Senior Product Manager

Smartly; New York (NY); Remote; USD 150,000 - 190,000; Full time

Job summary

Smartly in the United States is seeking a senior product leader to own the consumer lending marketplace end-to-end—from traffic intake to lender matching, offers, and downstream monetization. This hands-on role involves reviewing funnel analytics, designing tests, writing API requirements, and partnering with data science and the commercial team, with direct access to the founders.

The role supports flexible seniority with significant influence as the company scales.

Qualifications

• 5+ years in product management in fintech/marketplaces/data-heavy consumer business.
• Ownership of funnel/marketplace/performance product with measurable accountability.
• Fluency with REST APIs, JSON, data schemas, event tracking, and webhooks; able to write specs.

Responsibilities

• Own consumer funnel and monetization end-to-end from lead to revenue.
• Drive an experimentation roadmap with A/B tests and cohort analyses.
• Define API requirements, partner with engineers, and guide data-driven routing/matching.

Skills

Product management

Fintech

Marketplace

Experimentation

SQL

Analytics

Tools

JSON

REST APIs

Data schemas

Webhooks

Job description

TrySmartly · Remote (United States) · Full-Time

About Smartly

TrySmartly is building a next-generation consumer lending marketplace for underserved and subprime borrowers. We take in traffic and lead submissions from distribution partners, enrich and evaluate that data, and connect consumers with lenders and financial-services providers through API integrations, intelligent matching and routing, and data-driven decisioning.

We are early-stage, led by our Co-founder that has built and scaled marketplace platforms before, including leadership from Even Financial (now part of MoneyLion / Gen Digital) and Bankrate. The playbook is still being written, decisions get made in days rather than quarters, and the person in this role will have real influence over how the business scales.

About the Role

We are hiring a product leader to own Smartly’s consumer lending marketplace end to end — from the moment traffic or a lead enters through an affiliate, partner API, or referral experience, through enrichment, qualification, lender matching, offer presentation, redirect, and downstream conversion.

This is a hands-on job. In a given week you might review source-level funnel analytics, design an A/B test, write requirements for a lead-post API, work through a data schema with an engineer, and discuss revenue per lead with the commercial team. You will work directly with the founders.

We are open on level. Strong Senior PM and Director-level candidates should both apply; we will set the title to match experience.

What You’ll Own

Consumer funnel and conversion

• The end-to-end funnel, from acquisition or lead ingestion through lender conversion and monetization.
• A continuous experimentation roadmap — A/B tests, cohort and source-level analysis, field-level drop-off — and the discipline to turn findings into shipped changes.

Marketplace and monetization

• Product strategy for lead monetization: lender eligibility and knockout criteria, offer matching and ranking, routing logic, and traffic allocation.
• The move from primarily rules-based matching toward scored, data-driven routing and ranking, in partnership with Data Science.

APIs and partner integrations

• Requirements and roadmap for lead-ingestion APIs, buyer and lender integrations, and third-party data connections — payloads, schemas, webhooks, conversion events, attribution, error handling, and monitoring.
• Tooling and process that shorten the path from signed partner to live, measurable integration.

Data and measurement

• The measurement framework for the funnel and the marketplace: volume by source, eligibility and offer rates, click-through, application and approval rates, revenue per lead, and downstream quality.
• Evaluation and integration of enrichment sources — credit attributes, identity, verification, income and employment, behavioral signals — where they measurably improve matching, conversion, or revenue per lead.

What We’re Looking For

• 5+ years in product management — fintech, consumer lending, marketplaces, lead generation, performance marketing, adtech, or another data-heavy consumer business.
• Ownership of a funnel, marketplace, or performance product with measurable accountability for conversion, revenue, or unit economics.
• Real fluency with REST APIs, JSON, data schemas, event tracking, and webhooks — enough to write the spec and help debug the integration.
• Strong experimentation and funnel-analysis skills, and the ability to define the KPIs rather than inherit them.
• SQL, or a demonstrated ability to get answers out of large datasets without waiting on someone else.
• Comfort in an early-stage environment with incomplete tooling and shifting priorities.

Nice to Have

• Consumer lending, personal loans, or credit products.
• Multi-lender or multi-buyer marketplaces: waterfalls, auctions, lead scoring, offer management.
• Third-party data providers, enrichment services, or identity and verification tools.
• Working with Data Science or ML on predictive models, ranking, or decisioning systems.
• Regulated consumer financial services; product analytics tools such as Amplitude, Mixpanel, Looker, or Tableau.

Why This Role

You will not inherit a roadmap. You will help decide how Smartly ingests leads, enriches data, matches consumers to lenders, presents offers, and measures what happens after the redirect — with direct access to the leadership team and the latitude to act on what the data says.

If you like funnels that are visibly broken, marketplace economics that are still being worked out, and the chance to build decisioning systems from close to scratch, this is that job.

Compensation

• Base: $150K to $190K
• Bonus: Up to 10% of Annual Base, tied to company financial performance and individual goals

TrySmartly is an equal opportunity employer. We consider all qualified applicants without regard to any characteristic protected by applicable federal, state, or local law. The responsibilities outlined above are not exhaustive, and the employee may be asked to take on additional duties as business needs evolve.

*Compensation varies based on experience, skills, and relevant knowledge. The responsibilities outlined above are not exhaustive and the employee may be asked to take on additional duties as business needs evolve.