Key skills
Credit Decisioning EngineUnderwriting LogicExpected-Loss ModelingRisk ManagementUI/UX DesignData Science CollaborationPortfolio Performance MonitoringOperational WorkflowsCross-Functional ExecutionProduct ManagementCommunication Skills
About this role
Alt is unlocking the value of alternative assets, starting with the $5 B trading-card market. They are seeking a Senior Product Manager to own the full credit system end-to-end, focusing on underwriting logic, risk thresholds, and operational workflows linked to lending products.
Responsibilities:
- Own underwriting logic for both cash advances and loans
- Partner with Data Science to refine model thresholds, LTV caps, expected-loss calculations, and override rules
- Improve calibration between expected loss (EL) and actual portfolio performance
- Ensure decisioning is fast, consistent, and scalable across asset categories
- Own the borrower UI/UX end-to-end: application → offer → funding → repayment
- Improve clarity, trust, and ease-of-use in the borrowing experience
- Reduce friction and increase completion rates for both cash advances and loans
- Develop features that encourage responsible, repeat borrowing
- Monitor loss rates, delinquency, utilization, and customer repayment behavior
- Work with Finance to maintain healthy margins and capital efficiency
- Implement guardrails that reduce adverse selection and improve overall risk quality
- Build dashboards and reporting that clearly communicate model health
- Own CX/Ops flows related to funding, repayment, manual review, and exceptions
- Reduce operational overhead through automation and clear logic pathways
- Ensure operational processes scale with volume while maintaining strong controls
- Build and own the quarterly roadmap for cash advances and lending
- Align Engineering, Data Science, CX, Finance, Compliance, and Marketplace Ops
- Communicate priorities clearly and drive disciplined, cross-functional execution
Requirements:
- 5–8+ years of PM experience in credit, lending, underwriting, risk, or fintech
- Strong understanding of underwriting logic, expected-loss modeling, delinquency, and LTV frameworks
- Comfortable interpreting model outputs and turning them into credit rules and customer-facing flows
- Experienced partnering with Finance, Data Science, CX, and Engineering
- A product thinker who can simplify complex financial decisions into clear, user-friendly interfaces
- Able to operate at multiple altitudes — from credit model details to high-level product strategy
- You move fast, take ownership, and communicate clearly