Lead Product Manager, Personal Loans

San Francisco, CA
Full-time
Mid-Senior level

About the Role

At Happen Bank in the Financial Services space, Reimagining banking to help millions achieve their financial goals.

Happen Bank is looking for a Lead Product Manager to own the most complex, ambiguous, and cross-cutting problems in the personal loans portfolio, from acquisition and application through decisioning, offers, and funding. You will shape portfolio-level strategy alongside the Sr Director of Product Management, frame problems the team has not yet recognized, and set the standard for product craft that others model their work on. Your impact is measured by the quality of your strategic thinking, the clarity of your problem framing, and the outcomes your work produces across the portfolio. You will serve as a trusted product voice to senior leadership across Engineering, Design, Research, Data, Risk, Compliance, Operations, and business stakeholders, navigating the complex intersections of regulation, credit strategy, and customer experience.

Want to learn more about what it's like to work at Happen Bank? View our full profile.

Requirements

  • 7+ years of product management experience
  • Experience working in regulated consumer fintech environments
  • Demonstrated practice of continuous product discovery, including customer research, problem validation, and evidence-based prioritization at portfolio scale
  • Proven ownership of high-traffic digital products with measurable customer and business outcomes in complex, regulated environments
  • Strong analytical orientation and comfort defining KPIs and working closely with data
  • Recognized cross-functionally as a trusted partner; proactively builds alignment and brings stakeholders together across Engineering, Risk, Compliance, Design, and business teams
  • Experience defining experimentation strategy for your assigned product domain
  • Ability to clearly articulate strategy, frame tradeoffs, and influence senior leadership across technical, business, and regulatory audiences
  • Strong product judgment recognized by peers; others seek your input on their hardest problems
  • Track record of leveraging AI tools to elevate product thinking, analysis, and execution quality
  • Bachelor's degree or higher, or equivalent combination of education and experience

Benefits

  • Competitive salary and performance bonus
  • 401(k) matching
  • Short and long-term disability benefits
  • Transit benefits
  • Employee assistance program
  • Paid volunteer time and donation matching
  • Employee resource groups for diverse communities
  • Perks with Andytown Coffee Roasters (SF) and stocked pantries (all offices)
  • Untracked time off for salaried employees
  • Generous paid time off for hourly team members
  • Hybrid work model
  • Up to 16 weeks paid parental leave
  • Phased return-to-work policy for qualified leaves
  • Up to 2 weeks of 'pawternity' work-from-home flexibility for eligible employees
  • Leading health, dental, and vision programs
  • Generous and varied mental health benefits
  • Wellness program with up to $750/year cash incentives
  • Mothers rooms with hospital-grade pumps in every office
  • Onsite gym and lockers (SF & Lehi)

What It's Like to Work at Happen Bank

82% love working here
86% trust their manager
79% would recommend
S

Systemic Collaboration

… strategies from every corner of Happen Bank are communicated transparently and consistently. For example, biweekly town halls connect the dots strategically and tactically and are led by CEO Scott Sanborn and other executive leaders. LC also offers a lot of cross-functional growth opportunities for employees, along with career maps that will help them lead a successful future at LC and beyond. LC also offers employees exposure and access to leaders within Happen Bank to enable them to build relationships and further boost opportunities for career and personal growth.

P

Positive Vision for the Future

…we are continuously seeking individuals who are passionate about making a difference in people’s lives, particularly on their paths to financial stability. It’s easy to align company values with employee values when you both are striving towards the same goal, while also learning to embrace different perspectives and values based on different backgrounds, experiences and personalities.

A

Alignment of Values

… fostering an environment where people of all backgrounds and experiences are welcomed and respected. Leading by example, Scott ensures Happen Bank values are evident across employee involvement, hiring processes, development practices, and inclusive benefits. Scott also makes himself available to employees at all levels of Happen Bank as a resource and mentor, and leads the biweekly town halls with personality and investment.

R

Respect

… ensuring there is no “typical” LendingClub employee. We encourage everyone to use their voices and express their opinions by providing employee resources groups supporting women, LGBTQ+, Black, Asian, Latinx, Jewish, parent, and veteran team members that offer more ways to feel connected within our LendingClub community. We also have an immigration program, conduct diversity training, promote open collaboration around core company values, develop diversity statements and have above-industry-average stats when it comes to having an inclusive work culture.

K

Killer Outcomes

… rallying around a centralized, company-wide mission and utilizing common platforms that streamline workflows and foster transparency. The LendingClub mission of helping everyday Americans achieve financial health touches every single work function, from technical products to customer service to executive administration. Fintech companies aren’t always known for being mission-driven, but LC walks the walk through a combination of industry-leading practices, a unique business model and a dedicated employee base. LC also ensures clear, organization-wide communication by hyper-focusing on two main platforms, to which all employees are held accountable.

What It's Like to Work Here

lightbulb Bold Innovation & Challenging Status Quo
users Authentic Collaboration Across Disciplines
check-circle Accountability With Trust
target Purpose-Driven Work With Real Impact
hand-heart Member-Centric Decision Culture

Frequently Asked Questions About Working at Happen Bank

Common questions candidates ask about this role and Happen Bank's workplace

Since 2007, LendingClub (NYSE: LC) has reimagined banking to give our more than five million members the credit and savings they deserve. We build lifetime relationships through an integrated set of smart, simple, mobile-first financial solutions that are tailored to our members’ specific needs. LendingClub’s capital-light business model is structurally different, combining durable interest income from our bank balance sheet with revenue and scale from loan sales to third-party investors. This earnings flywheel delivers durable financial results while also allowing us to relentlessly reward our members. Credit is key to our success and our long track record of credit outperformance is enabled by AI-powered underwriting models informed by over 150 billion cells of proprietary data derived from tens of millions of repayment events through numerous economic cycles. Taken together, our unique model, decades of credit insight, innovative products, engaging experience, exceptional service, and experienced team deliver consistently great outcomes for borrowers, loan investors, and shareholders alike – and we’re just getting started. LendingClub is the parent company of LendingClub Bank, National Association, Member FDIC. For more information about LendingClub, visit https://www.lendingclub.com .

Please review the specific job listing or contact Happen Bank's recruiting team for details on remote or hybrid work options for this role.

Salary information may vary by role and location. Please check the specific job listing or discuss compensation during the interview process.

Happen Bank is an established organization in its industry. The company focuses on maintaining a supportive workplace culture for all employees.

Key benefit categories include: Time Off & Flexibility, Health & Wellness, Financial Benefits, Professional Development, Community & Culture. For this role specifically, benefits include: Competitive salary and performance bonus, 401(k) matching, Short and long-term disability benefits, Transit benefits, Employee assistance program, Paid volunteer time and donation matching, Employee resource groups for diverse communities, Perks with Andytown Coffee Roasters (SF) and stocked pantries (all offices), Untracked time off for salaried employees, Generous paid time off for hourly team members, Hybrid work model, Up to 16 weeks paid parental leave, Phased return-to-work policy for qualified leaves, Up to 2 weeks of 'pawternity' work-from-home flexibility for eligible employees, Leading health, dental, and vision programs, Generous and varied mental health benefits, Wellness program with up to $750/year cash incentives, Mothers rooms with hospital-grade pumps in every office, Onsite gym and lockers (SF & Lehi). You can view more details on their CertCheck profile.

The day-to-day environment is guided by core values such as Bold Innovation & Challenging Status Quo and Authentic Collaboration Across Disciplines and Accountability With Trust.

The company has committed to inclusive practices including: Member-First Decision Making and Psychological Safety & Voice.

Happen Bank has an employee workplace love score of 82%. They score particularly well in the area of Systemic Collaboration.

Happen Bank currently has 1 open position. You can view all current openings at certcheck.mostlovedworkplace.com/companies/happen-bank/jobs.

The interview process typically involves an initial recruiter screen followed by team interviews. Please contact Happen Bank's recruiting team for specific details on this role's process.

Apply for Lead Product Manager, Personal Loans

Submit your application directly to the Happen Bank team. Let them know why you'd be a strong addition to their team.

Happen Bank

Happen Bank

Financial Services
San Francisco
View Company Profile

Employer Brand Score

45/100

Based on continuous AI analysis of public sentiment, employee reviews, and culture signals.

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