Lead Product Manager, Personal Loans

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 looking for a Lead Product Manager to own the most complex, ambiguous, and cross-cutting problems in the personal loans portfolio, from acquisition and application through decisioning, offers, and funding. You will shape portfolio-level strategy alongside the Sr Director of Product Management, frame problems the team has not yet recognized, and set the standard for product craft that others model their work on. Your impact is measured by the quality of your strategic thinking, the clarity of your problem framing, and the outcomes your work produces across the portfolio. You will serve as a trusted product voice to senior leadership across Engineering, Design, Research, Data, Risk, Compliance, Operations, and business stakeholders, navigating the complex intersections of regulation, credit strategy, and customer experience. What You'll Do Drive improvements in funnel conversion and customer experience through data-driven insights and validated customer research Frame high-value problems the team has not yet identified: synthesize market signals, customer evidence, and business performance into new strategic opportunities Conduct continuous product discovery: build deep customer expertise through direct research, validate opportunities with evidence, and challenge assumptions Develop and manage a clear, evidence-grounded product backlog and roadmap, communicating strategy and tradeoffs to cross-functional leadership Align portfolio roadmap priorities with senior business partners, ensuring shared understanding of tradeoffs and investment rationale across the team Write clear problem statements, PRDs, Epics, stories and acceptance criteria that set the standard for how the team communicates with Engineering Partner with Product Delivery Management on portfolio planning, dependency management, and launch coordination Explore the use of emerging AI solutions and actively use modern AI tools to elevate research, synthesis, experimentation, and product development What Success Looks Like Portfolio strategy reflects your influence: clear investment rationale, well-framed problems, and measurable outcomes tied to business performance Measurable improvements in funnel conversion, customer experience, and risk performance driven by initiatives you led or shaped Strong cross-functional alignment and trusted partnerships across the organization, including Engineering, Design, Risk, Compliance, Operations, Marketing, senior business leadership, and your peers About You 8+ years of product management experience Experience working in regulated consumer fintech environments Demonstrated practice of continuous product discovery, including customer research, problem validation, and evidence-based prioritization at portfolio scale Proven ownership of high-traffic digital products with measurable customer and business outcomes in complex, regulated environments Strong analytical orientation and comfort defining KPIs and working closely with data Recognized cross-functionally as a trusted partner; proactively builds alignment and brings stakeholders together across Engineering, Risk, Compliance, Design, and business teams Experience defining experimentation strategy for your assigned product domain Ability to clearly articulate strategy, frame tradeoffs, and influence senior leadership across technical, business, and regulatory audiences Strong product judgment recognized by peers; others seek your input on their hardest problems Track record of leveraging AI tools to elevate product thinking, analysis, and execution quality Bachelor's degree or higher, or equivalent combination of education and experience 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/or other locations, as needed. Compensation The target base salary range for this position is 187,000-215,000. The base salary of the role will be determined by job-related knowledge, experience, education, skills, and location. Base salary is just one part of Happen Bank’s Total Rewards package. You may also be eligible for long-term awards (equity) and an annual bonus (which is based on company performance, employee performance and eligible earnings). We’re creating new financial services solutions for our members based on fairness, simplicity, and heart, and we treat our employees the same way. We offer a competitive benefits package that includes medical, dental and vision plans for employees and their families, 401(k) match, health and wellness programs, flexible time off policies for salaried employees, up to 16 weeks paid parental leave and more