Senior Product Manager

Who We Are Oportun (Nasdaq: OPRT) is a mission-driven financial services company that puts its members' financial goals within reach. With intelligent borrowing, savings, and budgeting capabilities, Oportun empowers members with the confidence to build a better financial future. Since inception, Oportun has provided more than $22.7 billion in responsible and affordable credit, saved its members more than $2.5 billion in interest and fees, and helped its members set aside an average of more than $1,800 annually. The Opportunity We’re looking for a Senior Product Manager to lead strategy and execution across Lending Originations, with a focus on improving the applicant experience, increasing new-loan conversion, and supporting the financial health of Oportun’s members. This is a senior individual contributor role for a strategic, hands-on product leader who can define product direction, establish objectives and key results, shape a multi-year roadmap, and lead cross-functional teams through complex lending challenges. You’ll work closely with Engineering, Design, Data, Risk, Fraud, Marketing, Operations, Legal, and Compliance to identify opportunities, align priorities, and deliver simple, responsible, and accessible lending experiences. At Oportun, we move fast and we hold each other to a high bar. If you care about doing your best work while actually moving the needle for real people, you'll fit right in. What You'll Do Your day-to-day You’ll own product strategy and the multi-quarter roadmap for Lending Originations journeys and capabilities, contributing to the broader Originations vision. You’ll establish objectives, key results, and performance metrics aligned with company priorities and member needs. You’ll identify and prioritize opportunities to improve application completion, approval, funding, and new-loan conversion. You’ll translate customer, business, risk, regulatory, and operational needs into clear product priorities and scalable solutions. You’ll use research, experimentation, funnel analysis, and product data to understand applicant needs and improve the originations experience. You’ll lead cross-functional teams across Engineering, Design, Data, Risk, Fraud, Marketing, Operations, Legal, and Compliance from discovery through launch, measurement, iteration, and scale. You’ll balance near-term delivery with long-term platform scalability, reliability, and maintainability. You’ll assess trade-offs across member experience, credit risk, fraud risk, operational efficiency, regulatory requirements, and financial performance. You’ll communicate product priorities, decisions, risks, dependencies, and trade-offs clearly to executive leaders and partner teams. You’ll partner closely with Legal, Compliance, Risk, and Fraud to ensure products meet applicable requirements while supporting growth and responsible lending. You’ll bring ideas for how we can do things better, proactively, not just when asked. You’ll look for ways to use AI tools thoughtfully to accelerate product discovery, analysis, decision-making, and execution. Who You Are The right fit looks like this You’re a strategic and hands-on product leader who enjoys solving complex, ambiguous problems and turning them into clear priorities and measurable outcomes. You care deeply about creating simple customer experiences and know how to balance member needs with business, risk, regulatory, and operational considerations. You’re comfortable influencing without direct authority, working through competing priorities, and moving between high-level strategy and detailed execution. You communicate clearly, make thoughtful trade-offs, and keep teams focused on outcomes. What You Bring Skills & experience Required 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 defining product strategy, objectives, key results, roadmaps, and success metrics. Strong experience using data to make decisions, define metrics, develop hypotheses, and measure results. Experience with experimentation, funnel analysis, product analytics, and performance optimization. Proven ability to build alignment and drive results across a broad group of cross-functional partners. Ability to influence senior stakeholders without relying on direct authority. Strong written and verbal communication skills, including executive communication, documentation, and product storytelling. Ability to move fluidly between strategic thinking and detailed execution while managing risks, dependencies, and blockers. Experience operating products within complex legal or regulatory frameworks. Nice to Have Experience in financial services, fintech, lending, digital banking, or another highly regulated industry. Prior experience with lending originations, credit products, underwriting, application funnels, or loan decisioning. Familiarity with credit risk, fraud, compliance, servicing, or financial-product economics. Experience designing both self-service and agent-assisted customer journeys. Experience using AI tools such as ChatGPT, Copilot, or similar tools to improve product research, analysis, or productivity. Our AI Mindset We build with AI. We lead with judgment. AI isn't a feature here. It's how we work. We're excited about what AI makes possible, and we're looking for people who share that curiosity. You don't need to be an expert. You need to be open to experimenting , willing to learn, and able to apply new tools in ways that actually move the needle. In this role, you'll be encouraged to explore AI tools, find practical use cases for your function, and bring ideas for working smarter. We believe the best outcomes come when human judgment and AI capability work together. Why Oportun What's in it for you Oportun offers a competitive compensation and benefits package designed to support your physical, financial, and professional well-being. Benefits vary by country of employment. Some of the benefits available to eligible employees include: US Benefits: 401(k) including company match Medical, Dental & Vision Insurance Flexible Spending Account Company paid Life & Disability Insurance Voluntary benefit programs such as Life/AD&D, Critical Illness, Accident and Hospital Indemnity Paid time off such as Flexible PTO and Parental Leave Eligibility and plan details vary by location and employment status. To learn more about Oportun and our benefits, visit oportun.com/careers The US salary range for this full-time position is $ 127,800 - $ 204,500. Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects a national minimum and maximum range for new hire salaries for this position. Within this range, individual pay is determined by work location and additional factors, such as job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range that meets your criteria during the hiring process. Please note that the compensation range listed in this posting reflects only the base salary for this position and does not include other compensation elements or benefits. #LI-REMOTE #LI-R We are proud to be an Equal Opportunity Employer and consider all qualified applicants for employment opportunities without regard to race, age, color, religion, gender, national origin, disability, sexual orientation, veteran status or any other category protected by the laws or regulations in the locations where we operate. California applicants can find a copy of Oportun's CCPA Notice here: We will never request personal identifiable information (bank, credit card, etc.) before you are hired. We do not charge you for pre-employment fees such as background checks, training, or equipment. If you think you have been a victim of fraud by someone posing as us, please report your experience to the FBI’s Internet Crime Complaint Center (IC3). Oportun