Senior Product Manager, Borrower Experience

Lower; Kentucky; Hybrid; USD 120,000 - 180,000; Full time

Job summary

Lower is building a unified homeownership platform that combines real estate, mortgage lending, technology, and local expertise. We seek a Senior Product Manager to own the Borrower Experience workstream, guiding an end-to-end, self-serve loan journey in a hybrid, in-market setting with potential remote collaboration.

You will write detailed requirements for a cross-functional team, drive a roadmap to improve conversion, and regularly present strategy and progress to executives.

Qualifications

• 5+ years of product management experience across consumer-facing or data-driven products.
• Track record of defining MVP scope and sequencing a roadmap in phases.
• Strong analytical skills with ability to define and track success metrics.
• Excellent written and verbal communication, able to interface with executives and technical teams.
• Fintech, mortgage, or real estate industry experience.

Responsibilities

• Own the product strategy for the borrower experience, translating vision into a sequenced roadmap.
• Prioritize the roadmap using customer data, market context, and business goals.
• Build and maintain alignment across engineering, design, data, and other stakeholders.
• Make sound tradeoffs with incomplete data and evolving systems in collaboration with teams and vendors.
• Proactively unblock the cross-functional team and define success by outcomes, not just shipped features.

Skills

Product management

Ambiguity handling

Analytics

Executive communication

Fintech domain

Job description

We believe homeownership is one of the most powerful ways people can build long-term wealth. Our mission at Lower is to make that path simpler, more accessible, and more connected.

We’re building a one-stop shop homeownership platform that brings together real estate, mortgage lending, technology, and local expertise. Through Lower’s direct-to-consumer lending business, our nationwide retail branches, and our real estate platform Movoto, we meet people wherever they are in the homeownership journey.

We innovate through technology, but human expertise is what sets us apart. Our approach combines a seamless online experience with experienced people. Whether someone wants to handle most of the process online or work directly with a local loan officer or real estate agent, we’re building a platform that gives them the tools, expertise, and support to move forward with confidence.

Job Description

We’re seeking a Senior Product Manager to own the Borrower Experience workstream, a top company priority to streamline the process of applying for a loan, getting an instant offer, completing many of the steps to close a loan in a self-guided digital experience where our expert loan officers are only a click away. This application process is the front door for how we meet many potential borrowers, whether they’re coming from organic traffic on a site like Lower or Movoto, a partnership, or other paid channels. It’s a business-critical product surface with the opportunity to make an outsized impact on our business.

This is an individual contributor role reporting to EVP of Program and Product Management for Lower. You’ll own end-to-end delivery of major feature sets within the workstream, as well as write and refine detailed requirements for a cross-functional team. You’ll define what success looks like beyond shipping, like improving conversion throughout the application funnel and into Lower's mortgage products, automatically ingesting borrower information to reduce friction, and progressively improving a borrower’s ability to self-serve. You’ll present regularly to execs to align on strategy, tradeoffs, and progress.

Responsibilities

• Own the product strategy for the borrower experience, translating an established long-term vision (closing a loan entirely online) into a sequenced, shippable crawl/walk/run roadmap from current state.
• Use customer data, market context, and business goals to prioritize the roadmap and anticipate borrower needs and competitive positioning.
• Build and maintain alignment across the cross-functional team (engineering, design, data) from sprint rituals to leadership updates.
• Make sound tradeoffs even with incomplete data on evolving systems in collaboration with the cross-functional team and vendors.
• Proactively unblock the cross-functional team and adjust plans as constraints evolve; define success by measurable outcomes, not just shipped features.

Requirements

• 5+ years of product management experience, including ownership of end-to-end delivery for a complex, consumer-facing or data-driven product.
• Track record of managing ambiguity: defining MVP scope and sequencing a roadmap in phases rather than waiting for full clarity.
• Strong analytical skills, with comfort defining and tracking success metrics tied to business outcomes, not just output.
• Excellent written and verbal communication, able to flex between exec-level updates and detailed technical requirements.
• Fintech, mortgage, or real estate industry experience.

Strongly Preferred (but not required)

• Experience partnering across multiple engineering orgs or codebases at once (e.g., separate frontend, backend, and platform teams).
• Experience with personalization, recommendation, or pricing/offer engines.

Location

With locations in Columbus, OH and Austin, TX, we’re looking for someone able to work in-person on a hybrid basis. While in market candidates will be reviewed first, we are open to considering remote candidates who demonstrate an exceptional level of product expertise, as well as strong communication and collaboration skills, with willingness to travel periodically.

Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.