Digital Lending Product Lead

Tally; San Francisco (CA); Hybrid; USD 135,000 - 159,000; Full time

Benefits offered by this job

Medical, dental, vision plans

401(k) match

Parental leave

Job summary

Happen Bank in San Francisco is seeking a Financial Innovation Manager for Consumer Lending to shape the next generation of lending products, from personal loans to new digital variants, with end-to-end testing and go-to-market plans. You will own the product lifecycle, partner with Credit, Risk, Legal, and Engineering, and use data and AI to speed research while upholding fair lending and compliance.

This role requires 3+ years in lending, fintech, or financial services and a track record of

Qualifications

• 3+ years in consumer or small business lending, fintech, or financial services
• Experience bringing digital lending products to market
• Knowledge of fair lending, TILA, ECOA, and data privacy requirements

Responsibilities

• Drive PDLC for new lending products from strategy to pilot
• Design a fast, low-doc digital origination flow and improve conversion
• Collaborate with Credit, Risk, Legal, Compliance, Operations, and Finance
• Define metrics and run experiments to scale successful products
• Develop business cases, pricing, and portfolio monitoring

Skills

Lending product strategy

Credit risk fundamentals

Data-driven decision making

Cross-functional collaboration

AI/machine learning awareness

Education

Bachelor's degree or higher

Tools

SQL

Excel

Job description

Happen Bank in San Francisco is seeking a Financial Innovation Manager for Consumer Lending to shape the next generation of lending products, from personal loans to new digital variants, with end-to-end testing and go-to-market plans. You will own the product lifecycle, partner with Credit, Risk, Legal, and Engineering, and use data and AI to speed research while upholding fair lending and compliance.

This role requires 3+ years in lending, fintech, or financial services and a track record of