Product Manager - Growth and Customer Experience (Embedded Lending) (San Francisco)

Our client, a leader in Fintech, is seeking a contract Product Manager - Growth & Customer Experience (Embedded Lending) . This is a hybrid role Tue – Thu onsite in San Francisco, CA.

Job Brief:

In our company, we put our customers at the center of everything we do. Our Embedded Lending team builds financing experiences that are seamlessly integrated at the point of sale, helping merchants grow while giving customers access to affordable, transparent credit.

We’re reinventing origination, risk, and merchant tooling with a focus on growth, customer experience, and operational excellence. We’re looking for a Lead Product Manager who thrives at the intersection of data, UX, and platform thinking, and who is motivated by improving funnel performance for both merchants and borrowers. This role is highly cross-functional and fast-moving, with ownership across strategy, execution, and iteration.

Requirements:

• 8+ years of product management experience, ideally in fintech, lending, payments, or consumer-facing platforms
• Bachelor’s degree in a related field; or equivalent practical experience
• Growth-minded and highly analytical, with deep experience in funnel optimization, experimentation, and hypothesis-driven development
• Strong customer empathy and discovery skills, with an instinct for simple, intuitive, and high-quality user experiences
• Comfortable using data to inform decisions, including hands-on experience with SQL and analytics tools such as Heap or Snowflake
• Experienced partnering cross-functionally with engineering, design, risk, data science, compliance, operations, and go-to-market teams
• Able to balance growth, customer experience, and regulatory requirements in a complex environment
• Familiar with origination flows, KYC/KYB, fraud, underwriting, and partner integrations
• Track record of leveraging AI tools to elevate product thinking, analysis, and execution quality
• Bonus: experience with merchant-led sales models or the home improvement ecosystem

Daily Responsibilities:

Drive Growth Through Funnel Optimization

• Own and optimize the end-to-end origination funnel across web, mobile, and API experiences
• Identify friction using quantitative data, experimentation, and qualitative insights, then test and ship improvements quickly
• Improve conversion, approval rates, and time-to-decision while maintaining compliance and strong credit quality

Champion Customer Experience

• Map borrower and merchant journeys to uncover usability gaps and unmet needs
• Define intuitive, confidence-building user flows with a strong attention to UX quality
• Advocate for simplicity by removing unnecessary steps, complexity, and operational friction

Build and Execute an ROI-Driven Roadmap

• Prioritize initiatives using clear success metrics, quantified impact, and business alignment
• Lead cross-functional execution from discovery through launch and ongoing optimization
• Partner closely with engineering to deliver reliable, observable, and scalable platforms for merchant partners

Use Data to Inform Decisions

• Ensure strong funnel instrumentation, clean eventing, and actionable dashboards
• Self-serve insights using SQL and analytics tools to validate hypotheses
• Run A/B tests and progressive rollouts as a core part of the product development lifecycle

Evolve Credit, Fraud, and Verification Experiences

• Partner with Risk, Data Science, and Compliance to improve identity, fraud, and underwriting flows
• Ship decisioning enhancements that reduce losses without introducing unnecessary friction for good customers

Improve Merchant Experience and Tooling

• Enhance merchant onboarding, reporting, CRM workflows, and internal tools to increase activation and efficiency
• Lead transitions from legacy systems to modern platforms
• Shape a high-quality developer experience for partners integrating with our company APIs