Director - Product Management

Director - Product Management

Description:

The ideal candidate will blend business acumen, technical understanding, and a deep appreciation of underwriting practices to build innovative, risk-aware, and customer-centric financial products. You will be responsible for the full product lifecyclefrom vision and strategy to execution and optimizationwhile ensuring compliance and operational efficiency.

Key Responsibilities:

Product Strategy & Roadmap:

- Define and drive the vision, strategy, and roadmap for SBA Lending and LOC products.

- Incorporate underwriting and credit risk insights into product planning to balance customer experience, compliance, and credit performance.

- Collaborate with stakeholders across underwriting, risk, operations, legal, engineering, and marketing to prioritize initiatives and ensure alignment with business goals.

- Leverage market analysis, customer feedback, and industry trends to inform roadmap decisions.

Innovation in Underwriting & Risk:

- Partner closely with underwriting and credit risk teams to design workflows that streamline manual tasks, automate decisioning, and enhance risk assessment.

- Use underwriting data to improve product features and drive smarter, faster credit decisions.

- Continuously improve the loan origination process without compromising compliance or credit quality.

End-to-End Product Ownership:

- Lead the full product lifecycle from ideation to launch and iteration.

- Oversee backlog management, sprint planning, and prioritization using data and business needs.

- Ensure that features meet both customer expectations and underwriting criteria.

Regulatory Compliance & Customer Experience:

- Ensure product designs meet SBA, FDIC, and other relevant regulatory requirements.

- Stay ahead of regulatory changes and work with legal/compliance teams to integrate them into products quickly.

- Balance compliance requirements with intuitive and seamless customer journeys.

Performance & Product Optimization:

- Define and track KPIs such as origination volume, approval rates, underwriting efficiency, and credit quality.

- Identify opportunities for product improvement through data analysis, market research, and internal feedback.

- Collaborate with analytics teams to evaluate the impact of product decisions on underwriting outcomes.

Cross-Functional Collaboration & Stakeholder Management:

- Act as a central liaison across product, underwriting, engineering, legal, risk, and executive leadership teams.

- Provide regular updates on product performance, risks, and roadmap progress.

- Represent the voice of the customer and underwriter in all product discussions.

Team Leadership:

- Lead and mentor a team of product managers focused on SBA and LOC products.

- Foster a collaborative and data-driven culture, ensuring seamless alignment between product development and underwriting operations.