Sr. Product Manager, Core Experience (San Francisco)

San Francisco, CAProduct & User Experience – Product Management /Full-Time Employee /HybridYour role in our missionProsper's Core team sits at the center of our product strategy — and this role sits at the center of the Core team. As Senior PM, Core Experience, you will own the connective tissue between our Personal Loans and Credit Card products, building the intelligent, unified customer experience that turns a portfolio of financial products into a cohesive financial platform.This isn't a maintenance role. You'll define how we surface the right product to the right customer at the right moment, architect cross-product journeys that reduce friction and deepen engagement, and build AI into the foundation of how we serve customers — a core capability, not a bolt-on. You'll partner with product leadership to build a multi-year vision and roadmap, then break it into phases and drive execution with your dedicated engineering teams.Your primary KPI is ARPU (Average Revenue Per User) and you'll drive Cross Product and Second Product Adoption. You'll own it end to end.How you'll make an impactUnify the experience across Loans and CardsIdentify seams in the customer journey where switching between products creates confusion or drop-off. Define and ship a single, coherent Prosper experienceBuild intelligent, cross-product journeysDesign the logic for when and how we introduce a customer to a product they don't have yet. Build the decision framework that turns product recommendations into genuine financial guidance. Use data, experimentation (A/B tests), and customer research to iterate quickly and with convictionOwn the AI strategy for CoreDevelop a concrete roadmap for how AI can improve product decisioning, personalization, and customer communication across the core platform. You should have a strong point of view on where AI creates real leverage — and where it doesn'tDrive ARPU as a first-class metricDefine leading indicators, build the instrumentation, and work cross-functionally with Design, Engineering, Data Science, Credit, and Risk to move itOwn the strategy, drive the executionWrite crisp strategy docs, influence senior stakeholders, and make opinionated calls on prioritization. Own your backlog. Lead and resolve conflicts across organizational stakeholders. Keep leadership updated on progress and trade-offs without being askedSkills that will help you thriveSharp strategic thinker. You hold a 3-year vision and a 2-week sprint in your head at the same time. You connect customer problems to business outcomes without being prompted, and you can articulate the why behind every prioritization decisionAI-native builder. You've shipped products that use AI/ML in meaningful ways — personalization, intelligent routing, recommendation systems, NLP, or similar. You know how to partner with data scientists and ML engineers as a true peer, and you have a concrete point of view on how to apply AI in financial servicesCross-product experience. You've worked on platform or ecosystem-level products — experiences that sit across multiple surfaces, teams, or product lines. You understand the organizational complexity that comes with this and know how to navigate itDeep customer empathy, with financial services fluency. You understand how consumers think about debt, credit, and financial decisions. You've worked in fintech or have done the work to deeply understand itExceptional communicator. Your PRDs get read. Your stakeholder updates move things forward. You adapt your style across engineering, design, legal, marketing, and the C-suiteHigh ownership, low ego. You don't wait to be asked. You close loops. You make the hard call and own it — including when you're wrongQUALIFICATIONS:6+ years of product management experience, with demonstrated success on consumer-facing productsAt least 2 years in fintech, lending, credit, or a closely adjacent domainProven track record shipping AI/ML-powered features at scaleExperience working across multiple product lines or in a platform/core capacityStrong data fluency — comfortable with SQL, experiment design, and pressure-testing analytical conclusionsBachelor's degree required; technical degree or MBA is a plus, but track record matters moreResources to help you prosperA hybrid connection:We believe in the best of both worlds - a hybrid environment (2 days/week in our SF office) that balances high-touch collaboration with the flexibility of remote workInvested in your future:A competitive salary and a 401(k) with a 5% company match to help you build long-term financial securityHolistic well-being:We provide the resources you need to thrive, from flexible time off and paid parental leave to an annual wellness allowance and comprehensive health coverageProfessional & personal growth:Take advantage of a suite of premium perks, including Udemy access, childcare assistance, pet insurance, and a bevy of additional savings through BeneplaceInterview processRecruiter Call: A brief screening to discuss your experience and initial questionsDepartment Interview: Deeper dive into technical skills and project alignment with the Hiring Manager or team memberTeam/Virtual Interview: Meet team members for collaborative discussions, problem-solving, or technical exercisesCase Study Round: Analyze a real-world problem, propose solutions, and present findings, evaluating analytical, strategic thinking, and presentation skills$178,000 - $232,000 a yearCompensation details: The salary for this position is $178,000 - $232,000 annually, plus bonus and generous benefits. In determining your salary, we will consider your location, experience, and other job-related factors.#LI-RC1About UsProsper introduced U.S. consumers to an innovative approach to personal finance as the first peer-to-peer lending platform in the country. Since 2005, Prosper has helped over 2 million customers achieve financial well-being through a comprehensive suite of digital personal finance products.Prosper’s flagship personal loan* marketplace continues to offer unique value for both borrowers and investors, while the Prosper Card¹ provides essential access to credit and flexibility for those managing their financial journey. Guided by its mission to advance financial well-being, Prosper is dedicated to helping people thrive by meeting people where they are with simple, trusted, and affordable financial solutions. Learn more at on a mission to hire the very best, and we are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere. It is important to us that every hire connects with our vision, mission, and core values. Join a leading fintech company that’s democratizing finance for all! Our ValuesDiversity expands opportunitiesCollaboration creates better solutionsCuriosity fuels our innovationIntegrity defines all our relationshipsExcellence leads to longevity Simplicity guides our user experience Accountability at all levels drives resultsOur Story & Team // Our BlogApplicants have rights under Federal Employment Laws.Family & Medical Leave Act (FMLA)Equal Employment Opportunity (EEO)Employee Polygraph Protection Act (EPPA)California applicants: please click here to view our California Consumer Privacy Act (“CCPA”) Notice for Applicants, which describes your rights under the CCPA.Illinois applicants: please click here to view our Artificial Intelligence Notice for Applicants. At Prosper, we're looking for people with passion, integrity, and a hunger to learn. We encourage you to apply even if your experience doesn't precisely match the job description. Your unique skill set and diverse perspective will stand out and set you apart from other candidates. Prosper thrives with people who think outside of the box and aren't afraid to challenge the status quo. We invite you to join us on our mission to advance financial well-being.Prosper is committed to an inclusive and diverse workplace. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical​​​ condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law, including the San Francisco Fair Chance Ordinance. Prosper will consider for employment qualified applicants who are non-US citizens and will provide green card sponsorship.*All personal loans are made by WebBank.¹The Prosper Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard International.We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.