Director, Product Management (California)

Achieve is the leader in digital personal finance, helping everyday people thrive with innovative solutions like home equity and personal loans, and debt relief. We offer personalized financial solutions, blending data, technology, and an empathetic human touch to help members reach a better financial future. Our 2,300+ teammates across hubs in California, Arizona, and Texas collaborate on our mission. Since 2002, we've fostered an inclusive environment, uniting all roles under core values: Care (For Everyone), Get Better (Every Day), Act With Integrity (Every Time), and Collaborate (With Everybody).

Since 2002, Achieve has grown into one of the largest private consumer fintech unicorns in the U.S., with over $40B in enrollments for our industry-leading, tech-enabled debt resolution services business, and over $11Bn in personal and home loans originations via our banking-as-a-service partner.

Join us and change the world together at Achieve Lending! We're undergoing a massive transformation, fueled by a bold three-year strategy to aggressively grow our lending business. Our mission is to become a digital-first, AI-enabled lending powerhouse - and, with our sister business, Achieve Debt Relief - to solidify our position as the leading platform in Consumer Liability Optimization .

Achieve’s Lending Product organization supports our market growth through two core ecosystems: a Direct-to-Consumer (D2C) platform and a technology-first Third-Party Originations (TPO) channel. Our TPO business is reimagining the intermediary lending landscape by deploying API-first infrastructure, frictionless wholesale and correspondent portals, and instant underwriting tools that empower external brokers to deliver Achieve’s industry-leading HELOCs and mortgages at scale.

The Role

The Director of Product Management serves as a senior leader within our Lending Product organization. In this role, you will be a driver of the overarching product strategy, architectural vision, and commercial success for our foundational lending product lines—including our best-in-class HELOCs, mortgage loans, personal loans, and next-generation financial products.

As a strategic leader, you will manage, grow, and inspire a multi-tiered organization of highly skilled Product Managers at all levels. Partnering closely with the VP of Product, General Managers, and executive leaders across Marketing, Sales, Credit Risk, Capital Markets, Engineering, Legal & Compliance and Operations, you will steer the digital infrastructure and technology innovation required to accelerate Achieve’s market capture and redefine digital first lending origination.

Overview of Key Responsibilities:

• Organizational Leadership & Scaling: Build, scale, and mentor a world-class, multi-layered product management organization. Establish a high-performance culture rooted in operational discipline, continuous talent development, and product management excellence.
• Lending Product Strategy: Define and champion the long-term product vision, strategy, and investment roadmap for the Lending Product organization. Ensure the portfolio balances immediate commercial scaling with long-term foundational technical architecture.
• Lending Platform Modernization: Provide leadership and direction for the development of our next-generation, API-first lending architecture. Drive the modernization of our core lending origination systems, automated decisioning frameworks, real-time pricing engines, and external partner ecosystems.
• Accountability : Be accountable for the business performance of Lending product lines, tracking core metrics including funnel performance, close rates, time-to-fund and product profitability.
• Cross-Functional Synchronization : Act as a critical liaison between Product and key executive stakeholders in Marketing, Capital Markets, Credit Risk, Legal & Compliance, Sales, and Operations. Ensure complex industry regulations are met and seamlessly integrated into scalable, friction-free customer software experiences.
• Market Leadership & Innovation : Drive the adoption of emerging technologies, modern data/analytics capabilities, and alternative data underwriting methods to keep Achieve ahead of fintech competitors and shifting macroeconomic conditions.

Technical & Leadership Competencies:

• Domain Expertise : Deep knowledge of the end-to-end digital consumer lending lifecycle, automated credit risk rules engines, modern loan origination technology stacks, secondary market/capital market constraints, and equity/unsecured debt products.
• Architectural Vision: Proven experience overseeing complex API-first platform transformations, modern cloud architecture transitions, and enterprise-level data layer definitions. Can comfortably align technology roadmaps directly with VP-level Engineering leaders.
• Executive Presence & Influence : Exceptional track record of presenting to, influencing, and aligning C-suite executives and regulatory bodies on highly strategic, high-capital decisions.
• Execution Excellence : A proven leader who has successfully taken product lines from zero-to-one, as well as scaled consumer facing lending platforms

All your information will be kept confidential according to EEO guidelines.

Achieve well-being with:

• 401 (k) with employer match
• Medical, dental, and vision with HSA and FSA options
• Competitive vacation and sick time off, as well as dedicated volunteer days
• Access to wellness support through Employee Assistance Program, physical and mental health wellness programs
• Pet care discounts for your furry family members
• Financial support in times of hardship with our Achieve Care Fund
• A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

We are proudly offering hybrid options in the San Mateo, CA and Phoenix, AZ metro market. In other locations throughout the country, we offer work from home.

Salary Range: $200,000 - $240,000 + bonus + benefits.

This information represents the expected salary range for this role. Should we decide to make an offer for employment, we'll consider your location, experience, and other job-related factors.

Join Achieve, change the future.

At Achieve, we’re changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you’ll get to be a part of their journey to a better financial future. We’re proud to have over 3,000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work-from-home opportunities every day to better serve our members. A career at Achieve is more than a job—it’s a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.

Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve’s Talent Acquisition leader.

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