Lead Product Manager Growth & Customer Experience (Embedded Lending)

Lead Product Manager

LendingClub (soon to be Happen Bank) is built around a simple purpose: to clear the way to help people turn intention into action, and action into financial progress. That means offering focused products, a frictionless mobile-first experience, and clear terms with no gotchas. Respect and fairness is part of our DNA, and that ideal shapes how we work, how we treat each other, and how we invest in our employees and our community. Join us in using data, bold thinking, and a commitment to innovation to help clear the way for millions of Americans to achieve more.

About the Role

At LendingClub, we put our customers at the center of everything we do. Our Embedded Lending team builds financing experiences that are seamlessly integrated at the point of sale, helping merchants grow while giving customers access to affordable, transparent credit. We're reinventing origination, risk, and merchant tooling with a focus on growth, customer experience, and operational excellence. We're looking for a Lead Product Manager who thrives at the intersection of data, UX, and platform thinking, and who is motivated by improving funnel performance for both merchants and borrowers. This role is highly cross-functional and fast-moving, with ownership across strategy, execution, and iteration.

What You'll Do

Drive Growth Through Funnel Optimization

• Own and optimize the end-to-end origination funnel across web, mobile, and API experiences
• Identify friction using quantitative data, experimentation, and qualitative insights, then test and ship improvements quickly
• Improve conversion, approval rates, and time-to-decision while maintaining compliance and strong credit quality

Champion Customer Experience

• Map borrower and merchant journeys to uncover usability gaps and unmet needs
• Define intuitive, confidence-building user flows with a strong attention to UX quality
• Advocate for simplicity by removing unnecessary steps, complexity, and operational friction

Build and Execute an ROI-Driven Roadmap

• Prioritize initiatives using clear success metrics, quantified impact, and business alignment
• Lead cross-functional execution from discovery through launch and ongoing optimization
• Partner closely with engineering to deliver reliable, observable, and scalable platforms for merchant partners

Use Data to Inform Decisions

• Ensure strong funnel instrumentation, clean eventing, and actionable dashboards
• Self-serve insights using SQL and analytics tools to validate hypotheses
• Run A/B tests and progressive rollouts as a core part of the product development lifecycle

Evolve Credit, Fraud, and Verification Experiences

• Partner with Risk, Data Science, and Compliance to improve identity, fraud, and underwriting flows
• Ship decisioning enhancements that reduce losses without introducing unnecessary friction for good customers

Improve Merchant Experience and Tooling

• Enhance merchant onboarding, reporting, CRM workflows, and internal tools to increase activation and efficiency
• Lead transitions from legacy systems to modern platforms
• Shape a high-quality developer experience for partners integrating with LendingClub APIs

About You

• 8+ years of product management experience, ideally in fintech, lending, payments, or consumer-facing platforms
• Bachelor's degree in a related field; or equivalent practical experience
• Growth-minded and highly analytical, with deep experience in funnel optimization, experimentation, and hypothesis-driven development
• Strong customer empathy and discovery skills, with an instinct for simple, intuitive, and high-quality user experiences
• Comfortable using data to inform decisions, including hands-on experience with SQL and analytics tools such as Heap or Snowflake
• Experienced partnering cross-functionally with engineering, design, risk, data science, compliance, operations, and go-to-market teams
• Able to balance growth, customer experience, and regulatory requirements in a complex environment
• Familiar with origination flows, KYC/KYB, fraud, underwriting, and partner integrations
• Track record of leveraging AI tools to elevate product thinking, analysis, and execution quality
• Bonus: experience with merchant-led sales models or the home improvement ecosystem

Work Location San Francisco The above locations are eligible offices for this role. The locations have been determined to foster in-person collaboration with this role's team or the related business lines. We utilize a hybrid work model, and our teams are in-office Tuesdays, Wednesdays, and Thursdays. In-person attendance is essential for this role's success, and remote placement will not be considered. LendingClub offers relocation, based on actual job level. Time Zone Requirements Primarily PT While the position will primarily work local hours, LendingClub is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary. Travel Requirements As needed travel to LendingClub offices and/or other locations, as needed. Compensation The target base salary range for this position is 190,000-215,000. The base salary of the role will be determined by job-related knowledge, experience, education, skills, and location. Base salary is just one part of LendingClub's Total Rewards package. You may also be eligible for long-term awards (equity) and an annual bonus (which is based on company performance, employee performance and eligible earnings). We're creating new financial services solutions for our members based on fairness, simplicity, and heart, and we treat our employees the same way. We offer a competitive benefits package that includes medical, dental and vision plans for employees and their families, 401(k) match, health and wellness programs, flexible time off policies for salaried employees, up to 16 weeks paid parental leave and more.

LendingClub is an equal opportunity employer and dedicated to diversity, equity, and inclusion in the workplace. We do not discriminate on the basis of race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), gender, gender identity, gender expression, sexual orientation, age, marital status, veteran status, disability status, political views or activity, or other applicable legally protected characteristics. We believe that a variety of perspectives will make our teams and business stronger as we work together to transform the traditional banking system.

We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability, please contact us at View email address on click.appcast.io.