Product Manager

Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals.

• Own the product charter for Borrow & Operations technology: vision, scope, success measures, and the business goals the roadmap exists to hit.
• Set and sequence the Home Lending application roadmap across origination, underwriting, document management, eSignature and eVault, bureau and third-party integrations, payments, servicing, regulatory data feeds, and employee lifecycle support.
• Lead a new team focused on the Borrow and Home Lending lines of business. Plan their work, coach them, and make resourcing and priority calls so day-to-day administration, projects, and platform improvements stay in balance.
• Lead cross-functional discovery with Home Lending Operations, Engineering, Product, Risk, Compliance, Security, Identity and Access Management, and vendors. Turn operational friction into scoped problems and delivered solutions.
• Decide what to build, configure, automate, or stop. Assess alternatives, operational risk, regulatory impact, and cost, and shape how IT supports Borrow operations.
• Influence function-level decisions by partnering with senior individual contributors and IT and business leadership. Consult leadership when a choice has long-range implications for the platform, the control environment, or the operating model.
• Hold the team accountable for reliability, security, and auditability of Encompass 360, Blend, NICE inContact, SoFi-developed applications, and related integrations, including SOX and regulatory requests.
• Sponsor automation that removes repeatable manual work in provisioning, configuration, data movement, and fulfillment, and measure whether it reduces cycle time and operational risk.
• Own intake and prioritization so investor, partner, servicer, and new-product onboarding is planned rather than absorbed as unscoped administration.
• Represent the product in operating reviews. Surface risks that could cause significant delays, cost, or resource constraints, and drive mitigation with the stakeholders who can act.
• Establish standards for how the team documents configuration, change, and runbooks so knowledge is not trapped with individuals.
• Develop the two Applications Administrators through clear expectations, feedback, and growth toward independent ownership of complex workflows.

• Bachelor's degree in a related field, or equivalent relevant professional experience.
• Demonstrated experience owning a complex, multi-system product or operations platform in lending, mortgage technology, or another regulated operating environment.
• Experience leading individual contributors, including planning work, coaching, and making priority and resourcing decisions.
• Experience defining a product vision and roadmap and delivering it with engineering, operations, risk, and compliance partners.
• Working knowledge of the mortgage or consumer lending lifecycle and the applications that support it, including origination, disclosures, underwriting, closing, and servicing.
• Enough technical fluency to direct work on configuration, integrations, identity, automation, and change control, and to review the judgment of the administrators who execute it.
• Experience making trade-offs among speed, reliability, control, and cost where a wrong call can affect members, operations, or the control environment.
• Ability to influence peers and senior stakeholders across functions, and to recognize when a decision has long-range implications that need leadership alignment.
• Strong written and verbal communication.