Sr. Product Manager - Credit Risk

NinjaHoldings was founded in 2017 by a team seeking to revolutionize the way everyday Americans interact with financial services. Through our CreditNinja and NinjaCard brands, we empower people overlooked by traditional financial institutions to take control of their finances via a full suite of digital banking and lending products, providing incentives and rewards along the way as we guide them on a path to financial improvement. Through our NinjaEdge brand, we help companies better understand their customers by offering a package of bespoke underwriting, fraud detection, and analytics services. With offices in Chicago, Miami, and around the world through the power of remote work, we are a lean and innovative team always seeking like‑minded talent to join us in our fight to disrupt consumer finance. Job Summary The Senior Product Manager will report directly to the Chief Risk Officer (CRO) of NinjaHoldings. This person will be responsible for driving the initiatives that directly impact key business goals such as loan volume growth and portfolio performance. They will also be responsible for prioritizing the roadmap for the Risk team and determining what best meets the business goals while ensuring essential "business as usual" work is not forgotten. In addition to the Risk team, they will work directly with many departments such as Marketing, Engineering, Compliance, and Finance to ensure all are aligned in the pursuit of the key goals. The right candidate will be analytical - we're a lending business driven by numbers and driving numbers - and technical - to support the design and implementation of scalable solutions. They will be a personable Type A personality - success requires working with and through other teams on complicated and complex projects. They will be able to move quickly from big picture thinking to detail oriented thinking. Key Responsibilities Manage and prioritize strategic projects in partnership with the Risk team, ensuring alignment with key business outcomes. Support the technical design and implementation of decisioning models and platforms, working closely with Risk, Engineering and other PMs. Translate and clarify technical requirements to ensure readiness for development. Regularly attend department and product level meetings to remain aware of how Risk and other departments’ efforts may impact the overall roadmap and company goals Work closely with Marketing, Compliance, Bank Partnerships, Legal, and Engineering to ensure alignment across teams. Use data to evaluate and communicate project impact, make informed trade‑offs, and guide decision‑making at the department level Be the nexus of understanding regarding "how the products work" from the perspective of Risk, Marketing, Engineering, Compliance and Call Center. Ideal Candidate Will Have 5+ years product management experience in financial services Demonstrated success delivering projects that require coordination and alignment of multiple departments Experience writing requirements for Engineering and other departments Experience supporting or leading the implementation of decision engines or other technical platforms Strong ability to determine priority of projects with disparate goals coming from various departments Strong ability to pitch ideas to department heads through the use of data and strategic thinking Strong ability to distill the needs of our customers to various departments Strong analytical ability to determine the impact of projects to a product’s success Expertise in one of the following areas: Risk, Marketing, Software Engineering Additional Pluses Deep experience in consumer lending Ability to write SQL You’ve worked in a startup You’ve started a business Benefits Competitive salary and benefits package Flexible, remote work Fun, fast‑paced work environment Dynamic start‑up culture Ability to make an immediate impact in a growth stage company Convenient downtown Chicago office located in the heart of the city Equal opportunity employer Applicants must be legally authorized to work in the U.S. without the need for current or future visa sponsorship. IMPORTANT NOTICE: Please carefully review communications to ensure that they are from the official Breezy applicant tracking platform (@ninjaholdings.breezy-mail.com) or an official NinjaHoldings brand email: @ninjaholdings.com, @creditninja.com, @ninjacard.com, or @edgescore.com. If you have been contacted regarding a job opening at NinjaHoldings from any other email address, including similar email variations, this is NOT a trusted source. We recommend that you refrain from responding to suspicious emails and file a complaint with the FBI's Internet Crime Compliant Center (IC3) at For questions or to confirm the authenticity of a communication, please email hr @ ninjaholdings.com. #J-18808-Ljbffr