Product Manager - Growth and Customer Experience (Embedded Lending)
Motion Recruitment, San Francisco, CA, United States
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
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