--- title: 'Senior Product Manager (R14156) at Oportun' canonical: 'https://feeny.ai/job/senior-product-manager-r14156-oportun-united-states-mz2da5ry1wbk' type: 'job' last_seen: '2026-09-14' --- # Senior Product Manager (R14156) at Oportun - **Company:** Oportun - **Location:** United States - **Work type:** remote - **Posted:** 2026-08-17 - **Last confirmed live:** 2026-09-14 - **Apply:** https://job-boards.greenhouse.io/oportun/jobs/4724337005 ## Job description ## ABOUT OPORTUN Oportun (Nasdaq: OPRT) is a mission-driven financial services company that puts its members' financial goals within reach. With intelligent borrowing, savings, and budgeting capabilities, Oportun empowers members with the confidence to build a better financial future. Since inception, Oportun has provided more than $22.7 billion in responsible and affordable credit, saved its members more than $2.5 billion in interest and fees, and helped its members set aside an average of more than $1,800 annually. ## POSITION OVERVIEW We are looking for a talented and creative problem solver to join Oportun as a Senior Product Manager for Lending Originations. In this role, you will lead the strategy and development of capabilities that improve the applicant experience, increase new-loan conversion, and support the financial health of Oportun’s members. This is a senior individual contributor product role for a strategic, hands-on problem solver with a strong track record of solving complex problems and delivering meaningful customer and business outcomes. You will articulate the product strategy, establish objectives and key results, define a multi-year roadmap, and lead cross-functional teams in delivering best-in-class lending experiences. You will work closely with Engineering, Design, Data, Risk, Fraud, Marketing, Operations, Legal, Compliance, and other partners to identify opportunities, align priorities, and drive execution. The ideal candidate thrives in a fast-paced environment and is passionate about building simple, responsible, and accessible financial products. ## WHAT YOU'LL DO Product Vision and Strategy Own the product strategy and multi-quarter roadmap for Lending Originations journeys or capabilities, contributing to the broader multi-year Originations vision. Establish objectives, key results, and performance metrics aligned with company priorities and member needs. Identify and prioritize opportunities to improve application completion, approval, funding, and new-loan conversion. Translate complex customer, business, risk, and operational needs into clear product priorities and scalable solutions. Customer Insights and Experience Maintain a deep understanding of applicant and member needs through user research, data analysis, surveys, experimentation, and feedback loops. Develop frictionless lending experiences that improve applicant satisfaction while supporting responsible lending and regulatory requirements. Identify opportunities to improve both self-service and agent-assisted originations experiences. Product Development and Execution Scope and lead the development of new Lending Originations products, capabilities, and features. Lead high-performing cross-functional teams that include Engineering, Design, Data, Risk, Fraud, Marketing, Operations, Legal, and Compliance. Drive products from discovery and validation through launch, measurement, iteration, and scale. Anticipate obstacles, manage dependencies, and help teams resolve blockers to deliver meaningful value for members and the business. Balance near-term delivery with longer-term platform scalability, reliability, and maintainability. Experimentation and Business Impact Develop and execute experiments across the originations funnel to deliver measurable improvements in application completion, conversion, approval, and funding. Define success metrics and use data to evaluate performance, identify insights, and inform product decisions. Assess trade-offs across member experience, credit risk, fraud risk, operational efficiency, regulatory requirements, and financial performance. Stakeholder Leadership and Communication Build strong collaboration and alignment across a broad group of cross-functional stakeholders. Craft a clear product narrative and communicate priorities, decisions, risks, dependencies, and trade-offs to executive leadership and partner teams. Facilitate effective decision-making in an environment with complex constraints and shifting priorities. Influence the organization through product expertise, structured thinking, strong judgment, and clear documentation. Risk and Regulatory Management Partner closely with Legal, Compliance, Risk, and Fraud teams to ensure originations products adhere to applicable regulatory requirements, internal policies, and industry best practices. Design solutions that balance growth and conversion objectives with responsible lending, risk management, and member protection. Support the launch and ongoing management of products operating within complex legal and regulatory frameworks. ## WHO YOU ARE / WHAT YOU BRING ## Experience 7+ years of core product management experience in high-growth environments. Demonstrated experience leading complex, high-impact product initiatives from strategy through execution and scale. Strong track record of launching and iterating on customer-facing products that delivered measurable business and customer outcomes. Experience in financial services, FinTech, lending, digital banking, or another highly regulated industry is strongly preferred. Customer-Centric Leadership Passionate about improving the financial health of Oportun’s members. Experienced in creating simple, accessible, and frictionless customer experiences. Able to balance customer needs with business, risk, operational, and regulatory considerations. Analytical Problem Solving Demonstrated ability to structure and solve complex, ambiguous problems. Strong experience using data to make decisions, define metrics, develop hypotheses, and measure results. Experience with experimentation, funnel analysis, product analytics, and performance optimization. Collaboration and Influence Proven ability to build consensus and drive results across a wide range of cross-functional partners. Comfortable influencing senior stakeholders without relying on direct authority. Able to operate effectively in a fast-paced environment with shifting priorities and competing constraints. Communication Clear, concise, and persuasive written and verbal communicator. Strong documentation, storytelling, and executive presentation skills. Able to communicate complex product, technical, risk, and business concepts to different audiences. Execution Scrappy, solution-oriented, and accountable for outcomes. Able to move fluidly between strategic thinking and detailed execution. Skilled at identifying risks, managing dependencies, resolving blockers, and maintaining momentum. Domain Knowledge Prior experience with lending originations, credit products, underwriting, application funnels, or loan decisioning is strongly preferred. Experience launching and managing products within complex legal and regulatory frameworks. Familiarity with credit risk, fraud, compliance, servicing, or financial-product economics is beneficial. The US salary range for this full-time position is $ 127,800 - $ 204,500. Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects a national minimum and maximum range for new hire salaries for this position. Within this range, individual pay is determined by work location and additional factors, such as job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range that meets your criteria during the hiring process. Please note that the compensation range listed in this posting reflects only the base salary for this position and does not include other compensation elements or benefits. ## #LI-REMOTE ## #LI-RR1 We are proud to be an Equal Opportunity Employer and consider all qualified applicants for employment opportunities without regard to race, age, color, religion, gender, national origin, disability, sexual orientation, veteran status or any other category protected by the laws or regulations in the locations where we operate. California applicants can find a copy of Oportun's CCPA Notice here:  https://oportun.com/privacy/california-privacy-notice/. We will never request personal identifiable information (bank, credit card, etc.) before you are hired. We do not charge you for pre-employment fees such as background checks, training, or equipment. If you think you have been a victim of fraud by someone posing as us, please report your experience to the FBI’s Internet Crime Complaint Center (IC3). ## About Oportun ## Company Overview - **One-liner**: Oportun is a mission-driven financial services company that uses AI to provide affordable credit and automated savings tools for people underserved by mainstream financial institutions. - **Entity Type**: Public (Nasdaq: OPRT) - **Headquarters**: Silicon Valley, California, USA - **Founded**: 2006 (operations began in 2005) - **Founders**: Not publicly available (founded by a team) ## Core Business - **Primary industry**: Financial Services (Consumer Lending, Fintech) - **Target customers**: B2C – primarily Americans who are not well served by traditional banks (often with limited or no credit history) - **Mission**: To help people across the United States create a brighter financial future by building financial resiliency through access to responsible and affordable credit and effortless savings. ## Products & Services - **Unsecured Personal Loans**: Fixed-rate, fully amortizing installment loans ranging from $300 to $10,000, with terms of 12 to 54 months. Originated in 41 states (2 via direct licenses, 39 via a partnership with Pathward). - **Secured Personal Loans**: Collateralized loans (vehicle-backed) offered in 8 states, with potential expansion to 33 additional states via the Pathward partnership. - **Set & Save**: An AI-powered automated savings app that analyzes a member’s cash flow to determine how much they can save daily without disrupting expenses. Ranked #1 Savings App of 2025 by Bankrate. - **Oportun Mobile App**: A central hub for all products—borrowing, saving, and budgeting. - **Lending as a Service (LaaS)**: A lead generation program through partnerships (e.g., DolEx, Barri Financial/Western Union) to reach new members via 465 retail locations. ## Market Standing - **Market Cap / Valuation**: Publicly traded company (as of latest filing) — market cap fluctuates; refer to Nasdaq for real-time data. - **Key Metric (Revenue)**: Public company; annual revenue reported in SEC 10-K filings (most recent: FY 2025). - **Key Metric (Funding)**: N/A (public; no recent funding rounds). - **Notable Investors/Partners**: - Pathward (banking partner for national lending expansion) - Certified as a Community Development Financial Institution (CDFI) by the U.S. Department of the Treasury - **Growth Signals**: - Over $22.2 billion in responsible credit extended since inception. - Helped 1.3 million people establish a credit history for the first time. - Helped members set aside over $12.5 billion in savings via the Set & Save product. - Six consecutive GAAP profitable quarters as of Q1 2026. - 6.8x debt-to-equity leverage (reduced from 7.6x year-over-year). - Named a San Francisco Bay Area Top Workplace for 2026 by Axios. ## Competitive Advantages - **AI-Powered Underwriting**: Uses billions of proprietary data points and machine learning to score 100% of applicants, including those without FICO scores—enabling responsible lending to an underserved population. - **Proprietary Savings Engine**: The Set & Save algorithm has completed 1.1 billion algorithmic transfers over 10+ years, giving it a long-track-record AI advantage that is difficult to replicate. - **CDFI Certification**: Affords credibility and access to unique community development capital. - **Strong Member Satisfaction**: Net Promoter Score (NPS) of 77 for personal loans. - **National Reach via Partnership**: The Pathward partnership allows Oportun to operate nationwide without needing a state-by-state bank charter. ## Strategic Focus - **Improve Credit Outcomes**: Targeting an annualized net charge-off rate between 9% and 11%. - **Fortify Business Economics**: Increasing loan portfolio yield while maintaining tight expense controls. - **Responsible Growth**: Expanding the secured loan portfolio and cross-selling Set & Save to existing members. - **Scaling LaaS (Lending as a Service)**: Adding new partnership channels to reach more members cost-effectively. - **Continued AI Investment**: Deepening machine learning for marketing, underwriting, fraud detection, and servicing. ## Why Work Here - **Mission-Driven Work**: The company explicitly focuses on financial inclusion for hardworking Americans who are overlooked by traditional banks. Employees cite a sense of purpose. - **Remote-First Culture**: Oportun is described as a remote-first global team, with centers in the U.S. (California), India (Chennai), and Mexico (León). - **Comprehensive Benefits**: - Medical, dental, vision, and FSA coverage. - Competitive compensation, bonuses, and incentive programs. - Paid time off for volunteering and charitable giving. - **DEI & Belonging**: Active employee-led resource groups, company-wide events to support diversity, equity, inclusion, and belonging (DEIB). - **Giving Back**: 1% of annual net profits donated to community partners like United Way, American Red Cross, and DIY Girls. Also runs an employee hardship assistance fund with corporate matching. - **Team Building**: Virtual coffee chats, holiday parties, and wellness events on their internal platform (Oportun Connect). - **Growth Trajectory**: Public company with six consecutive profitable quarters and aggressive expansion plans, offering stability and career growth. ## Sources 1. [Oportun.com - Careers](https://oportun.com/careers/) 2. [Oportun.com - About](https://oportun.com/about/) 3. [Oportun.com - Homepage](https://oportun.com/) 4. [Oportun Investor Relations - 10-K (Feb 2026)](https://investor.oportun.com/sec-filings/all-sec-filings/content/0001538716-26-000015/0001538716-26-000015.pdf) 5. 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