Sr Financial Product Strategy Manager – HELOC & Mortgage

Current Employees of Happen Bank: Please apply via your internal Workday Account Happen Bank (formerly LendingClub) is built around a simple purpose: to clear the way to help people turn intention into action, and action into financial progress. That means offering focused products, a frictionless mobile-first experience, and clear terms with no gotchas. Respect and fairness is part of our DNA, and that ideal shapes how we work, how we treat each other, and how we invest in our employees and our community. Join us in using data, bold thinking, and a commitment to innovation to help clear the way for millions of Americans to achieve more. About the Role Happen Bank is expanding its home lending capabilities and partnerships, with a focus on delivering home equity and mortgage solutions through digital and embedded experiences. We’re looking for a hands-on leader to own and grow our embedded home equity and mortgage business, manage key external partnerships, and continuously improve the end-to-end member experience. This role sits within our Consumer business and operates at the intersection of product, partnerships, marketing, operations, legal/compliance, and analytics. You’ll effectively act as the GM for the embedded home lending journey—from initial engagement through funding and beyond - partnering closely with leaders across Lending and Product to drive performance, scale, and member value. What You'll Do Own Home Lending Performance Own end-to-end performance of HELOC and embedded mortgage offerings, including traffic, conversion, approval, funding, member satisfaction, and unit economics Map, manage, and continuously improve the member journey, reducing friction and drop-off while increasing relevance and engagement Translate business objectives into clear priorities and measurable outcomes Partnership Management Serve as the day-to-day owner for key mortgage and home equity partners, including SLAs, issue escalation, roadmap alignment, and ongoing business reviews Collaborate with partners on joint initiatives across offers, messaging, and funnel optimization to drive mutual value Embedded Experience & Growth Partner with Product, Marketing, and Data teams to define where and how home lending solutions appear across Happen Bank experiences Design and prioritize experiments around targeting, placement, messaging, and offer presentation Identify cross-sell and lifecycle opportunities tied to member behavior and financial health signals Analytics & Insights Define and own core performance metrics for HELOC and mortgage products, including lead volume, conversion, funded volume, revenue per member, and complaint trends Build operating dashboards and routines that translate data into clear insights and recommendations for senior leadership Distribution & Operating Model Evolution Partner with Legal, Compliance, Risk, Operations, and HR to support compliant mortgage distribution models, including referral and broker-based structures Help define scalable operating models across people, process, and technology Draft and refine procedures, scripts, and playbooks to support internal teams as Happen Bank expands in home lending Ensure controls are compliant, repeatable, auditable, and clearly owned Business Planning & Roadmap Input Build data-driven business cases to support expansion into new products, partners, and geographies Provide prioritized inputs into Product and Technology roadmaps, including capabilities such as lead routing, CRM workflows, compensation logic, and reporting Partner with Performance and Lifecycle Marketing teams to drive sustained growth and adoption Member Voice & Continuous Improvement Partner with Customer Service to review feedback and complaints, conduct listening sessions, and identify journey improvements Bring member, partner, and internal insights into a structured backlog and drive continuous improvement About You 6+ years of experience in financial services, with at least 5 years in mortgage, HELOC, home equity, or related home lending Experience working with embedded finance, partner-led, or white-label lending models Strong program and project management skills, with a track record of driving complex, cross-functional initiatives Familiarity with mortgage and HELOC regulatory frameworks and comfort partnering closely with Legal and Compliance Experience defining, tracking, and evolving KPIs and operating metrics Collaborative and influential, with the ability to lead without authority across Product, Technology, Operations, and external partners Clear and effective communicator, able to translate complexity into actionable direction Comfortable operating independently in a fast-paced, highly cross-functional environment Bachelor's degree or higher, or equivalent combination of education and experience Nice to Have Direct experience at a mortgage or HELOC broker, correspondent lender, or fintech home lending platform NMLS license or experience working closely with licensed sales or operations teams Experience launching or scaling embedded lending partnerships Background building digital banking or lending journeys Work Location San Francisco The above locations are eligible offices for this role. The locations have been determined to foster in-person collaboration with this role’s team or the related business lines. We utilize a hybrid work model, and our teams are in-office Tuesdays, Wednesdays, and Thursdays. In-person attendance is essential for this role’s success, and remote placement will not be considered. Happen Bank offers relocation, based on actual job level. Time Zone Requirements Primarily PT While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary. Travel Requirements As needed travel to Happen Bank offices and/