Staff/Senior Product Manager, Multi-Product Experiences

About the Role

We are seeking a dynamic Senior (or Staff) Product Manager with the vision, skills, and ambition to play a critical role in bringing our vision to life.

This role encompasses the creation of customer-facing experiences such as onboarding and fraud prevention across a vast surface area as well as internal tool development for our implementation team as we go upmarket. You will be building foundational elements that impact all our products, from lending to account opening, both in digital and branch environments.

As the Senior/Staff Product Manager, you will:

• Create Foundational Multi-Product Experiences: Lead the creation of core experiences that span lending and account opening, such as KYC, onboarding workflows, and fraud detection. These elements will need to be both universal across the platform and flexible to meet product-specific needs.

• Strategize Across a Vast Surface Area: With a broad scope across digital and physical channels, you’ll need to think strategically and holistically, ensuring cohesive customer experiences that align with the company’s mission.

• Drive Internal and Customer-Facing Tools: Lead the discovery and development of internal tools to enhance implementation, onboarding, and customer success.

• Grow into a Leadership Role: If you hit it out of the park in the first 6-12 months, there’s an opportunity to transition into a Group Product Manager role, where you’ll scale your impact across additional product teams and initiatives.

About the Team

Our team spans the U.S. and LATAM (mainly Brazil), fostering a diverse, distributed environment that thrives on collaboration across time zones and cultures.

Product management is at the heart of our innovation. PMs, designers, and engineers work closely to build world-class products. PMs also collaborate with leadership and cross-functional teams—Customer Success, Implementation, Legal & Compliance, Sales, and Support—to drive product strategy, innovation, and successful adoption.

The Omnichannel Lending Team focuses on driving loan growth, improving efficiency, and reimagining back-office processes through our Lending and Insurance Point-of-Sale solutions, across both digital and in-branch channels.

We are a supportive, mission-driven team with a high level of autonomy and a shared commitment to innovation and impact.

What You’ll Do

Within 3 months, you will:

• Successfully launch existing initiatives, ensuring smooth execution and delivery of key features already in progress.

• Deeply familiarize yourself with both digital and branch-based credit union experiences, understanding customer needs and business goals.

• Establish productive relationships with key stakeholders across Design, Engineering, Implementation, and Customer Success teams, ensuring effective collaboration.

• Develop and present a clear roadmap for foundational customer-facing features and internal tool enhancements, kicking off the execution phase with clear timelines.

• Start discussions to understand current bottlenecks and areas where the multi-product engineering team needs to balance ambiguity with speed and quality. Document insights for action in future phases.

Within 6 months, you will:

• Deliver strategic features in onboarding and fraud prevention, ensuring they are adaptable across lending and account opening for both digital and branch channels.

• Ensure all product teams are aligned, creating a rhythm for shipping coherent, unified product experiences.

• Lead discovery sessions with customers to uncover new areas of opportunity and product enhancement, driving innovation on the platform.

• Based on what you uncover in discovery, help the implementation team scale, focusing on improving the onboarding process for credit unions as they grow.

• Work closely with engineering to establish clear operating principles that enable teams to navigate high ambiguity without sacrificing speed or quality.

Within 9 months, you will:

• Partner with engineering leadership to fully transform the team into one that excels in managing ambiguity, speed, and quality. Implement a flexible framework that empowers engineers to ship high-quality products faster, even when faced with uncertainty. Incorporate feedback loops, retrospectives, and continuous improvement into this framework.

• Present to the executive team: Showcase progress and plans, including the successful transformation of the multi-product engineering team. Make a strong case for expanded ownership and a potential transition into a Group Product Manager (GPM) role by highlighting your leadership, product impact, and ability to drive both speed and quality in a complex environment.

What You’ll Bring

Like us, you’ll be deeply committed to delivering impactful outcomes for both consumers and customers, and you'll share our passion for shaping the future of Credit Unions. Additionally, we’re looking for someone who is:

• 5+ years of product management experience, preferably in fintech or a B2B2C environment.

• Proven ability to manage large-scale, complex product areas with a mix of internal tools and customer-facing elements.

• Strong strategic thinking skills with the ability to balance short-term execution with long-term vision.

• Excellent collaboration and communication skills, with a proven ability to work cross-functionally with design, engineering, and implementation teams in a B2B environment.

• Strong organizational skills and a talent for prioritizing and negotiating with both internal and external stakeholders.

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

• Passion for fintech and product management, with an entrepreneurial mindset and a commitment to delivering value for both consumers and customers.

Please note that this role may evolve as our business needs change, so we appreciate your flexibility and adaptability.

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.