Product Manager - Collect

MeridianLink is seeking a Product Manager for their product management team. The role involves overseeing the product roadmap, Go-To-Market strategy, and pricing for the cloud-based collections and recovery platform, while collaborating with various stakeholders to ensure successful product delivery.

Responsibilities:

• Own the roadmap for MeridianLink Collect, our cloud-based collections and recovery platform serving credit unions and community banks
• Lead continuous discovery with collections managers, VPs of Collections, collectors, and compliance officers at financial institution partners — using interviews, usage analytics, and performance data to identify high-value problems worth solving
• Write crisp, well-reasoned PRDs and user stories covering the full delinquency lifecycle: early-stage (Day 1–30) outreach, mid-stage queue prioritization, workout and promise-to-pay arrangements, repossession, bankruptcy, charge-off, and post–charge-off recovery
• Drive agile delivery ceremonies and maintain a healthy, well-prioritized backlog aligned to team OKRs, balancing net-new capability against platform health and security work
• Define and monitor product KPIs that matter in collections — recovery rate, cost-per-recovered-dollar, roll rate and cure rate by stage, right-party contact rate, collector productivity, and charge-off avoidance — and use them to inform prioritization and demonstrate business impact
• Partner with Engineering, UX, Sales, Customer Success, Implementation, and Compliance to drive alignment and unblock delivery
• Serve as the collections domain expert — representing FI needs internally and translating collector workflow reality into clear requirements
• Partner with Sales, Marketing, and Customer Success on positioning, enablement, and proof points for the area you own
• Contribute to team-level strategy discussions, including how Collect fits alongside the other products in our consumer lending portfolio
• Partner with Compliance, Legal, and Security to translate evolving regulatory guidance into configurable platform controls that FIs can operate confidently — recognizing that our clients are examined on how they use the platform, and our job is to make the compliant path the default path
• Assess where emerging technology genuinely improves recovery outcomes and collector effectiveness versus where it adds cost, risk, or complexity — and build the case for the opportunities worth pursuing
• Own product thinking for a broad integration surface spanning core banking platforms and third-party vendors across payments, skip tracing, e-signature, repossession, credit bureaus, and print/mail
• Stay current on consumer collections trends, delinquency and charge-off dynamics for community FIs, competitive movement in the collections and recovery space, and regulatory developments materially affecting collections practice

Requirements:

• Bachelor's degree and 2+ years of relevant product management experience
• Proven track record of owning a product area end-to-end — discovery, definition, delivery, and iteration
• Experience managing API-integrated software products with multiple stakeholder groups
• Strong command of agile methodologies and modern product discovery practices (Jobs-to-Be-Done, continuous discovery, etc.)
• Analytical mindset — comfortable using data and product analytics tools to drive decisions and measure outcomes
• Exceptional written and verbal communication skills; able to simplify complexity and align diverse stakeholders
• Deep customer empathy — you've invested real time understanding users and translated those insights into shipped improvements
• Comfort operating in a regulated product domain where a design decision can create compliance exposure for a customer
• 0-to-1 experience — you've taken a product, module, or major capability from a blank page to a live, revenue-generating offering, and you're comfortable with the ambiguity, scrappy validation, and pilot-customer wrangling that comes with defining something before there's a playbook for it
• Direct collections, recovery, loss mitigation, or default servicing domain experience — you understand queue-driven collector workflows, delinquency stages and roll rates, promise-to-pay and workout mechanics, and what actually happens on a collections floor
• Working knowledge of the collections regulatory stack — FDCPA and Regulation F (including 7-in-7 contact limits and time-of-day restrictions), TCPA consent and revocation, SCRA/MLA servicemember protections, FCRA/Metro 2 furnishing and dispute handling, UDAAP, and CFPB supervisory expectations — with a sense for which requirements belong in configuration versus hard-coded controls
• Experience building compliance-by-design product capabilities: automated contact-limit enforcement, opt-out and preference management, consent tracking, and audit trails that hold up under examination
• Experience with bankruptcy, repossession, charge-off, or post–charge-off workflows, including third-party collection agency placement and recovery vendor management
• Familiarity with core banking integration patterns (Symitar/Episys, Fiserv DNA, Corelation/Keystone, FIS) and the batch-plus-API reality of keeping account data current
• Familiarity with payments and money-movement products — ACH and card rails, Reg E error resolution, and PCI DSS constraints on cardholder data
• Exposure to AI/ML in product contexts — you've thought carefully about where intelligent automation adds genuine value versus hype, and how to keep model-driven decisions defensible in a regulated workflow
• Experience working with or selling to banks, credit unions, or other regulated financial institutions, and comfort presenting to examiner-facing stakeholders like compliance officers and internal audit