Sr. Product Manager

NinjaHoldings provides digital banking, lending, underwriting, fraud detection, and analytics services designed to improve access to financial services. The Sr. Product Manager will drive strategic initiatives for loan volume growth and portfolio performance, prioritize the lending roadmap, and manage the end-to-end product lifecycle. The role partners across Risk, Engineering, Marketing, Compliance, Finance, and other departments while applying data and AI/ML to improve lending outcomes.

Responsibilities:

• Manage and prioritize strategic projects in partnership with Risk, Engineering, Marketing, Compliance, Bank Partnerships, and Legal, ensuring alignment with key business outcomes
• Translate and clarify technical requirements to ensure readiness for development
• Use data to evaluate and communicate project impact, make informed trade-offs, and guide decision-making at the department level
• Be the nexus of understanding regarding "how the products work" from the perspective of Risk, Marketing, Engineering, Compliance and Call Center
• Own the end-to-end product lifecycle, from discovery and business case development through implementation, launch, monitoring, and optimization
• Drive experimentation through A/B testing and data analysis to improve conversion, approval rates, funding, customer outcomes, and portfolio performance
• Identify and prioritize opportunities to apply AI/ML across the lending lifecycle (underwriting, fraud, pricing, servicing, collections, customer support) and own delivery from concept to measurable impact
• Use AI tools daily in the product workflow - research, requirements drafting, data analysis, prototyping

Requirements:

• 5+ years of product management experience in financial services
• Demonstrated success delivering projects that require coordination and alignment of multiple departments
• Experience writing requirements for Engineering and other departments
• Experience supporting or leading the implementation of decision engines or other technical platforms
• Strong ability to determine priority of projects with disparate goals coming from various departments
• Strong ability to pitch ideas to department heads through the use of data and strategic thinking
• Strong ability to distill the needs of our customers to various departments
• Strong analytical ability to determine the impact of projects to a product's success
• Expertise in one of the following areas: Risk, Marketing, Software Engineering
• Hands-on fluency with AI tools (e.g., LLM assistants, AL coding/analysis tools) in day-to-day product work
• Deep experience in consumer lending
• Ability to write SQL
• Experience working in a startup or as an entrepreneur