Senior Product Manager – Credit, Cash Advance, Lending

🕒 vor 5 Monaten

🇺🇸 Vereinigte Staaten – Remote

💵 $170.000 - $180.000 / Jahr

⏰ Vollzeit

🟠 Senior

✅ Produktmanager

🦅 H1B-Visum-Sponsor

Dieses Unternehmen hat in der Vergangenheit H1B-Visa gesponsert.

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ALT

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51 - 200 Mitarbeiter

Bei ALT sind wir auf der Mission, den Wert von alternativen Anlagen freizuschalten, und suchen nach talentierten Menschen, die unsere Vision teilen. Unsere Plattform ermöglicht es Nutzern, ihre Sammelkarten zu tauschen, zu investieren, zu bewerten, sicher zu lagern und zu authentifizieren. Wir stellen uns eine Welt vor, in der alles ein investierbares Gut ist. Leidenschaft für alternative Anlagen? Schauen Sie sich unsere offenen Stellen an!

Beschreibung

• Own underwriting logic for both cash advances and loans. • Partner with Data Science to refine model thresholds, LTV caps, expected-loss calculations, and override rules. • Improve calibration between expected loss (EL) and actual portfolio performance. • Ensure decisioning is fast, consistent, and scalable across asset categories. • Own the borrower UI/UX end-to-end: application → offer → funding → repayment. • Improve clarity, trust, and ease-of-use in the borrowing experience. • Reduce friction and increase completion rates for both cash advances and loans. • Develop features that encourage responsible, repeat borrowing. • Monitor loss rates, delinquency, utilization, and customer repayment behavior. • Work with Finance to maintain healthy margins and capital efficiency. • Implement guardrails that reduce adverse selection and improve overall risk quality. • Build dashboards and reporting that clearly communicate model health. • Own CX/Ops flows related to funding, repayment, manual review, and exceptions. • Reduce operational overhead through automation and clear logic pathways. • Ensure operational processes scale with volume while maintaining strong controls. • Build and own the quarterly roadmap for cash advances and lending. • Align Engineering, Data Science, CX, Finance, Compliance, and Marketplace Ops. • Communicate priorities clearly and drive disciplined, cross-functional execution.

🎯 Anforderungen

• 5–8+ years of PM experience in credit, lending, underwriting, risk, or fintech • Strong understanding of underwriting logic, expected-loss modeling, delinquency, and LTV frameworks. • Comfortable interpreting model outputs and turning them into credit rules and customer-facing flows. • Experienced partnering with Finance, Data Science, CX, and Engineering. • A product thinker who can simplify complex financial decisions into clear, user-friendly interfaces. • Able to operate at multiple altitudes — from credit model details to high-level product strategy. • You move fast, take ownership, and communicate clearly.

🏖️ Vorteile

• $100/month work-from-home stipend • $200/month wellness stipend • WeWork office stipend • 401(k) retirement benefits • Flexible vacation policy • Generous paid parental leave • Competitive healthcare benefits, including HSA, for you and your dependent(s)