Sr Product Manager - Vehicle Lending

Golden 1 Talent Acquisition Team•Sacramento, CA

2d•$124,700 - $160,000•Hybrid

About The Position

Our headquarters in Sacramento contains the core functions that support our mission to deliver financial solutions with value, convenience and exceptional service to our members. This role leads the strategy, development, and ongoing optimization of Golden 1’s direct and indirect vehicle lending products, ensuring they deliver value for members, support loan growth, and align with organizational objectives. The ideal candidate is a strategic product leader who creates and executes vehicle lending product strategies that strengthen Golden 1’s competitive position and member value proposition. Extensive experience leading product, program, and project management initiatives within financial services, with deep expertise in direct and indirect vehicle lending products and systems is required.

Requirements

Bachelor’s Degree in related field required
10+ years of product/program/project management experience (at least five years in a senior or lead role) with a focus on direct and indirect vehicle lending product and systems management within financial services organizations required

Responsibilities

Develop and refine product strategies and roadmaps for Golden 1’s direct and indirect vehicle lending products across the full product lifecycle, from concept and design through launch, maturity, enhancement, and retirement.
Incorporate member insights, dealer and market feedback, competitive intelligence, and business performance trends to identify opportunities for growth, differentiation, and improved member value.
Lead the end-to-end product lifecycle for direct and indirect vehicle lending products, including concept development, business case creation, product design, requirements definition, implementation, launch, ongoing performance management, enhancement, and lifecycle decisions.
Partner closely with operations, technology, finance, risk management, marketing, and third-party partners to ensure successful delivery, adoption, and continuous optimization of product features, programs, pricing, and promotions.
Conduct ongoing research and analysis of member needs, dealer experience, portfolio performance, competitive offerings, economic conditions, and emerging industry trends within vehicle lending.
Translate insights into actionable recommendations related to product design, pricing, underwriting or decisioning strategies, channel enhancements, and lifecycle improvements.
Lead cross-functional collaboration to gather requirements, define product specifications, prioritize initiatives, and support execution across the product lifecycle.
Build strong partnerships with internal stakeholders and external partners, including dealer-related and third-party service providers, to ensure effective delivery of product enhancements, campaigns, process improvements, and strategic initiatives.
Establish and monitor key performance indicators and lifecycle metrics for direct and indirect vehicle lending products, including growth, yield, penetration, usage, credit performance, member experience, and promotional effectiveness.
Continuously assess product performance, member feedback, and market trends to identify risks, opportunities, and priorities for enhancement, repositioning, or retirement.
Maintain current knowledge of applicable laws, regulations, and compliance requirements affecting direct and indirect vehicle lending products.
Ensure products, programs, promotions, and processes are designed, implemented, and managed in alignment with regulatory expectations, internal policies, and Golden 1’s risk management standards.
Develop and maintain an understanding of the pertinent regulatory requirements and risks inherent to job responsibilities, establish, and maintain control activities that mitigate those risks consistent with the Credit Union’s risk appetite, and ensure operational integrity and compliance with applicable regulations.