Senior Product Manager

🕒 il y a 8 jours

🇺🇸 États-Unis – Télétravail

💵 $145 000 - $185 000 / an

⏰ Temps Plein

🟠 Senior

✅ Responsable Produit

👻 Score fantôme 0%

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• Ouverte depuis 8 jours.
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Splash Financial

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51 - 200 employés

💼 Conseil

🏥 Santé

🛡️ Assurance

Consulting • Healthcare • Insurance

Splash Financial est une entreprise qui propose une variété de produits de prêt, y compris des prêts personnels, le refinancement de prêts étudiants, des prêts étudiants en cours d'études et le refinancement de prêts pour les études de médecine. L'entreprise offre une plateforme où les utilisateurs peuvent comparer les offres de prêt de plusieurs prêteurs à travers les États-Unis. Splash Financial met l'accent sur la facilité d'utilisation, permettant aux utilisateurs de vérifier rapidement les taux de prêt sans affecter leurs scores de crédit. La société assure la confidentialité des données et propose un service client pour assister dans le processus de prêt. Elle s'adresse aux individus cherchant à gérer leur dette ou à financer leurs dépenses éducatives grâce à des solutions de prêt sur mesure.

Description

• Own product strategy and roadmap for HELOC underwriting from submitted application through close • Own time-to-fund as a core metric and reduce time from application to funding without adding risk • Map the end-to-end loan lifecycle and identify where loans stall • Reduce manual touches, shorten condition-clearing cycles, and increase loans processed per underwriter • Lead the AI and automation roadmap for HELOC underwriting and operations • Identify opportunities for document classification and data extraction, discrepancy flagging, condition recommendations or auto-clearing, and exception routing • Expand automated valuation coverage by partnering with credit and valuation vendors • Build a state-aware closing experience with compliance, title, and e-closing partners • Lead cross-functional teams across engineering, design, credit, operations, compliance, and marketing from discovery through launch • Write clear requirements and make delivery tradeoffs • Partner with valuation, title, document, and e-closing providers to translate regulatory and partner requirements into scalable product solutions • Analyze operational and funnel data, test hypotheses, and improve time to fund, conversion, operational efficiency, and borrower experience • Help raise product development standards as a senior product team member

🎯 Exigences

• 6+ years of product management experience in consumer technology or fintech • Proven track record of shipping impactful products and owning outcomes end to end • Working knowledge of consumer lending underwriting, credit decisioning, income and employment verification, document review, and conditions • Understanding of how product decisions affect credit risk and compliance • Cross-functional collaboration with engineering, design, operations, credit, compliance, and business partners • Ability to influence without authority and align people around shared goals • Hands-on experience in product analytics, funnel analysis, experimentation, and operational metrics • Experience improving operational workflows or building internal tools • Experience using AI and automation in products or workflows • Daily use of AI tools such as Claude, ChatGPT, or Cursor for research, analysis, and documentation • Strongly preferred: direct experience with HELOC, home equity, or mortgage products • Familiarity with HELOC underwriting lifecycle and LOS systems, AVMs, appraisals, title, income and employment verification, e-closing, and lien recording • Experience in a regulated environment with requirements such as TILA, RESPA, ECOA, or HMDA • Experience working with bank, credit union, or platform partners • SQL proficiency and experience with BI and product analytics tools such as Snowflake and Sigma

🏖️ Avantages

• Fully remote work freedom (for most roles) • Competitive salary packages • Flexible PTO + 9 company holidays • Equity: Share in our start-up success • Comprehensive and affordable insurance benefits • Paid parental leave for both caregivers • Essential modern equipment to get the job done • Fully paid Claude subscription to supercharge your work • 401(k) for your future savings • Quarterly meet-ups: In person & virtual fun • Awesome Splash swag to flaunt your team spirit • Bonus component tied to individual and company performance may be available

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