Senior Product Manager - Lending Conversion

Earnest

104d • $190,000 - $240,000

About The Position

Our mission is to make higher education accessible and affordable for everyone. We empower students with financial support and supercharge their ability to pay down their debt, so they can get on the right financial track, fast. We build tools that help people feel in control of their financial future, including private student loans, student loan refinancing, and access to thousands of scholarships. Earnies are committed to helping students live their best lives, free from the stress of student debt. This role will report to the Vice President of Product - Lending. We’re looking for a Senior Product Manager to lead funnel conversion across our lending products—owning the borrower funnel end-to-end and driving the next stage of growth in loan originations. This is a highly visible, high-impact role at the heart of our lending business. You’ll work closely with a dedicated cross-functional team to simplify the funnel, personalize the borrower journey, and reimagine conversion through automation and AI.

Requirements

• 5+ years of product management experience, with a track record of end-to-end ownership and results.
• 3+ years in lending products
• 3+ years in fintech (can be overlapping with the above).
• A builder’s mindset—you’re hands-on, comfortable with ambiguity, and skilled at turning big ideas into clear, achievable plans.
• Strong product instincts backed by data fluency—you know how to use metrics, experimentation, and customer insights to guide decisions.
• Excellent communication and storytelling skills—you can align teams, influence stakeholders, and make complexity easy to understand.
• A natural collaborator who thrives in cross-functional settings and builds strong partnerships across product, engineering, design, analytics, and business teams.
• A passion for solving real problems for real people—and for making financial products simpler, more transparent, and more effective.

Responsibilities

• Own conversion funnel strategy across all lending products, from top of funnel through funded loan.
• Drive loan originations by identifying and delivering funnel improvements that increase application starts, completions, and funding rates.
• Simplify and reimagine the borrower journey through automation, new data sources, personalization, and segmentation.
• Run funnel experiments that optimize borrower experience and uncover scalable levers for growth.
• Leverage LLMs and AI to create innovative, data-driven borrower experiences and streamlined workflows.
• Collaborate closely with engineering, design, analytics, marketing, operations, and credit to deliver results.
• Use both qualitative insights and quantitative data to uncover borrower needs, validate hypotheses, and measure impact.
• Define, track, and deliver against funnel KPIs (conversion rates, drop-off points, time to fund, NPS, etc.) and business outcomes (loan volume, unit economics).
• Ensure funnel initiatives meet compliance and regulatory requirements.
• Communicate strategy, progress, and learnings to stakeholders across the company.

Benefits

• Health, Dental, & Vision benefits plus savings plans
• Mac computers + work-from-home stipend to set up your home office
• Monthly internet and phone reimbursement
• Employee Stock Purchase Plan
• Restricted Stock Units (RSUs)
• 401(k) plan to help you save for retirement plus a company match
• Robust tuition reimbursement program
• $1,000 travel perk on each Earnie-versary to anywhere in the world
• Competitive days of annual PTO
• Competitive parental leave

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Number of Employees: 101-250 employees