Senior Product Manager, HELOC Decisioning
Owns the strategy and execution of HELOC underwriting, verification, and decisioning products, partnering with risk, capital, compliance, engineering, and ML teams. The role requires 5+ years of product management experience, strong analytical and communication skills, and the ability to balance borrower experience with portfolio quality.
About the job
Responsibilities
- Own the strategy and roadmap for streamlining the decisioning and verification experience, translating risk, capital, compliance, and borrower-experience needs into priorities, requirements, and launch plans.
- Collaborate with Capital, Compliance, Risk, and Machine Learning teams to expand underwriting guidelines and reach new borrower segments.
- Define and evolve backend logic for underwriting and decisioning, balancing risk accuracy, borrower friction, and data uncertainty.
- Increase automation and instant approvals in the HELOC underwriting process using new data sources and machine learning, including LLMs, to reduce manual work while improving speed and quality.
Requirements
- 5+ years of product management experience on fast-moving, customer-focused teams.
- Demonstrated ability to drive business outcomes using quantitative metrics and qualitative insight.
- Comfort making decisions with imperfect information and exercising sound risk judgment.
- Strong product sense and experience authoring and executing multi-quarter roadmaps.
- Rigorous, analytical problem-solving skills.
- Clear, concise, and persuasive communication skills.
- Strong ownership, growth mindset, and cross-functional collaboration skills.
Nice-to-haves
- Experience designing complex backend systems that drive direct business results.
- Experience partnering closely with Machine Learning teams.
Compensation and Benefits
- US anticipated base salary: $162,100–$224,500 USD, varying by geographic compensation region.
- Target bonuses, equity compensation, and benefits including medical, dental, vision, 401(k) matching, employee stock purchase plan, health savings account contributions, life and disability insurance, paid time off, family and parental leave, family-centered benefits, and an Employee Assistance Program.
Skills
Product Management, Product Roadmap, Backend Systems, Underwriting, Decisioning Systems, Machine Learning, LLMs, Risk Management, Quantitative Analysis, Cross-Functional Collaboration
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