Senior Product Manager

Role Description

We are looking for a talented and creative problem solver to join Oportun as a Senior Product Manager for Lending Originations. In this role, you will lead the strategy and development of capabilities that improve the applicant experience, increase new-loan conversion, and support the financial health of Oportun’s members.

This is a senior individual contributor product role for a strategic, hands-on problem solver with a strong track record of solving complex problems and delivering meaningful customer and business outcomes. You will articulate the product strategy, establish objectives and key results, define a multi-year roadmap, and lead cross-functional teams in delivering best-in-class lending experiences.

You will work closely with Engineering, Design, Data, Risk, Fraud, Marketing, Operations, Legal, Compliance, and other partners to identify opportunities, align priorities, and drive execution. The ideal candidate thrives in a fast-paced environment and is passionate about building simple, responsible, and accessible financial products.

Qualifications

• 7+ years of core product management experience in high-growth environments.
• Demonstrated experience leading complex, high-impact product initiatives from strategy through execution and scale.
• Strong track record of launching and iterating on customer-facing products that delivered measurable business and customer outcomes.
• Experience in financial services, FinTech, lending, digital banking, or another highly regulated industry is strongly preferred.

Requirements

• Own the product strategy and multi-quarter roadmap for Lending Originations journeys or capabilities, contributing to the broader multi-year Originations vision.
• Establish objectives, key results, and performance metrics aligned with company priorities and member needs.
• Identify and prioritize opportunities to improve application completion, approval, funding, and new-loan conversion.
• Translate complex customer, business, risk, and operational needs into clear product priorities and scalable solutions.
• Maintain a deep understanding of applicant and member needs through user research, data analysis, surveys, experimentation, and feedback loops.
• Develop frictionless lending experiences that improve applicant satisfaction while supporting responsible lending and regulatory requirements.
• Identify opportunities to improve both self-service and agent-assisted originations experiences.
• Scope and lead the development of new Lending Originations products, capabilities, and features.
• Lead high-performing cross-functional teams that include Engineering, Design, Data, Risk, Fraud, Marketing, Operations, Legal, and Compliance.
• Drive products from discovery and validation through launch, measurement, iteration, and scale.
• Anticipate obstacles, manage dependencies, and help teams resolve blockers to deliver meaningful value for members and the business.
• Balance near-term delivery with longer-term platform scalability, reliability, and maintainability.
• Develop and execute experiments across the originations funnel to deliver measurable improvements in application completion, conversion, approval, and funding.
• Define success metrics and use data to evaluate performance, identify insights, and inform product decisions.
• Assess trade-offs across member experience, credit risk, fraud risk, operational efficiency, regulatory requirements, and financial performance.
• Build strong collaboration and alignment across a broad group of cross-functional stakeholders.
• Craft a clear product narrative and communicate priorities, decisions, risks, dependencies, and trade-offs to executive leadership and partner teams.
• Facilitate effective decision-making in an environment with complex constraints and shifting priorities.
• Influence the organization through product expertise, structured thinking, strong judgment, and clear documentation.
• Partner closely with Legal, Compliance, Risk, and Fraud teams to ensure originations products adhere to applicable regulatory requirements, internal policies, and industry best practices.
• Design solutions that balance growth and conversion objectives with responsible lending, risk management, and member protection.
• Support the launch and ongoing management of products operating within complex legal and regulatory frameworks.

Benefits

• The US salary range for this full-time position is $127,800 - $204,500.
• Our salary ranges are determined by role, level, and location.
• Individual pay is determined by work location and additional factors, such as job-related skills, experience, and relevant education or training.
• Compensation range listed reflects only the base salary for this position and does not include other compensation elements or benefits.