Senior Product Manager - Unsecured Lending

Job Description In this role you will drive the success of our current unsecured lending products (Personal Loan, Personal Line, Simple Loan, Wisetack) and design new products/partnerships that meet our customers’ needs. Success includes driving origination growth, increasing profitability, and meeting or exceeding plan objectives. You will also have the opportunity to design and launch new products in early‑stage development. Key Responsibilities Operate as a P&L owner for assigned products, managing key drivers of the application funnel, credit losses, expenses, and bottom‑line profitability. Manage the end‑to‑end product lifecycle and identify product enhancements that increase originations or profitability through collaboration with marketing, branch sales, and underwriting. Optimize pricing, promotions, and credit policy to drive originations growth and maximize RAM for existing products. Conduct competitive intelligence to ensure product competitiveness and measure market‑share trends. Design and launch new products that meet well‑defined customer needs and create competitive differentiation, defining and communicating the product vision, design, and business case. Launch new partnerships (e.g., Wisetack) that provide additional unsecured lending distribution opportunities. Work collaboratively as the product owner to ensure all stakeholders—risk, finance, treasury, sales, marketing, and delivery—understand the product vision, financial goals, and long‑term roadmap. Basic Qualifications Product Management experience. Preferred Skills/Experience 5‑10 years’ experience in banking product management, preferably with credit products. Knowledge of industry and competitive trends driving unsecured lending growth and market expansion over the past decade. Experience managing product P&L, strategy, vision, planning, performance measurement, and optimization. Strong financial background with mastery of levers that drive credit product profitability. Ability to anticipate shifting market priorities and customer needs in a manner that consistently adds value. Strong customer centricity to implement strategies ensuring a positive experience at every touch point. Hybrid/flexible schedule: in‑office expectation of 3 or more days per week with flexibility to work outside the office for remaining days. Benefits Healthcare (medical, dental, vision) Basic term and optional term life insurance Short‑term and long‑term disability Pregnancy disability and parental leave 401(k) and employer‑funded retirement plan Paid vacation (2–5 weeks based on salary grade and tenure) Up to 11 paid holiday opportunities Adoption assistance Accruals of one hour of sick and safe leave for every 30 hours worked, up to 80 hours per calendar year unless otherwise required by law Pay Range: $133,365.00 – $156,900.00. Salary may vary by location and other factors. U.S. Bank is an equal‑opportunity employer and strives to consider all qualified applicants without regard to protected characteristics. Background checks will be conducted in compliance with applicable local and federal laws. Posting may be closed earlier due to high volume of applicants. #J-18808-Ljbffr U.S. Bank