Lead Product Manager, Personal Loans

Happen Bank; San Francisco (CA); On-site; USD 187,000 - 215,000; Full time

Benefits offered by this job

Medical, dental, and vision plans

401(k) match

Parental leave

Job summary

LendingClub (soon to be Happen Bank) seeks a Lead Product Manager to own the personal loans portfolio from acquisition to funding. You will shape portfolio strategy, frame problems, and set product craft standards for the team in a regulatory fintech environment.

You will lead cross-functional teams, drive funnel optimization, conduct continuous discovery, and align roadmap priorities with senior partners while leveraging AI tools to elevate research and execution.

Qualifications

• 8+ years of product management experience.
• Experience working in regulated consumer fintech environments.
• Continuous product discovery with customer research and evidence-based prioritization.
• Ownership of high-traffic digital products with measurable outcomes.

Responsibilities

• Drive funnel improvements and enhance customer experience using data-driven insights.
• Frame high-value problems and synthesize signals into strategic opportunities.
• Conduct continuous product discovery with direct customer research and validation.
• Develop and manage a clear evidence-grounded backlog and roadmap.
• Collaborate with senior leaders on portfolio priorities and trade-offs.
• Write clear PRDs, epics, stories, and acceptance criteria for Eng.
• Partner on portfolio planning, dependency management, and launches.
• Explore and apply AI tools to elevate research and product development.

Skills

Product management

Data-driven decision-making

Cross-functional collaboration

KPIs & analytics

AI tools usage

Strategic thinking

Leadership

Regulated fintech experience

Education

Bachelor's degree

Tools

Analytics tools

Job description

LendingClub (soon to be Happen Bank) is built around a simple purpose: to help people turn intention into action and action into financial progress. We offer focused products, a frictionless mobile‑first experience, and clear terms with no gotchas. Respect and fairness are part of our DNA, shaping how we work, treat each other, and invest in our employees and community.

About The Role

Lead Product Manager to own the most complex, ambiguous, and cross‑cutting problems in the personal loans portfolio, from acquisition and application through decisioning, offers, and funding. You will shape portfolio‑level strategy alongside the Sr Director of Product Management, frame problems the team has not yet recognized, and set the standard for product craft that others model their work on. Your impact is measured by the quality of your strategic thinking, clarity of your problem framing, and the outcomes your work produces across the portfolio.

What You’ll Do

• Drive improvements in funnel conversion and customer experience through data‑driven insights and validated customer research
• Frame high‑value problems the team has not yet identified: synthesize market signals, customer evidence, and business performance into new strategic opportunities
• Conduct continuous product discovery: build deep customer expertise through direct research, validate opportunities with evidence, and challenge assumptions
• Develop and manage a clear, evidence‑grounded product backlog and roadmap, communicating strategy and trade‑offs to cross‑functional leadership
• Align portfolio roadmap priorities with senior business partners, ensuring shared understanding of trade‑offs and investment rationale across the team
• Write clear problem statements, PRDs, epics, stories, and acceptance criteria that set the standard for how the team communicates with Engineering
• Partner with Product Delivery Management on portfolio planning, dependency management, and launch coordination
• Explore the use of emerging AI solutions and actively use modern AI tools to elevate research, synthesis, experimentation, and product development

What Success Looks Like

• Portfolio strategy reflects your influence: clear investment rationale, well‑framed problems, and measurable outcomes tied to business performance
• Measurable improvements in funnel conversion, customer experience, and risk performance driven by initiatives you led or shaped
• Strong cross‑functional alignment and trusted partnerships across the organization, including Engineering, Design, Risk, Compliance, Operations, Marketing, senior business leadership, and your peers

About You

• 8+ years of product management experience
• Experience working in regulated consumer fintech environments
• Demonstrated practice of continuous product discovery, including customer research, problem validation, and evidence‑based prioritization at portfolio scale
• Proven ownership of high‑traffic digital products with measurable customer and business outcomes in complex, regulated environments
• Strong analytical orientation and comfort defining KPIs and working closely with data
• Recognized cross‑functionally as a trusted partner; proactively builds alignment and brings stakeholders together across Engineering, Risk, Compliance, Design, and business teams
• Experience defining experimentation strategy for your assigned product domain
• Ability to clearly articulate strategy, frame trade‑offs, and influence senior leadership across technical, business, and regulatory audiences
• Strong product judgment recognized by peers; others seek your input on their hardest problems
• Track record of leveraging AI tools to elevate product thinking, analysis, and execution quality
• Bachelor’s degree in a related field; or equivalent work experience

Work Location

San Francisco. This role requires in‑person presence weeks (Tuesday, Wednesday, Thursday) and does not consider remote placement. Relocation assistance is offered based on actual job level.

Time Zone Requirements

Primarily Pacific Time; flexible across time zones when necessary.

Travel Requirements

As needed to LendingClub offices and/or other locations.

Compensation

The target base salary range for this position is $187,000–$215,000. Salary is based on job‑related knowledge, experience, education, skills, and location. Additional compensation may include long‑term awards (equity) and an annual bonus tied to company and employee performance. Benefits include medical, dental, and vision plans for employees and families, 401(k) match, health and wellness programs, flexible time off, up to 16 weeks paid parental leave, and more.

Equal Opportunity Employer

LendingClub is an equal opportunity employer and dedicated to diversity, equity, and inclusion in the workplace. We do not discriminate on the basis of race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), gender, gender identity, gender expression, sexual orientation, age, marital status, veteran status, disability status, political views or activity, or other applicable legally protected characteristics. We believe that a variety of perspectives will make our teams and business stronger as we work together to transform the traditional banking system.

We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability, please contact us at [e-mail].