Sr Product Manager, Embedded Lending
About The Position
Make financing a growth lever for merchants. LendingClub puts customers at the center of everything we do. Our Purchase Finance team builds the embedded lending experiences that power affordable, transparent financing for merchants and their customers. Think: seamless origination, smart risk decisions, and delightful UX — all at scale in a regulated environment. We operate like a startup within a fintech: fast, outcomes‑driven, and deeply collaborative with engineering, design, data science, risk, compliance, and go‑to‑market. If you love owning zero‑to‑one and one‑to‑n, this is for you.
Requirements
- 6+ years of product management experience; background in fintech and lending preferred
- Bachelor's degree in a related field; or equivalent work experience
- Proven owner/operator who can break down complex problems, explore solutions, and ship value quickly in a regulated environment
- Excellent communicator and stakeholder influencer across engineering, design, data science, risk, compliance, and sales
- Deep customer empathy for both merchants and borrowers; strong product discovery chops (qual/quant research, prototyping, usability testing)
- Analytical athlete: comfortable with metrics/OKRs, funnels, A/B testing, and pulling your own data (SQL/Looker/Amplitude or similar)
- Familiar with origination, underwriting, KYC/KYB, fraud and the trade‑offs between growth, experience, and risk
- Experience leading API-driven partner integrations and platform migrations
Nice To Haves
- Knowledge of the Home Improvement industry or other merchant
Responsibilities
- Own the origination funnel end‑to‑end.
- Redesign and optimize our lending application flows (web, mobile, API) to improve conversion, approval rates, and time‑to‑decision while meeting compliance and risk standards
- Ship an ROI‑driven roadmap.
- Prioritize outcomes, define success metrics/OKRs, and lead execution from concept and discovery through launch and iteration
- Level‑up merchant engagement.
- Drive rollout of a modern sales CRM and tooling (e.g., Salesforce) across field sales and insights teams; deprecate legacy apps with clear migration plans
- Strengthen credit & fraud performance.
- Partner with data science, risk, and compliance to introduce verification orchestration (KYC/KYB), fraud signals, and underwriting features that reduce losses and friction
- Obsess over the customer journey.
- Map current‑state merchant and borrower experiences; define future‑state flows, use cases, and acceptance criteria with strong UX sensibility
- Integrate with strategic partners.
- Lead API-first integrations with merchant platforms and third-party providers; ensure reliability, observability, and a great developer experience
- Instrument and experiment.
- Ensure clean event tagging, build dashboards, run A/B tests, and turn insights into shipped improvements
- Evolve the platform.
- Partner with engineering on platform enhancements, tech modernization, and process upgrades that improve quality, throughput, and compliance posture
Benefits
- medical, dental and vision plans for employees and their families
- 401(k) match
- health and wellness programs
- flexible time off policies for salaried employees
- up to 16 weeks paid parental leave
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Number of Employees
1,001-5,000 employees
