Senior Product Manager (R14156)

Oportun is a mission-driven financial services company that provides borrowing, savings, and budgeting capabilities to help members build a better financial future. The Senior Product Manager will lead the strategy and development of Lending Originations products and capabilities, improving applicant experiences, loan conversion, and member financial health. The role involves setting product strategy, leading cross-functional execution, using experimentation and data to drive outcomes, and ensuring responsible lending and regulatory compliance.

Responsibilities:

• Own the product strategy and multi-quarter roadmap for Lending Originations journeys or capabilities, contributing to the broader multi-year Originations vision
• Establish objectives, key results, and performance metrics aligned with company priorities and member needs
• Identify and prioritize opportunities to improve application completion, approval, funding, and new-loan conversion
• Translate complex customer, business, risk, and operational needs into clear product priorities and scalable solutions
• Maintain a deep understanding of applicant and member needs through user research, data analysis, surveys, experimentation, and feedback loops
• Develop frictionless lending experiences that improve applicant satisfaction while supporting responsible lending and regulatory requirements
• Identify opportunities to improve both self-service and agent-assisted originations experiences
• Scope and lead the development of new Lending Originations products, capabilities, and features
• Lead high-performing cross-functional teams that include Engineering, Design, Data, Risk, Fraud, Marketing, Operations, Legal, and Compliance
• Drive products from discovery and validation through launch, measurement, iteration, and scale
• Anticipate obstacles, manage dependencies, and help teams resolve blockers to deliver meaningful value for members and the business
• Balance near-term delivery with longer-term platform scalability, reliability, and maintainability
• Develop and execute experiments across the originations funnel to deliver measurable improvements in application completion, conversion, approval, and funding
• Define success metrics and use data to evaluate performance, identify insights, and inform product decisions
• Assess trade-offs across member experience, credit risk, fraud risk, operational efficiency, regulatory requirements, and financial performance
• Build strong collaboration and alignment across a broad group of cross-functional stakeholders
• Craft a clear product narrative and communicate priorities, decisions, risks, dependencies, and trade-offs to executive leadership and partner teams
• Facilitate effective decision-making in an environment with complex constraints and shifting priorities
• Influence the organization through product expertise, structured thinking, strong judgment, and clear documentation
• Partner closely with Legal, Compliance, Risk, and Fraud teams to ensure originations products adhere to applicable regulatory requirements, internal policies, and industry best practices
• Design solutions that balance growth and conversion objectives with responsible lending, risk management, and member protection
• Support the launch and ongoing management of products operating within complex legal and regulatory frameworks

Requirements:

• 7+ years of core product management experience in high-growth environments
• Demonstrated experience leading complex, high-impact product initiatives from strategy through execution and scale
• Strong track record of launching and iterating on customer-facing products that delivered measurable business and customer outcomes
• Passionate about improving the financial health of Oportun's members
• Experienced in creating simple, accessible, and frictionless customer experiences
• Able to balance customer needs with business, risk, operational, and regulatory considerations
• Demonstrated ability to structure and solve complex, ambiguous problems
• Strong experience using data to make decisions, define metrics, develop hypotheses, and measure results
• Experience with experimentation, funnel analysis, product analytics, and performance optimization
• Proven ability to build consensus and drive results across a wide range of cross-functional partners
• Comfortable influencing senior stakeholders without relying on direct authority
• Able to operate effectively in a fast-paced environment with shifting priorities and competing constraints
• Clear, concise, and persuasive written and verbal communicator
• Strong documentation, storytelling, and executive presentation skills
• Able to communicate complex product, technical, risk, and business concepts to different audiences
• Scrappy, solution-oriented, and accountable for outcomes
• Able to move fluidly between strategic thinking and detailed execution
• Skilled at identifying risks, managing dependencies, resolving blockers, and maintaining momentum
• Experience launching and managing products within complex legal and regulatory frameworks
• Familiarity with credit risk, fraud, compliance, servicing, or financial-product economics is beneficial
• Experience in financial services, FinTech, lending, digital banking, or another highly regulated industry is strongly preferred
• Prior experience with lending originations, credit products, underwriting, application funnels, or loan decisioning is strongly preferred