions • Use research, data analysis, surveys, experimentation, and feedback to understand applicant and member needs • Develop frictionless self-service and agent-assisted lending experiences • Scope and lead new products, capabilities, and features from discovery through launch, measurement, iteration, and scale • Lead cross-functional teams across Engineering, Design, Data, Risk, Fraud, Marketing, Operations, Legal, and Compliance • Manage obstacles, dependencies, blockers, scalability, reliability, and maintainability • Execute originations-funnel experiments and evaluate performance using success metrics and product analytics • Assess trade-offs involving member experience, credit risk, fraud risk, operations, regulations, and financial performance • Align stakeholders and communicate priorities, decisions, risks, dependencies, and trade-offs to executives and partner teams • Partner with Legal, Compliance, Risk, and Fraud to ensure regulatory adherence and responsible lending

🎯 Requirements

• 12+ years of total professional experience • 7–10+ years of core product management experience in high-growth environments • Experience leading complex, high-impact product initiatives from strategy through execution and scale • Track record of launching and iterating customer-facing products with measurable business and customer outcomes • Financial services, FinTech, lending, digital banking, or highly regulated industry experience strongly preferred • Experience creating simple, accessible, and frictionless customer experiences • Ability to balance customer, business, risk, operational, and regulatory considerations • Ability to structure and solve complex, ambiguous problems • Strong data-driven decision-making, metrics definition, hypothesis development, and results measurement • Experience with experimentation, funnel analysis, product analytics, and performance optimization • Ability to build consensus and influence senior stakeholders without direct authority • Ability to operate in a fast-paced environment with shifting priorities and competing constraints • Clear, concise, and persuasive written and verbal communication • Strong documentation, storytelling, and executive presentation skills • Ability to communicate complex product, technical, risk, and business concepts to different audiences • Solution-oriented and accountable for outcomes • Ability to move between strategic thinking and detailed execution • Skill in identifying risks, managing dependencies, resolving blockers, and maintaining momentum • Experience launching and managing products within complex legal and regulatory frameworks • Prior experience with lending originations, credit products, underwriting, application funnels, or loan decisioning strongly preferred • Familiarity with credit risk, fraud, compliance, servicing, or financial-product economics beneficial

🏖️ Benefits

• Diverse, equitable, and inclusive culture • Employee resource groups • Equal opportunity employment