Senior Product Manager, Oportun
$127.8-204.5k
Senior and Expert level
Remote from US
Digital banking & loan platform
Be an early applicant
Digital banking & loan platform
1001+ employees
FintechB2CArtificial IntelligencePersonal financeLendingFinancial Services
Be an early applicant
$127.8-204.5k
Senior and Expert level
Remote from US
1001+ employees
FintechB2CArtificial IntelligencePersonal financeLendingFinancial Services
Company mission
To help people across the United States create a brighter financial future.
Role
Who you are
- The ideal candidate thrives in a fast-paced environment and is passionate about building simple, responsible, and accessible financial products
- 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
- Experience in financial services, FinTech, lending, digital banking, or another highly regulated industry is strongly preferred
- 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
- Prior experience with lending originations, credit products, underwriting, application funnels, or loan decisioning is strongly preferred
- Experience launching and managing products within complex legal and regulatory frameworks
- Familiarity with credit risk, fraud, compliance, servicing, or financial-product economics is beneficial
What the job involves
- We are looking for a talented and creative problem solver to join Oportun as a Senior Product Manager for Lending Originations
- In this role, you will lead the strategy and development of capabilities that improve the applicant experience, increase new-loan conversion, and support the financial health of Oportun’s members
- This is a senior individual contributor product role for a strategic, hands-on problem solver with a strong track record of solving complex problems and delivering meaningful customer and business outcomes
- You will articulate the product strategy, establish objectives and key results, define a multi-year roadmap, and lead cross-functional teams in delivering best-in-class lending experiences
- You will work closely with Engineering, Design, Data, Risk, Fraud, Marketing, Operations, Legal, Compliance, and other partners to identify opportunities, align priorities, and drive execution
- 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
Our take
Oportun is an AI-powered digital banking platform that makes financial health effortless for anyone. Following the company’s acquisition of former competitor Digit, it has expanded its services to offer a wider range of bank features – providing personal loans, credit cards, saving accounts, and an investment app.
Many struggle with the paradox of “you have to have credit to build credit”, as legacy banking systems tend to give those beginning their credit journeys a bad deal. Capitalizing on the growth in popularity of mobile banking apps, Oportun provides affordable and accessible financial services to those already using mobile banking apps.
While Oportun faces a number of strong market competitors, it has served millions of customers and facilitated billions in credit and savings - demonstrating that it is a force to be reckoned with. It has also raised considerable funding that will support its further development.
Freddie
Company Specialist at Welcome to the Jungle
Insights
Top investors
7% employee growth in 12 months
Company
Funding (last 2 of 5 rounds)
Sep 2019
$27.5m
SERIES C
Jun 2016
$22.5m
SERIES B
Total funding: $66.3m
Company benefits
- Paid time off
- Bonus and incentive programs
- Comprehensive healthcare packages, including medical, dental, vision, and flexible spending accounts (FSA)
- Remote work options for many of our positions
- Virtual coffee chats, holiday parties, and events
Company HQ
San Carlos, CA
Leadership
Raul Vazquez
(CEO)Former EVP of Walmart. They are a Member of the Board of Directors at Intuit.
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