---
title: 'Staff Product Manager, AI Agents at Clutch'
canonical: 'https://feeny.ai/job/staff-product-manager-ai-agents-clutch-united-states-fbkxvm758ph3'
type: 'job'
last_seen: '2026-10-15'
---

# Staff Product Manager, AI Agents at Clutch

- **Company:** Clutch
- **Location:** United States
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-10-02
- **Last confirmed live:** 2026-10-15
- **Apply:** https://jobs.ashbyhq.com/withclutch/03204709-1831-4462-ba33-73fc6d141505

## Job description

## About the Role

Clutch is building a portfolio of AI agents for credit unions — collections (Emma, already sold and live with multiple credit unions), plus new agents in origination, fraud, engagement, and activation. This role owns one of those agents end to end: discovery with members and credit union executives, the first implementations, and the roadmap that follows. This is not a traditional product management role. You will spend a large share of your time in front of customers — often on site — shaping products that don’t fully exist yet, then staying with them through the first implementations until they actually work in production. The next year is deliberately an experimentation year: listening, prototyping, and learning what credit unions will really adopt. You will also help decide where each agent lands. Our largest partners will eventually run several agents, each with a different internal owner (a VP of Collections buys very differently than a VP of Lending). Part of the job is judging which agent goes live with which credit union, in what sequence, in collaboration with the other AI PMs — rather than pushing your own agent into every account.

## About the Team

You’ll join a small, senior AI product group inside Clutch that operates like a seed stage startup within the company, working shoulder to shoulder with a dedicated AI engineering team and a growing bench of AI engineers. The team is unusually close to the commercial side. You’ll have a commercial counterpart with more influence on your roadmap than a PM is typically used to, because the way we land and expand these agents is still being invented. You’ll also work alongside AI Ops Managers, who take an agent to scale once it is defined and live with the first one or two customers. It is a high-ownership, low-process environment: strongly opinionated people, fast decisions, and a lot of ambiguity that you are expected to resolve rather than escalate.

## What You’ll Do

Within 1 month, you will:

- Ramp on the agent portfolio and on the credit unions that matter most over the next six months
- Rapidly prototype and live trial different agents and use cases.
- Take ownership of one agent and its roadmap, and build a working relationship with your engineering and commercial counterparts
- Join customer conversations and go to atleast 2 on-site visits, and start forming your own view of the customer and the product
- Meet the internal buyers’ counterparts at our largest partners and understand who owns what inside a credit union

Within 3 months, you will:

- Own discovery for your agent: run customer sessions on site, and turn what you hear into a sequenced roadmap with clear business outcomes. Goal is to ship an agent every 4-6 weeks in production
- Ship the first version of the integrations your agent depends on (core, loan origination system, CRM), designed to be reused rather than rebuilt per customer
- Drive at least one net-new product go-live, making key decisions and clarifications that unblock it
- Work with the other AI PMs to decide which credit unions your agent should launch with, and which should wait

Within 6 months, you will:

- Have your agent live with multiple credit unions, with data you can show partners to prove it is working
- Expand the business outcomes your agent is accountable for, beyond the initial use case
- Hand scaled rollout to AI Ops with documentation and a repeatable integration pattern, while you keep the product roadmap
- Be trusted to walk into a partner executive conversation alongside commercial counterparts and come out with a decision

## What You’ll Bring

In rough priority order:

- Product sense above all. You have strong product judgement, taste and customer intuition
- B2B product experience. You have directly managed enterprise customers, negotiated scope, and pushed implementations to completion.
- AI-forward. You have built something with AI yourself and can demo it. Deep AI research experience is welcome but not required; curiosity plus shipped work is
- Customer presence. You can run a room with a credit union’s leadership team, on your own, and sell a direction before the product exists
- Willingness to travel. Expect roughly 20% on average, with stretches of 50% during critical windows. Being on site measurably increases how fast we close customers with direct product coverage and how fast we launch
- Relentless forward motion. You need to be persuasive and comfortable pushing without authority
- Top-notch communication, written and live. Fast, clear, high-quality customer responses
- 7+ years in product management in a fast-paced environment, preferably in B2B SaaS and/or Fintech, Founding backgrounds are strongly welcome
- Nice to have: financial services or fintech background; experience in or alongside a forward-deployed engineering or product function; hands-on integration work with core banking, LOS, or CRM systems

What’s In It For You?

- Remote Flexibility: Enjoy the freedom of remote work from anywhere, balancing life and career seamlessly.
- Unforgettable Off-Sites: Twice a year, bond with colleagues in exciting destinations, fostering teamwork and fresh ideas.
- Paid Time Off: Enjoy flexible PTO days yearly for relaxation and rejuvenation.
- Stock Options: Joining us means having a stake in our success, so you'll receive stock options as part of your compensation package.
- Home Office Setup: Create your ideal workspace with a dedicated budget for home office essentials.
- Work Trip Budget: Grow personally and professionally with a budget for work-related trips and co-working.
- Health Coverage: Prioritize your well-being with comprehensive health and dental insurance plans.

## About Us

Clutch is a revolutionary vertical SaaS company, proudly backed by Andreessen Horowitz (A16z), aimed at revolutionizing the way Credit Unions engage and change the lives of their members. As a champion of financial well-being, we address the urgent need for affordable lending solutions in an era where the average American grapples with over $155,000 in household debt.  Unlike traditional financial institutions, Clutch develops software to turn Credit Unions into FinTech lenders and leverage their balance sheets to responsibly lend to over 130M Americans. Our mission extends beyond mere financial transactions; we strive to fundamentally enhance the way credit unions interact with their members. By integrating cutting-edge technologies and user-centric designs, we help credit unions provide seamless digital experiences that are on par with leading tech companies. This approach not only preserves but revitalizes the longstanding tradition of community and member-focused service inherent to credit unions. Clutch is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Our organization participates in E-Verify. Click [here](https://www.e-verify.gov/about-e-verify/what-is-e-verify) to learn about E-Verify.

A Note About AI at Clutch We love AI. We use it often and encourage our team to creatively and effectively leverage AI tools in their work. If you join Clutch, we hope you'll bring the same enthusiasm for exploring how AI can amplify impact, productivity, and innovation.

That said, during the interview process, we want to hear your thoughts. Please approach interviews without the use of AI tools—our goal is to get to know how you think, solve problems, and communicate. Once you're in the seat, bring on the prompts!

## About Clutch

## Company Overview
- **One-liner**: Clutch provides a unified digital origination platform for credit unions, modernizing lending, account opening, and member engagement.
- **Entity Type**: Private (Series B)
- **Headquarters**: San Francisco, California, United States
- **Founded**: 2019
- **Founders**: Nicky Hinrichsen and Chris Coleman

## Core Business
- **Primary industry**: Financial Services / Fintech
- **Target customers**: Credit unions (B2B, primarily mid-to-large sized institutions)
- **Mission or purpose statement**: To give credit unions an unfair competitive edge by combining their member-first philosophy with the speed, intelligence, and design precision of leading fintechs. The company believes that "doing good and doing well aren’t opposites – they’re outcomes of alignment."

## Products & Services
- **Unified Origination Platform**: A single, end-to-end platform for loans, deposits, and member engagement. It covers account opening, loan origination, decisioning, onboarding, and member support across all channels (online, in-branch, mobile).
- **HAL (AI Lending Assistant)**: An AI-powered assistant available 24/7 to answer member questions, guide applications, and automate document collection and next steps.
- **Emma (Collections Assistant)**: An AI assistant that automates outreach at scale to recover payments, freeing staff to focus on higher-value member interactions.
- **Fastlane Decisioning**: An automated decisioning engine that uses a "Relationship Score" to reward existing members with personalized offers and smarter underwriting.
- **Omnichannel Platform**: A unified system that delivers a consistent experience across online, in-branch, and phone channels, reducing in-branch intake from 25 minutes to 3.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed
- **Total Funding**: $106.0M (Series B of $65M in January 2025, Series A of $41M in April 2021, Seed Round in April 2020)
- **Key Metric**: Over 150 credit unions rely on the platform; the company processes billions in applications annually.
- **Notable Investors/Partners**: TruStage, Curql Collective (investors). CEO Nicky Hinrichsen serves on the advisory board of Suncoast Credit Union.
- **Growth Signals**: 221 employees (+26.8% YoY), with a significant presence in Brazil (49% of workforce) and the US (33%). The company has expanded its platform from lending to a full origination ecosystem including deposits and business accounts.

## Competitive Advantages
- **Deep Credit Union Focus**: Unlike many fintechs that build for banks or chase exits, Clutch is exclusively built for and aligned with the credit union movement. It maintains its capital reserves with credit unions and is backed by industry-specific investors like TruStage and Curql Collective.
- **Unified Platform**: A single, end-to-end origination ecosystem covering loans, deposits, and member engagement, which reduces complexity for credit unions compared to using multiple vendors.
- **AI-Powered Efficiency**: Features like the HAL lending assistant and Emma collections assistant drive significant automation (90%+ IDV and fraud detection automation, 40% reduction in manual reviews).
- **Proven Results**: Claims up to 2x increase in look-to-book ratios, 36% average cross-sell success rate, and a reduction of in-branch intake from 25 minutes to 3.

## Strategic Focus
- **Deepening the Platform**: Expanding from lending into deposits, business accounts, and AI-powered member support to become the single operating system for credit union origination.
- **AI Integration**: Embedding AI (HAL, Emma) across the entire member journey to automate workflows, improve decisioning, and personalize offers.
- **Scaling Impact**: Growing the customer base (150+ credit unions) and team (200+ employees) while maintaining a focus on the credit union ecosystem.

## Why Work Here
- **Mission-Driven Work**: The company is deeply aligned with the credit union movement, offering a chance to build technology that directly helps millions of people access fairer financial services.
- **Remote-First Culture**: Clutch supports remote work with home office, phone, and wifi stipends. They also host company off-sites (e.g., in Brazil) and offer co-working support.
- **Comprehensive Benefits**: 100% coverage of medical, dental, and vision for employees and 80% for dependents; parental leave; flexible PTO; competitive pay with meaningful equity; annual learning stipend.
- **Global Team**: With over 200 employees across the US and Latin America (notably Brazil), the company offers a diverse, international work environment.
- **Engineering Culture**: The careers page emphasizes end-to-end ownership, complex problem-solving, and building systems that credit unions rely on. The engineering team is the largest department (48% of workforce).
- **Core Values**: "Always Do Right," "Responsiveness Trumps Everything," "Build a Monument" (thinking in decades, not quarters), "Collectively We Thrive," and "Go Forth, Be Bold."

## Sources
1. [withclutch.com - About Us](https://www.withclutch.com/company/about-us/)
2. [withclutch.com - Product Page](https://www.withclutch.com/)
3. [withclutch.com - Careers](https://www.withclutch.com/company/careers/)
4. [LinkedIn - Clutch](https://www.linkedin.com/company/withclutch)
5. [jobs.ashbyhq.com - Clutch](https://jobs.ashbyhq.com/withclutch)

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