Senior Product Manager

Clutch

20d•Remote

About The Position

Clutch is on a mission to transform Credit Unions into fintechs — helping them deliver digital experiences that rival the best banks and lenders in the world. As the Senior Product Manager for the Underwriting team, you’ll own a critical pillar of that mission: enabling credit unions to automate their loan decisioning process. You’ll define product strategy in close partnership with Engineering while also serving as a product champion alongside Sales and other GTM partners. This role operates at the intersection of lending operations, automation, and platform capabilities, with a direct mandate to help launch and scale our automated underwriting. It’s best suited for someone with lending experience and a strong 0→1 track record who is motivated by driving meaningful, real-world outcomes. You’ll join a high-talent density Product & Engineering org with a culture of ownership, speed, and judgment. PMs here work shoulder-to-shoulder with engineers and GTM peers, driving clarity and tough tradeoffs instead of waiting for direction. This is a pivotal moment at Clutch. We’re on a strong growth trajectory, and how we scale our lending offerings over the next 12 months will play a major role in building durable leverage across the company.

Requirements

Strong product ownership mindset, with a track record of delivering 0→1 products in ambiguous environments
The ability to balance foundational platform investments with shipping customer-impacting features
Experience in lending, banking, or underwriting-adjacent domains
Strong cross-functional leadership skills, with experience in influencing without direct authority
Clear, opinionated thinking paired with the flexibility to adapt as new information emerges
5+ years of Product Management experience in a fast-paced environment, preferably in SaaS and/or fintech

Responsibilities

Develop a deep understanding of our underwriting architecture, including current capabilities, limitations, and tradeoffs
Build strong working relationships across Engineering, Sales, and other business partners
Take ownership of prioritization across foundational platform work and customer-driven needs
Pilot a new product offering or feature with your first credit union
Define and communicate a clear product strategy and roadmap for underwriting automation
Partner with Sales to define how underwriting automation drives customer lifecycle value, including land-and-expand opportunities across multiple lending products
Demonstrate measurable improvements in automation rates, time-to-decision, and straight-through processing outcomes for live customers
Establish our loan policy engine as a focused, opinionated product rather than a generic decisioning layer
Influence longer-term platform and architecture decisions based on real customer usage and outcomes

Benefits

Remote Flexibility: Enjoy the freedom of remote work from anywhere, balancing life and career seamlessly.
Unforgettable Off-Sites: Twice a year, bond with colleagues in exciting destinations, fostering teamwork and fresh ideas.
Paid Time Off: Enjoy flexible PTO days yearly for relaxation and rejuvenation.
Stock Options: Joining us means having a stake in our success, so you'll receive stock options as part of your compensation package.
Home Office Setup: Create your ideal workspace with a dedicated budget for home office essentials.
Work Trip Budget: Grow personally and professionally with a budget for work-related trips and co-working.
Health Coverage: Prioritize your well-being with comprehensive health and dental insurance plans.

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