Sr. Product Manager - Credit Risk

Founded in 2017, NinjaHoldings works to give everyday Americans better access to financial services than traditional institutions typically provide. Through our CreditNinja and NinjaCard brands, we offer digital banking and lending products designed for consumers often overlooked, paired with incentives that support long-term financial improvement. Our Edge brand extends this expertise to other companies, providing underwriting, fraud detection, and analytics services. Headquartered in Chicago with a distributed global workforce, we are a lean, growing organization committed to advancing consumer finance in the US.

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:

• Flexible Paid Time Off
• Health Benefits with generous medical, dental and vision insurance plans
• 401(k) with matching contribution
• Paid Family Leave
• Annual Wellness & WFH subsidies
• Employee Referral Program
• Remote first culture with convenient downtown office in the heart of the city

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.