Principal Product Manager, Consumer Lending

About the Role

Key Responsibilities

• Own and drive the product vision, strategy, and roadmap for Lending Risk capabilities across all QuickBooks Capital lending products. Identify, define, validate, and prioritize opportunities based on customer needs, business impact, and technical feasibility.
• Act as the product thought leader for Lending Risk. Identify critical customer requirements, understand business goals, define the desired end-state product experience, and partner with development teams to design optimal, scalable solutions.
• Oversee the product lifecycle for risk capabilities, including acquisition strategies to assess creditworthiness and expand eligibility, development of advanced ML models, scalable policy engines, real-time data pipelines, and automated underwriting solutions.
• Develop capabilities for proactive risk monitoring, automated collection triggers, customer-level exposure management, and features like Credit Line Increases (CLI) for LOC.
• Conduct in-depth customer research, usability studies, and experiments to understand lending-related customer problems and champion the customer perspective throughout the product lifecycle.
• Define and track key performance indicators (KPIs) and metrics to measure the effectiveness of risk capabilities against customer needs and business goals, using data to inform prioritization and demonstrate success.
• Lead and collaborate effectively with Engineering, Data Science, Credit Policy, Operations, Design, Marketing, and other partners to ensure successful discovery, development, launch, and iteration of risk products and features.
• Drive the product roadmap from minimum viable product (MVP) to significant scale, managing trade-offs and ensuring timely delivery of high-quality capabilities.

Requirements

• 10+ years of product management experience, specifically designing and delivering lending products, ideally within the FinTech or financial services industry with 5+ years in Product Management within the credit risk/lending domain.
• Deep understanding of the credit risk domain across the full lending lifecycle: acquisition, underwriting, portfolio management, collections/recovery.
• Familiarity with modern risk assessment techniques, including the application of AI/ML for decision-making.
• Proven experience in defining product vision and strategy, translating them into actionable product roadmaps, and influencing long-term direction.
• A strong track record of working closely with customers and partners, employing deep empathy, listening skills, and a customer-focused approach.
• Proficiency in managing complex program/project deliverables involving multiple teams, dependencies, and timelines.
• Excellent collaboration skills with the ability to lead execution across diverse teams and influence stakeholders.
• Strong written and verbal communication skills to articulate vision, strategy, and results effectively.
• Strong analytical skills and a data-driven approach to decision-making.
• BS or technical degree preferred, or equivalent relevant work experience.

Nice to Have

• Experience with AI/ML applications in risk decision-making.
• Experience within the FinTech or financial services industry.

Qualifications

• 10+ years of product management experience in lending products.
• 5+ years of experience specifically within the credit risk/lending domain.
• Deep understanding of the full lending lifecycle and risk assessment techniques.
• Educational background with a BS or technical degree preferred.

Benefits & Perks

• Competitive compensation package with a strong pay-for-performance rewards approach.
• Expected base pay range in the Bay Area California: $236,000 - $319,000.
• Eligibility for a cash bonus, equity rewards, and benefits in accordance with applicable plans and programs.
• Regular pay equity comparisons across categories of ethnicity and gender.