Product Manager

Job Description Job Title: Sr Product Manager - Vehicle Lending Status: Exempt Reports to: VP - Products Management - Consumer Lending Department: Product Management Job Code: 12092 Pay Range: $124,700.00 - $160,000.00 Annually WHO WE ARE: Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values. WHO YOU ARE: You lead the strategy, development, and ongoing optimization of Golden 1’s direct and indirect vehicle lending products, ensuring they deliver value for members, support loan growth, and align with organizational objectives. You are a strategic product leader who creates and executes vehicle lending product strategies that strengthen Golden 1’s competitive position and member value proposition. You possess extensive experience leading product, program, and project management initiatives within financial services, with deep expertise in direct and indirect vehicle lending products and systems. WHAT YOU'LL DO: Product Strategy and Roadmap: Develop and refine product strategies and roadmaps for Golden 1’s direct and indirect vehicle lending products across the full product lifecycle, from concept and design through launch, maturity, enhancement, and retirement. Incorporate member insights, dealer and market feedback, competitive intelligence, and business performance trends to identify opportunities for growth, differentiation, and improved member value. Product Development and Management: Lead the end-to-end product lifecycle for direct and indirect vehicle lending products, including concept development, business case creation, product design, requirements definition, implementation, launch, ongoing performance management, enhancement, and lifecycle decisions. Partner closely with operations, technology, finance, risk management, marketing, and third-party partners to ensure successful delivery, adoption, and continuous optimization of product features, programs, pricing, and promotions. Customer Insights and Market Analysis: Conduct ongoing research and analysis of member needs, dealer experience, portfolio performance, competitive offerings, economic conditions, and emerging industry trends within vehicle lending. Translate insights into actionable recommendations related to product design, pricing, underwriting or decisioning strategies, channel enhancements, and lifecycle improvements. Cross-Functional Collaboration: Lead cross-functional collaboration to gather requirements, define product specifications, prioritize initiatives, and support execution across the product lifecycle. Build strong partnerships with internal stakeholders and external partners, including dealer-related and third-party service providers, to ensure effective delivery of product enhancements, campaigns, process improvements, and strategic initiatives. Product Performance Monitoring: Establish and monitor key performance indicators and lifecycle metrics for direct and indirect vehicle lending products, including growth, yield, penetration, usage, credit performance, member experience, and promotional effectiveness. Continuously assess product performance, member feedback, and market trends to identify risks, opportunities, and priorities for enhancement, repositioning, or retirement. Regulatory Compliance: Maintain current knowledge of applicable laws, regulations, and compliance requirements affecting direct and indirect vehicle lending products. Ensure products, programs, promotions, and processes are designed, implemented, and managed in alignment with regulatory expectations, internal policies, and Golden 1’s risk management standards. Develop and maintain an understanding of the pertinent regulatory requirements and risks inherent to job responsibilities, establish, and maintain control activities that mitigate those risks consistent with the Credit Union’s risk appetite, and ensure operational integrity and compliance with applicable regulations. QUALIFICIATIONS AND PREFERENCES: Bachelor’s Degree in related field required 10+ years of product/program/project management experience (at least five years in a senior or lead role) with a focus on direct and indirect vehicle lending product and systems management within financial services organizations required WHY JOIN US: Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best. DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS: The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor. #LI-Hybrid We appreciate your interest in joining the Golden 1 team! If you are selected to participate in the interview process we will contact you. #J-18808-Ljbffr