(Senior/Staff) Product Manager, Lending

About Clutch

Clutch, a vertical SaaS company, backed by Andreessen Horowitz (A16z) is a transformative force within the credit union ecosystem. We are dedicated to revolutionizing the credit union ecosystem to enhance the financial well-being of consumers nationwide. In an era where the average American faces over $155,000 in household debt, we offer an alternative to the high-interest loans prevalent with fintech lenders and for-profit banks.

As non-profit entities, credit unions provide cost-effective financial solutions, and at Clutch, we empower them with cutting-edge fintech and technological innovations. Our rapid growth has seen us expand from a small customer base to a key provider for a broad range of medium to large enterprise clients.

The Role

• Our first product line was built with a vision to automate end to end lending for credit unions , making the application process seamless, empowering loan officers with tools to underwrite effectively by leveraging AI. 

• We aim to create delightful digital experiences for both consumers and credit union employees;across digital and physical channels. As we grow the lending product, we have multiple zero-to-one opportunities to pursue - how do we embed a financial advisor in the loan journey, helping users not just refinance a single loan but also look at their entire debt profile and recommend a product to combine say 4 credit cards into 1 personal loan 

• Or how do we build a platform to plug credit unions into an affiliate marketing ecosystem they historically may not have access to given their low tech maturity. 

• The opportunities are endless. We are looking for an entrepreneurial PM with experience in fintech and ability to operate with a GM-mindset to grow a new product. 

Key Responsibilities

• Bring new zero to one lending products to market 

• Collaborate closely with customers to develop new products tailored to unique credit union needsTranslate complex customer challenges into actionable and innovative product opportunities

• Craft and articulate a clear product vision and strategy and combine it with execution excellence to validate ideas, pivot and scale the product 

• Drive product development, collaborating closely internally with design, engineering, and cross-functional teams Uphold high standards in product craft, balancing quality with speed to market

• Operate in high ambiguity, with a Founder/GM mindset

Ideal Candidate Profile

• 7+ years of product experience, with a track record of shipping impactful products in fintech and lending

• Exceptional communication and leadership skills, adept at managing stakeholder expectations and collaborating with credit unions.

• Ability to challenge assumptions, validate product concepts, and make decisive choices.

• Strong planning and organizational skills, capable of prioritizing tasks and negotiating with internal and external stakeholders.

• Comprehensive understanding of product development, including engineering, design, analytics, and user research, and the ability to integrate these insights into product strategy.

• Deep passion for product management and an ownership mindset.

• At Clutch, we believe in hiring smart, ambitious and curious people and growing our organization around them. 

• This is a remote role across the United States, with periodic travel required for on-site customer research engagements. Compensation details are available on request given we are a global company. 

Why Clutch (& this Role) is the Right Fit for You:

• Innovation at Work: Engage in high-stakes projects involving zero to one innovations that establish new business verticals.

• Mission-Driven Impact: Directly contribute to financial solutions that empower millions of Americans.

• Leadership and Collaboration: Work alongside industry veterans known for their dynamic contributions to the fintech space.

• Career Growth: Opportunities abound for professional advancement, competitive compensation, and equity participation.

• Global Influence: Join a collective of global thinkers dedicated to excellence and innovation.