[Remote] Senior Product Manager- Credit, Cash Advance & Lending

Note: The job is a remote job and is open to candidates in USA. Alt is unlocking the value of alternative assets, starting with the $5 B trading-card market. They are seeking a Senior Product Manager to own the full credit system end-to-end, focusing on underwriting logic, risk thresholds, and operational workflows related to cash advances and lending products.

Responsibilities

• Own underwriting logic for both cash advances and loans
• Partner with Data Science to refine model thresholds, LTV caps, expected-loss calculations, and override rules
• Improve calibration between expected loss (EL) and actual portfolio performance
• Ensure decisioning is fast, consistent, and scalable across asset categories
• Own the borrower UI/UX end-to-end: application → offer → funding → repayment
• Improve clarity, trust, and ease-of-use in the borrowing experience
• Reduce friction and increase completion rates for both cash advances and loans
• Develop features that encourage responsible, repeat borrowing
• Monitor loss rates, delinquency, utilization, and customer repayment behavior
• Work with Finance to maintain healthy margins and capital efficiency
• Implement guardrails that reduce adverse selection and improve overall risk quality
• Build dashboards and reporting that clearly communicate model health
• Own CX/Ops flows related to funding, repayment, manual review, and exceptions
• Reduce operational overhead through automation and clear logic pathways
• Ensure operational processes scale with volume while maintaining strong controls
• Build and own the quarterly roadmap for cash advances and lending
• Align Engineering, Data Science, CX, Finance, Compliance, and Marketplace Ops
• Communicate priorities clearly and drive disciplined, cross-functional execution

Skills

• 5–8+ years of PM experience in credit, lending, underwriting, risk, or fintech
• Strong understanding of underwriting logic, expected-loss modeling, delinquency, and LTV frameworks
• Comfortable interpreting model outputs and turning them into credit rules and customer-facing flows
• Experienced partnering with Finance, Data Science, CX, and Engineering
• A product thinker who can simplify complex financial decisions into clear, user-friendly interfaces
• Able to operate at multiple altitudes — from credit model details to high-level product strategy
• You move fast, take ownership, and communicate clearly

Benefits

• $100/month work-from-home stipend
• $200/month wellness stipend
• WeWork office stipend
• 401(k) retirement benefits
• Flexible vacation policy
• Generous paid parental leave
• Competitive healthcare benefits, including HSA, for you and your dependent(s)

Company Overview