Product Manager - Lending

About the Role

We are building the industrys first truly integrated, AI-powered lending and deposit platform spanning commercial lending, CRE, construction, small business, consumer lending, and deposit account opening. The Director of Product Lending & Deposits will own the product strategy, roadmap, design, and delivery of all origination, servicing, and deposit lifecycle capabilities across unified financial services platform.

You will drive a seamless borrower and banker experience from acquisition and onboarding underwriting closing servicing portfolio monitoring payoffs/renewals, while also expanding into deposit accounts, payments, cash management , and agentic AI automation .

This is a highly impactful leadership role requiring deep banking domain expertise, strong product vision, and the ability to execute quickly in a high-growth environment.

Key Responsibilities

Product Strategy & Vision

• Define and own the unified product strategy for the end-to-end lifecycle of lending and deposit products
• Drive a scalable core architecture supporting multiple financial products (commercial, consumer, CRE, construction, SBA, syndicated credit, ABL/BBC, etc.)
• Lead expansion into deposit account opening (retail + business), onboarding/KYC, payments and transaction servicing

Execution & Delivery

• Lead multiple product teams (LOS, Servicing, Deposits, Collateral, Post-Origination Monitoring)
• Deliver high-quality releases ensuring borrower servicing data flow is consistent, automated, and auditable
• Partner with Engineering to push velocity, reliability, and API-first integration with core banking systems

AI-Driven Capabilities

• Champion AI workflows across origination and servicing including:
• Automated underwriting
• Document ingestion + extraction + validation
• Borrowing base eligibility automation
• Construction budget + draw automation
• Covenant and credit performance monitoring
• Intelligent borrower communications via Chat Assist

Customer & Market Leadership

• Engage with banks, credit unions, and fintech partners to validate requirements, prioritize roadmap based on business impact and regulatory needs
• Own competitive positioning against market leaders (nCino, Jack Henry, Finastra, Abrigo, etc.)

Financial / Compliance Insights

• Ensure product compliance with banking regulations (FDIC, OCC, NCUA, CFPB, SBA)
• Build robust credit risk features including:
• Risk rating models
• Migration & trending analytics
• Portfolio stress testing
• Concentration & exposure controls

Team Leadership

• Build, mentor, and scale a world-class product organization
• Drive a culture of AI-first , customer delight, and rapid iteration

Qualifications

Required:

• 10+ years in Product Management with strong background in lending systems (LOS + Servicing)
• Experience launching commercial loan types (CRE, C&I, SBA, Construction, ABL)
• Strong understanding of deposits, onboarding/KYC, payments, GL integration, and servicing workflows
• Experience with regulatory and compliance requirements in banking
• Excellent written and verbal communication with executive presence

Preferred:

• Understanding of core banking platforms (FIS, Jack Henry, Fiserv, Temenos)
• Experience with AI/ML-driven credit decisioning or automation
• Startup/SaaS high-growth environment experience
• Familiarity with agent-based architectures, real-time data exchange, and workflow engines

Success in this Role Looks Like

• A fully integrated LOS + Servicing + Deposits platform adopted across top-tier regional/community banks
• AI embedded into 80%+ of lending workflows major increase in operational efficiency
• Faster time-to-decision + time-to-funding for borrowers
• Automated GL posting across all products with zero manual reconciliation
• Fully scalable product lines supporting new asset types with minimal incremental engineering

Why Join Us

You will be a key leader shaping the future of how financial institutions originate, underwrite, service, and grow loans and deposits using powerful automation, intelligence, and modern architecture. Were building the most comprehensive digital banking platform in the market and we want you to help lead that transformation.