Lead Product Manager, Lending in San Francisco, California at Varo Money

Varo is an entirely new kind of bank. All digital, mission-driven, FDIC insured and designed for the way our customers live their lives. A bank for all of us.

About The Role

We're looking for a Lead Product Manager to drive the vision, strategy, and execution of our consumer lending products. In this role, you'll own the full product lifecycle, from ideation to launch and optimization. You will collaborate with cross-functional teams like Engineering, Credit Risk, and Marketing to deliver innovative digital lending experiences.

Responsibilities

• Own Product Strategy & Roadmap: Define and champion the strategy and roadmap for key consumer lending products (e.g., Personal Loans, Lines of Credit), aligning with company goals and risk appetite

• Drive Product Development: Lead the end-to-end product development process, from requirements gathering and prioritization to launch and post-launch optimization

• Leverage Insights: Conduct market research and customer analysis to identify opportunities and inform product improvements

• Ensure Performance & Compliance: Define KPIs, monitor product performance, and integrate robust risk management and regulatory compliance throughout the product lifecycle

• Collaborate Cross-functionally: Serve as the central point of contact for Engineering, Credit Risk, Compliance, Operations, and Marketing to ensure seamless product delivery

• Foster Innovation: Identify new features, design experiments (A/B testing), and leverage technology to enhance underwriting and customer experience

Qualifications

• 8-10+ years of product management experience, with at least 4 years in consumer lending or FinTech

• Proven success in launching and growing digital lending products

• Deep understanding of the consumer lending lifecycle, credit risk principles, and risk analytics

• Experience working with engineering and data teams in an agile environment

• Strong analytical, problem-solving, and communication skills

• Bachelor's degree in Business, Finance, Economics, Computer Science, or a related field

• Preferred: Experience with cash flow underwriting, alternative data, modern loan management systems, regulatory compliance (Reg Z, Reg E, UDAAP), and A/B testing

For cash compensation, we set standard ranges for all US-based roles based on function, level, and geographic location, benchmarked against similar-stage growth companies. Final offer amounts are determined by multiple factors as well as candidate experience and expertise and may vary from the identified range.

This role is also eligible for a bonus, equity, and competitive benefits.

Varo is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds, perspectives, and skills. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

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