Head of Product & Customer Experience

These are just a few words that describe what life is like at Toyota. As one of the world’s most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company- delivering on Toyota's vision to move people beyond what's possible. At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment.

You must have the right to work in the United States and not require Toyota support or sponsorship for immigration-related employment (e.g., H-1B, O-1, E-3, H-1B1, TN, F-1 OPT, F-1 STEM OPT, F-1 CPT, ‘job flexibility benefits’ [also known as I-140 or Adjustment of Status portability], etc.) You should not apply for this role if you will require Toyota to assist with immigration support or sponsorship now or in the future.

Toyota Financial Services is looking for a product manager who is obsessed with the customer, makes decisions with data, and moves with the urgency of a startup inside one of the world’s most trusted brands.

This isn’t a project management role. Loan origination is one of the most entrenched, friction-heavy processes in financial services — layers of paperwork, hand-offs, and waiting that customers have simply learned to tolerate. We’re looking for someone with a strong point of view on what modern origination should feel like — fast, transparent, and built around the customer rather than the institution — grounded in a real understanding of how lending works underneath. You’ll talk to real customers, dig into the data to find where the experience breaks down, and make hard trade-off decisions with incomplete information.

Own the vision and implementation of the credit decisioning experience — the soft credit pull, the approval engine thatdeterminesloan amount, LTV, and rate tier, conditional data collection, co-borrower support, and clear handling of denials and next steps

Own fraud and identity — partner with risk and fraud teams to define the identity verification and fraud-detection checks that protect customers and the business without adding friction for legitimate applicants

Own the compliance foundation — ensure every credit decision and disclosure is defensible and meets regulatory requirements (TILA, ECOA, Fair Lending, CFPB), partnering closely with legal and compliance

Own the product quality, testing strategy, and validation of business outcomes before release.Talk to customers regularly — run usability tests, join discovery interviews, and use what you learn to shape the product

Define product strategy throughPress Release + Frequently Asked Questions (PR/FAQs)andProduct Requirements Documents(PRDs)that articulate the customer problem, the solution, and howwe’llmeasure success

Make prioritization decisions based on data, customer feedback, and business impact — not opinions or stakeholder loudness

Ship incrementally — define releases, set acceptance criteria, and get working software in front of users fast

Instrument everything — define success metrics for approval rates, funnel conversion, and risk, build dashboards, and use data to decide what to build next

7+ years of product management experience on digital products related to financing

• Deep understanding of loan originations and consumer lending — how credit decisions get made, how risk is priced, and what drives approval, funding, and loss
• Experience with credit decisioning, underwriting, or approval systems — you understand the mechanics behind a lending decision, not just the customer-facing surface
• Ability to drivestrategicdirectionto increase auto decisioning and counter offers as we expand to support full spectrum creditto our customers
• Strong collaboration with businesssubject matter experts (SMEs)to close out open questions and business decisions to unblock theproduct, UX and engineering teams tomaintainproduct development momentum
• Startup mindset with enterprise polish —you’recomfortable with ambiguity, you move fast, but you can bring along critical stakeholders with patience and confident leadership
• Experience with fraud and identity — you understand how fraud and identity-verification systems work and how to balance risk controls against customer friction
• Working knowledge of lending regulation and compliance (TILA, ECOA, Fair Lending, CFPB) — enough to partner credibly with legal and hold a high bar on defensibility
• Hands-on with data —you’recomfortable digging into large datasets, writing queries, and working with aggregations to understand approval, funnel, and risk behavior yourself, not waiting on a report
• Track recordof shipping products that customersactually use— not just features that got deployed
• Experience working directly with engineering teams in an agile environmentin order toensure that what is built matches your vision in the most effective way
• Passion for modern product management practices and AI-powered tooling — you actively explore how AI can accelerate discovery, analysis, and delivery

Added bonus if you have

Experience in automotive finance, fintech, lending, or marketplace products

Experience with soft and hard credit pull integrations and credit bureau data

Experience withKiro,AI/ML-powered decisioning, risk, or fraud models

You’vewritten a PR/FAQ or similar “working backwards” product document

During your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. Professional growth and development programs to help advance your career, as well as tuition reimbursement

Comprehensive health care and wellness plans for your entire family

Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute (if applicable)

Paid holidays and paid time off

Tax Advantaged Accounts (Health Savings Account, Health Care FSA, Dependent Care FSA)

Relocation assistance (if applicable)

Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law.

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