Principal Product Lead, Credit Risk

As a Principal Product Lead at Enigma, you will be responsible for owning and driving the Credit Risk product line. Your role will involve gathering insights from internal and external experts, crafting a compelling vision, and aligning the company towards achieving that vision. You will play a critical role in Enigma's mission of creating a general FICO score for small businesses and unlocking capital for SMBs. Additionally, you will research customer needs, educate others within the company, and build business cases for expanding into new market segments. This is an opportunity for someone who craves ownership, is data-driven, and has a passion for unlocking transformative value through data.

• Act as the ultimate end-to-end owner for Enigma's Credit Risk product line
• Take in qualitative and quantitative insights from external and internal experts on the market
• Craft a compelling and convincing vision for winning the market
• Drive alignment within the company to achieve the vision
• Fulfill Enigma's mission of creating a general FICO score for small businesses and unlocking capital for SMBs
• Own Enigma's strategy, product roadmap, and operations for winning the market
• Define the full-funnel user experience
• Research the needs of customers in the use case
• Educate and train others within the company
• Convince the company and the market of Enigma's differentiation and strategy advantage
• Research and build business cases for expanding into new market segments related to Credit Risk
• Bring existing expertise on the market and educate others within the company
• Research and build business cases for expanding into new adjacent use cases and market segments
• Use Enigma's exclusive access to credit and debit card data to build Enigma's Credit Risk product
• Predict delinquencies months in advance and automate SMB credit product approvals
• Grow and lead a product and business line end-to-end
• Have a bird's eye view on a rapidly developing market opportunity
• Find creative and scrappy solutions and practice "lean startup" methodologies
• Build a strong network of fintech leaders
• Crave ownership and accountability
• Be deeply empathetic with users and customers
• Be highly data-driven
• Be energized by acquiring expertise in new markets
• Be passionate about data and its transformative value in businesses
• Bring strong business and sales acumen
• Have existing expertise in Credit Risk products in underwriting, line adjustment, and related areas.

• Craves ownership and accountability
• Is deeply empathetic with users and customers, understanding their problems, pain points, workflows, and current solutions
• Is highly data-driven, using qualitative and quantitative insights to drive product recommendations
• Is energized by quickly acquiring expertise in new markets; is hungry to learn about the ways in which the market for SMB data is evolving and untapped needs
• Is passionate about data and the ways in which it can unlock transformative value in businesses - and able to sell this value to senior leaders internally and externally
• Brings strong business and sales acumen, with the ability to run a proof-of-concept or evaluation on their own
• Existing expertise in Credit Risk products in underwriting, line adjustment, and related areas

• Ownership and accountability
• Deep empathy with users and customers
• Data-driven decision making
• Opportunity to acquire expertise in new markets
• Passion for data and its transformative value in businesses
• Strong business and sales acumen
• Existing expertise in Credit Risk products
• Consulting, product management, solutions engineering, or general management experience
• Strong product management experience preferred
• Business-oriented mindset
• Strong data and analytical literacy
• Opportunity to work with Python and SQL programming
• Competitive salary range ($150,000-$210,000)
• Additional benefits and opportunities
• Option to purchase ownership in the company