Senior Product Manager

Smartly is building a consumer lending marketplace for underserved and subprime borrowers. The Senior Product Manager will own the end-to-end consumer lending funnel, marketplace monetization, partner APIs, integrations, experimentation, and data measurement, working directly with the founders and cross-functional teams.

Responsibilities:

• The end-to-end funnel, from acquisition or lead ingestion through lender conversion and monetization
• A continuous experimentation roadmap — A/B tests, cohort and source-level analysis, field-level drop-off — and the discipline to turn findings into shipped changes
• Product strategy for lead monetization: lender eligibility and knockout criteria, offer matching and ranking, routing logic, and traffic allocation
• The move from primarily rules-based matching toward scored, data-driven routing and ranking, in partnership with Data Science
• Requirements and roadmap for lead-ingestion APIs, buyer and lender integrations, and third-party data connections — payloads, schemas, webhooks, conversion events, attribution, error handling, and monitoring
• Tooling and process that shorten the path from signed partner to live, measurable integration
• The measurement framework for the funnel and the marketplace: volume by source, eligibility and offer rates, click-through, application and approval rates, revenue per lead, and downstream quality
• Evaluation and integration of enrichment sources — credit attributes, identity, verification, income and employment, behavioral signals — where they measurably improve matching, conversion, or revenue per lead

Requirements:

• 5+ years in product management — fintech, consumer lending, marketplaces, lead generation, performance marketing, adtech, or another data-heavy consumer business
• Ownership of a funnel, marketplace, or performance product with measurable accountability for conversion, revenue, or unit economics
• Real fluency with REST APIs, JSON, data schemas, event tracking, and webhooks — enough to write the spec and help debug the integration
• Strong experimentation and funnel-analysis skills, and the ability to define the KPIs rather than inherit them
• SQL, or a demonstrated ability to get answers out of large datasets without waiting on someone else
• Comfort in an early-stage environment with incomplete tooling and shifting priorities
• Consumer lending, personal loans, or credit products
• Multi-lender or multi-buyer marketplaces: waterfalls, auctions, lead scoring, offer management
• Third-party data providers, enrichment services, or identity and verification tools
• Working with Data Science or ML on predictive models, ranking, or decisioning systems
• Regulated consumer financial services; product analytics tools such as Amplitude, Mixpanel, Looker, or Tableau