Senior Product Manager

ROLE OVERVIEW

We are looking for a Product Manager with 4+ years of experience in fintech or digital lending, with a strong focus on collections and recovery workflows. You will own and drive the product roadmap for collections capabilities, helping financial institutions optimize recovery rates, streamline operations, and enhance borrower engagement. The ideal candidate brings a strong understanding of collections lifecycle, delinquency management, and recovery strategies, along with the ability to work closely with engineering teams to deliver scalable and data-driven solutions. Experience with LOS/LMS platforms is a plus.

KEY RESPONSIBILITIES

• Define and drive the product vision, roadmap, and execution for collections and recovery solutions.
• Own end-to-end collections lifecycle capabilities including delinquency management, DPD segmentation, recovery workflows, and payment tracking.
• Work closely with stakeholders to design and optimize collections strategies, automation workflows, and customer communication journeys.
• Collaborate with engineering teams to deliver scalable features using Agile methodologies, ensuring timely and high-quality releases.
• Build and enhance rule engines, prioritization logic, and automated decisioning systems for collections efficiency.
• Design omnichannel engagement strategies (calls, SMS, email, field collections) to improve recovery outcomes.
• Partner with risk, operations, compliance, and analytics teams to align product features with business and regulatory requirements.
• Own backlog grooming, sprint planning, and release cycles to ensure consistent product delivery.
• Define and track KPIs such as collection efficiency, recovery rates, roll rates, and customer engagement metrics.
• Leverage data insights to continuously improve product performance and user experience.
• Work closely with customers to gather feedback and translate it into actionable product enhancements.

REQUIRED SKILLS & QUALIFICATIONS

• 4+ years of experience in product management within fintech, lending, or financial services SaaS.
• Ability to translate business requirements into clear user stories, workflows, and product features.
• Hands-on experience working with engineering teams in Agile environments.
• Strong analytical mindset with experience in defining and tracking collections-related KPIs.
• Excellent stakeholder management and cross-functional collaboration skills.
• Strong communication and problem-solving abilities.

GOOD TO HAVE

• Experience with Loan Origination Systems (LOS) and/or Loan Management Systems (LMS).
• Understanding of collections domain, including delinquency buckets, recovery strategies, and
• collections operations.
• Exposure to AI/ML-driven collections strategies, decision engines, or automation tools.
• Understanding of regulatory and compliance frameworks in lending.
• Experience working with collections platforms, recovery tools, or payment systems.