Senior Director - Product Management, Debt Management & Post-Close

Equifax • St. Louis, MO

3d • Hybrid

About The Position

Equifax is where you can power your possible. If you want to achieve your true potential, chart new paths, develop new skills, collaborate with bright minds, and make a meaningful impact, we want to hear from you. As the Senior Director, Product for Debt Management & Post-Close, you will lead the evolution of products that support financial institutions after a loan has been funded. While much of the industry focuses solely on the point of origination, you will own the strategy for the long-tail of the lending journey—focusing on account management, portfolio health, and debt recovery services powered by The Work Number®. What You’ll Do: Strategic Growth: Own the roadmap for the Debt Management vertical and the broader "Post-Close" lending ecosystem. You will identify market trends and customer pain points to expand our footprint in account review and collections. Portfolio Intelligence: Drive the vision for our batch-delivery channel, ensuring our data insights are integrated into the recurring workflows lenders use to monitor risk and manage their existing portfolios. Lifecycle Innovation: Identify opportunities to "shift right" in the lending lifecycle, developing solutions that provide continuous value from the moment a loan is closed through its entire duration. Cross-Functional Collaboration: Serve as a bridge between internal business units, partnering with data and analytics teams to create integrated solutions that combine employment and income data with broader credit insights. Customer Advocacy: Act as the subject matter expert for post-close lending, engaging with key clients to understand how automated data insights can replace manual processes in their portfolio management and recovery operations.

Requirements

• Lending & Credit Expertise: 7-10 years of product management experience required, preferably within Financial Services, Fintech, or Credit Risk. A deep understanding of the regulatory landscape for debt management or collections is a significant plus.
• Bachelor's degree
• Data Channel Proficiency: Experience managing products delivered via batch processing or large-scale data integrations. You understand how to productize high-volume data for institutional clients.
• Influence without Authority: Proven track record of driving complex product initiatives in a matrixed environment. You know how to align stakeholders across sales, technology, and data science to execute a vision.
• Product Lifecycle Management: Demonstrated ability to take a product from initial concept through market launch and into the scaling phase.

Nice To Haves

• Collections Technology Background: Direct experience building or managing platforms used for debt recovery, garnishment, or loss mitigation.
• Portfolio Risk Management: Experience developing tools used for Credit Line Increases (CLI), retention strategies, or proactive risk monitoring.
• Strategic Integration: Success in "bundling" disparate data assets to create a more comprehensive view of the consumer for the lender.

Responsibilities

• Strategic Growth: Own the roadmap for the Debt Management vertical and the broader "Post-Close" lending ecosystem. You will identify market trends and customer pain points to expand our footprint in account review and collections.
• Portfolio Intelligence: Drive the vision for our batch-delivery channel, ensuring our data insights are integrated into the recurring workflows lenders use to monitor risk and manage their existing portfolios.
• Lifecycle Innovation: Identify opportunities to "shift right" in the lending lifecycle, developing solutions that provide continuous value from the moment a loan is closed through its entire duration.
• Cross-Functional Collaboration: Serve as a bridge between internal business units, partnering with data and analytics teams to create integrated solutions that combine employment and income data with broader credit insights.
• Customer Advocacy: Act as the subject matter expert for post-close lending, engaging with key clients to understand how automated data insights can replace manual processes in their portfolio management and recovery operations.

Benefits

• We offer comprehensive compensation and healthcare packages, 401k matching, paid time off, and organizational growth potential through our online learning platform with guided career tracks.

What This Job Offers

• Job Type: Full-time
• Career Level: Director
• Number of Employees: 5,001-10,000 employees