Senior Product Manager

Clutch is on a mission to transform Credit Unions into fintechs, helping them deliver digital experiences that rival the best banks and lenders in the world. As the Senior Product Manager for the Underwriting team, you will own a critical pillar of that mission by enabling credit unions to automate their loan decisioning process and define product strategy in partnership with Engineering.

Responsibilities:

• Develop a deep understanding of our underwriting architecture, including current capabilities, limitations, and tradeoffs
• Build strong working relationships across Engineering, Sales, and other business partners
• Take ownership of prioritization across foundational platform work and customer-driven needs
• Pilot a new product offering or feature with your first credit union
• Define and communicate a clear product strategy and roadmap for underwriting automation
• Partner with Sales to define how underwriting automation drives customer lifecycle value, including land-and-expand opportunities across multiple lending products
• Demonstrate measurable improvements in automation rates, time-to-decision, and straight-through processing outcomes for live customers
• Establish our loan policy engine as a focused, opinionated product rather than a generic decisioning layer
• Influence longer-term platform and architecture decisions based on real customer usage and outcomes

Requirements:

• Strong product ownership mindset, with a track record of delivering 0→1 products in ambiguous environments
• The ability to balance foundational platform investments with shipping customer-impacting features
• Experience in lending, banking, or underwriting-adjacent domains
• Strong cross-functional leadership skills, with experience in influencing without direct authority
• Clear, opinionated thinking paired with the flexibility to adapt as new information emerges
• 5+ years of Product Management experience in a fast-paced environment, preferably in SaaS and/or fintech