Sr. Product Manager

NinjaHoldings•Chicago, IL

13h•Remote

About The Position

NinjaHoldings, founded in 2017, aims to provide everyday Americans with better access to financial services than traditional institutions. Through its CreditNinja and NinjaCard brands, it offers digital banking and lending products for often-overlooked consumers, along with incentives for long-term financial improvement. The Edge brand extends this expertise to other companies by offering underwriting, fraud detection, and analytics services. Headquartered in Chicago with a distributed global workforce, NinjaHoldings is a lean, growing organization dedicated to advancing consumer finance in the US. The Sr. Product Manager will collaborate with the Principal Product Manager of NinjaHoldings, driving initiatives that directly impact key business goals such as loan volume growth and portfolio performance. This role involves prioritizing the lending business's roadmap, determining the best course of action to meet business goals while ensuring essential "business as usual" tasks are not neglected. The Sr. Product Manager will work closely with various departments including Marketing, Risk, Engineering, Compliance, and Finance to ensure alignment towards key objectives. The ideal candidate will be analytical, as the business is driven by numbers, and technical, to support the design and implementation of scalable solutions. A personable, Type A personality is essential for success, requiring collaboration and leadership across teams on complex projects. The ability to transition seamlessly between big-picture thinking and detail-oriented tasks is crucial.

Requirements

5+ years of product management experience in financial services
Demonstrated success delivering projects that require coordination and alignment of multiple departments
Experience writing requirements for Engineering and other departments
Experience supporting or leading the implementation of decision engines or other technical platforms
Strong ability to determine priority of projects with disparate goals coming from various departments
Strong ability to pitch ideas to department heads through the use of data and strategic thinking
Strong ability to distill the needs of our customers to various departments
Strong analytical ability to determine the impact of projects to a product's success
Expertise in one of the following areas: Risk, Marketing, Software Engineering
Hands-on fluency with AI tools (e.g., LLM assistants, AL coding/analysis tools) in day-to-day product work

Nice To Haves

Deep experience in consumer lending
Ability to write SQL
Experience working in a startup or as an entrepreneur

Responsibilities

Manage and prioritize strategic projects in partnership with Risk, Engineering, Marketing, Compliance, Bank Partnerships, and Legal, ensuring alignment with key business outcomes
Translate and clarify technical requirements to ensure readiness for development
Use data to evaluate and communicate project impact, make informed trade-offs, and guide decision-making at the department level
Be the nexus of understanding regarding "how the products work" from the perspective of Risk, Marketing, Engineering, Compliance and Call Center
Own the end-to-end product lifecycle, from discovery and business case development through implementation, launch, monitoring, and optimization
Drive experimentation through A/B testing and data analysis to improve conversion, approval rates, funding, customer outcomes, and portfolio performance
Identify and prioritize opportunities to apply AI/ML across the lending lifecycle (underwriting, fraud, pricing, servicing, collections, customer support) and own delivery from concept to measurable impact
Use AI tools daily in the product workflow - research, requirements drafting, data analysis, prototyping