Product Manager – Auto Lending Pricing & Decision Platforms

Description

The company is a global financial services firm moving from a high-impact brand into a technology-driven organization.

This is a Sr. Associate, Product Management role in Auto Finance, covering pricing, decisioning and originations products for consumer and commercial lending.

The work supports credit risk management, pricing strategy and funding goals, and the products must be scalable, compliant and profitable.

Everyone in the company is expected to take a proactive and responsible approach to risk management.

Responsibilities

• Define business and functional requirements and allocate work within projects or teams.
• Lead product strategy across decision engines, pricing frameworks and origination platforms.
• Help lead cross-functional sessions with Credit Risk, Pricing Strategy, Development, Operations, Compliance and Marketing when needed.
• Review reports from junior analysts, using your knowledge of competitors, consumer and dealer behavior and market conditions, then summarize findings and recommend actions for management.
• Build working knowledge of pricing models, decisioning rules, origination workflows and funding mechanics.
• Build product business cases from portfolio performance, pricing impact, credit risk results and industry benchmarks.
• Rank product requirements by feasibility, regulatory impact and return on investment.
• Write and maintain requirements, user stories, features and decision logic, along with policy, decisioning and implementation documentation.
• Use customer, dealer and internal feedback to shape product enhancements and priorities.
• Help define product scope, ownership and responsibilities across pricing and origination capabilities.
• Help the Pricing Strategy, Credit Risk and Originations teams meet their objectives.
• Learn the full auto finance process, from application intake through decisioning, pricing, funding and servicing, so solutions fit business priorities.
• Work with Technology teams on strategic planning, architecture alignment and Program Increment (PI) planning.
• Maintain product roadmaps and platform strategies for pricing, decisioning and originations.
• Tailor decisioning and pricing services to portfolio strategy, risk appetite and dealer or channel needs.
• Track industry trends, regulatory changes and new decisioning and pricing technology.
• Develop consultative and new capabilities that strengthen core pricing and decisioning solutions.
• Help shape organizational and platform structures for faster time to market, lower costs and fewer duplicate systems, while keeping solutions efficient, compliant and scalable.

Requirements

• Bachelor's Degree or equivalent work experience in business, finance or a related field (required).
• 9+ years of related work experience (required).
• Solid understanding of auto finance regulation and how it affects pricing, decisioning and origination products.
• Proven experience with auto finance pricing, credit decisioning and origination platforms, including loan and lease products.
• Understanding of the product development lifecycle in regulated financial services.
• Strong analytical skills and financial judgment to assess pricing, credit risk and profitability impacts.
• Ability to build strategic product plans and set clear actions that grow the portfolio and returns.
• Self-driven, forward-looking and takes firm ownership of your work.
• Able to turn complex credit, pricing and regulatory requirements into scalable product features.
• Communicates clearly, verbally and in writing, with internal teams, dealer-facing partners and executives.
• Experience with Agile and SDLC frameworks in financial services.
• Experience with both Waterfall and Agile delivery methods.
• Hands-on Agile Scrum experience, including daily standups, PI planning, sprint planning, sprint reviews and retrospectives.
• Strong project and stakeholder management skills.
• Acts with integrity and professionalism with stakeholders at every level.
• Must be legally authorized to work in the United States full-time, without requiring employer sponsorship to start.
• Product Management certification (preferred).
• Nice to have: established work history shown through work experience, training, military service or education.
• Nice to have: experience with auto finance decision engines, pricing models and origination platforms.
• Nice to have: proficiency with Microsoft Office products.

Conditions

Location: United States of America.

Mostly sitting, standing and walking with minimal physical effort. Depending on location, occasional light lifting and moving of equipment or furniture may be needed.

Base pay range: $93,750.00 to $165,000.00 USD, annualized. Hourly non-exempt roles are based on a 40-hour week. Actual pay varies by skills, experience, training, licensure, certifications and location.

The duties listed are not exhaustive, and other duties may be assigned. Performance on the listed tasks may be part of your evaluation. The company may revise this description at any time. It is not an employment contract, and either party may end employment at any time for any reason.

Reasonable accommodations are available for people with disabilities, including during the application process.

Benefits

• Rewards package described as fair and competitive, designed to support you, your family and your well-being now and in the future.
• Full benefit details are set out in the company's benefits guide.