Senior Product Manager, HELOC Decisioning

Role overview

Own the product strategy for underwriting and verification experiences supporting a home-equity line of credit. The role focuses on helping more qualified applicants move through decisioning with less friction while maintaining appropriate risk, compliance, capital, and portfolio-quality standards. You will work across Engineering, Risk, Machine Learning, Capital, and Compliance to expand eligibility, increase automation, and improve approval speed and operational efficiency.

Responsibilities

- Own the multi-quarter strategy and roadmap for decisioning and verification, translating borrower, risk, capital, and compliance needs into priorities and launch plans. - Partner with Capital, Compliance, Risk, and Machine Learning teams to expand underwriting guidelines and serve additional borrower segments. - Define and evolve backend underwriting and decisioning logic so complex systems capture relevant dimensions of borrower risk. - Balance data requirements, uncertainty, applicant friction, decision accuracy, and portfolio outcomes when setting product direction. - Increase automation and instant approvals by using additional data sources and machine-learning capabilities, including large language model applications where appropriate. - Use quantitative metrics and qualitative insight to assess outcomes, communicate trade-offs, and improve the experience over time.

Requirements

- 5+ years of product management experience on fast-moving, customer-focused teams. - Experience designing complex backend systems that drive measurable business results. - Experience partnering closely with Machine Learning teams. - Strong quantitative judgment, including comfort making decisions with imperfect information and evaluating risk trade-offs. - Strong product sense with experience creating and executing multi-quarter roadmaps and managing their downstream effects. - Clear communication, rigorous problem-solving, ownership, adaptability, and cross-functional collaboration skills.

Benefits and work setup

This is a remote role aligned to East and West Coast time zones. Most work can be completed remotely, with periodic in-person team sessions generally held once or twice per quarter for several consecutive days. The stated package includes health coverage, retirement support, paid leave, family and caregiving programs, wellness and productivity allowances, and community or team events.