Principal Product Manager, Digital Originations

Take your career to the next level! In the last few years our goal has been expansion, creating growth opportunities for many of our team members. Not only are we serious about growth, but we are also serious about helping our customers during hard financial times.

We take pride in providing solutions and offering a helping hand, not only to our customers but also to the communities we serve. As we continue to expand and grow into a national leader in consumer financing, we invite you to consider joining our team.

If you're passionate about making a meaningful impact in people's lives and bringing a personal touch to finance, we'd love to have you on board!

Job Purpose

We are seeking a Principal Product Manager to define and drive the economic strategy and product vision for our Digital Origination channel. This role serves as the principal product leader responsible for architecting the economic engine behind Regional's digital lending platform as the organization rebuilds its digital origination capability from the ground up. The Principal Product Manager will own the long-term product strategy, unit economics, and operating model for digital originations, translating complex economic insights into scalable product capabilities and strategic investment priorities. This role will shape how Regional acquires customers, prices risk and delivers profitable growth through digital channels. Operating with significant autonomy and executive visibility, this position influences enterprise stakeholders across Product, Marketing, Credit, Finance, Data Science, Engineering, and Operations to ensure digital origination delivers an exceptional customer experience while maximizing risk-adjusted returns. Success in this role means building a sustainable, scalable digital origination platform that becomes a core growth driver for the organization.

Duties and Responsibilities

Product Strategy & Economic Leadership

• Serve as the principal product owner for the Digital Origination channel, defining the long-term product strategy and roadmap aligned to enterprise growth and profitability objectives.
• Own the economic performance of the digital origination ecosystem, including acquisition cost, funnel conversion, credit performance, cost-to-serve, lifetime value, contribution margin, and risk-adjusted returns.
• Develop and maintain advanced cohort-based economic models to evaluate portfolio performance across channels, campaigns, credit tiers, product structures, and geographic segments.
• Translate economic insights into strategic product investments and roadmap priorities that maximize long-term enterprise value.
• Partner with executive stakeholders to establish performance targets and operating frameworks that align product decisions with financial outcomes.

Digital Funnel Optimization & Performance Management

• Provide strategic oversight of the digital origination funnel to identify opportunities that improve conversion efficiency, portfolio quality, and profitability.
• Design and lead large-scale experimentation frameworks, including champion/challenger testing strategies that optimize funnel performance and customer acquisition economics.
• Establish enterprise performance metrics and reporting frameworks that drive consistent visibility into funnel health, profitability drivers, and product performance.
• Continuously evaluate funnel design, underwriting integration, and product features to maximize funded conversion while maintaining disciplined risk management.

Advanced Analytics, Technology & Innovation

• Leverage advanced analytics platforms including Snowflake and related tools to extract insights, validate hypotheses, and identify key profitability drivers.
• Partners with Data Science and Engineering teams to design scalable analytic capabilities that support product decision making and experimentation.
• Identify and prioritize innovative product enhancements that improve digital conversion, expand market reach, and strengthen risk-adjusted returns.
• Develop rigorous business cases grounded in contribution margin, unit economics, and long-term portfolio performance.
• Drive adoption of data science and AI-enabled tools to improve decision making, automate product optimization, and enhance customer experience.

Customer & Market Leadership

• Serve as the voice of the customer within the organization by developing deep insights into borrower needs, behaviors, and digital engagement patterns.
• Leverage customer research, market intelligence, and competitive analysis to identify emerging opportunities within the consumer lending landscape.
• Translate borrower insights into differentiated product capabilities that strengthen customer experience and improve market competitiveness.

Executive Communication & Cross-Functional Influence

• Translate complex economic and analytical insights into clear, structured recommendations that enable executive decision making.
• Influence cross-functional partners across Marketing, Credit, Finance, Branch Operations, and Engineering to prioritize initiatives based on measurable economic impact.
• Establish a shared operating rhythm by aligning stakeholders around consistent metrics, performance reviews, and accountability frameworks.
• Act as a strategic advisor to senior leadership on digital lending performance, product investment decisions, and long-term growth opportunities.

Minimum Qualifications

• 8-12 years of product management, strategy, or analytics experience, including significant exposure to consumer lending, fintech, financial services, or other regulated industries.
• Demonstrated ownership of products or initiatives with measurable financial outcomes such as revenue growth, contribution margin improvement, or risk-adjusted return optimization.
• Bachelor's degree in Finance, Economics, Engineering, Business Analytics, or a related quantitative discipline.
• Strong analytical capability with hands-on experience querying data using SQL, Snowflake, or equivalent tools.
• Proven ability to synthesize complex analytical findings into clear executive-level insights and strategic recommendations.

Preferred Qualifications

• Demonstrated experience launching or scaling digital lending or fintech products that improved portfolio performance and profitability.
• Prior experience within subprime or near-prime consumer lending environments.
• MBA or advanced degree in Finance, Economics, Business Analytics, Engineering, or related discipline.
• Experience working with data science teams and AI-driven product optimization tools.

Working Conditions

Hybrid arrangement. Three days in an office environment in Plano TX or Greenville SC.


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Regional is an equal opportunity employer and does not discriminate on the basis of race, color, religion, creed, national origin, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity, transgender status, age, disability, genetic information, veteran status, uniform service, or any other characteristic protected by applicable law ("Protected Characteristics"). Regional's policy of non-discrimination applies to all phases of the employment process and relationship, including, but not limited to, recruitment and selection; compensation and benefits; professional development and training; promotions and opportunities; transfers; social and recreational programs; layoff; and terminations.