Senior Product Manager - Lending and Decisioning Platforms

EXL; United States; Remote; USD 145,000 - 160,000; Full time

Benefits offered by this job

Remote-first culture

Flexibility in working hours

Opportunities for growth

Job summary

A leading analytics and digital solutions company is seeking a Senior Product Manager to enhance a financial services client's product strategy. This role will involve owning the product roadmap of a decision engine, collaborating with technical and business teams, and providing leadership in a remote-first environment. Candidates should have over 5 years in product management, including experience with decision engines, and possess strong analytical and collaboration skills. Compensation ranges from $145,000 to $160,000.

Qualifications

• 5+ years of product management experience, ideally within FinTech.
• 2+ years managing or optimizing decision engines.
• Strong understanding of Merchant Cash Advance or Revenue-Based Financing.

Responsibilities

• Own and evolve the product roadmap for a third-party decisioning engine.
• Lead API integrations and data exchanges between systems.
• Own complex initiatives from ideation through launch.

Skills

Product management experience

Experience with decision engines

Strong analytical skills

API integrations

Collaboration skills

Education

Bachelor’s degree in Business, Finance, Computer Science, or related field

Tools

SQL

Python

Excel

Job description

EXL is a global analytics and digital solutions company that partners with leading organizations to drive smarter decision-making, better outcomes, and sustainable growth. We support clients across financial services, insurance, healthcare, and emerging fintech platforms by combining deep domain expertise with advanced data, analytics, and technology.

EXL is seeking a highly analytical Senior Product Manager to support a fast-growing financial services client operating in the small business and revenue-based financing space. This role will be embedded within the client’s product organization and will play a critical role in optimizing and integrating a third-party decisioning engine with proprietary core platforms. The work directly impacts risk assessment, offer generation, and funding velocity for small businesses nationwide.

You will act as a strategic connector across pricing and strategy, underwriting, engineering, and external technology vendors, owning complex initiatives within the decisioning and offer-drafting ecosystem. This role reports into senior product leadership and partners closely with both EXL and client stakeholders.

Key Responsibilities

Decision Engine Ownership & Optimization

• Own and evolve the product roadmap for a third-party decisioning engine, balancing approval rates, risk exposure, and funding speed.
• Continuously improve decision accuracy and efficiency across multiple workstreams to support increased funding volume.

Platform Integration & Workflow Design

• Lead API integrations and data exchanges between the decision engine and internal core systems.
• Partner with engineering teams to ensure data stability, scalability, accuracy, and performance.

End-to-End Product Delivery

• Own complex initiatives from ideation through launch, including post-release analysis and iteration.
• Translate business needs into clear product requirements and technical solutions.
• Serve as the primary bridge between technical teams and business stakeholders (Pricing & Strategy, Underwriting, Sales).
• Clearly communicate complex technical concepts to non-technical audiences and business priorities to engineering teams.

Performance Measurement & Experimentation

• Define, monitor, and report on KPIs tied to risk, approval rates, and funding velocity.
• Design and execute A/B tests to refine decision parameters and quantify business impact.
• Coach and mentor junior product managers, fostering strong product thinking and execution discipline.
• Proactively surface risks, opportunities, and improvement ideas within the product organization.

Business & Market Acumen

• Develop deep understanding of small business financing workflows, including underwriting and offer drafting.
• Stay informed on competitive platforms and internal systems to inform strategic product decisions.

Why Join EXL for This Role

• High-Impact Engagement: Play a critical role in a data-driven lending platform that directly supports small business growth.
• Client-Facing Leadership: Operate as a trusted product leader within a sophisticated fintech environment.
• Flexibility: Remote-first culture with flexibility around location and working hours.
• Growth-Oriented: Opportunity to influence platform strategy while expanding your leadership footprint across EXL’s fintech portfolio.

Required Qualifications

• 5+ years of product management experience, ideally within FinTech, lending, or high-growth financial services environments.
• 2+ years of hands-on experience managing or optimizing decision engines (e.g., Taktile, FICO Blaze, Zoot, Encino, Provenir, Lendflow, or similar).
• Strong understanding of Merchant Cash Advance (MCA) or Revenue-Based Financing lifecycles.
• Demonstrated experience with API integrations and complex data flows across multiple systems.
• Strong analytical background with experience using SQL, Python, or advanced Excel to inform product decisions.
• Proven ability to receive feedback, adapt quickly, and engage in complex strategic problem-solving.
• Bachelor’s degree in Business, Finance, Computer Science, or a related quantitative field.
• High level of professionalism, sound judgment, and strong collaboration skills.

Compensation for this role: 145,000-$160,000.