Product Manager - Loan Servicing Contract Hybrid SF

Job Title: Product Manager - Loan Servicing
Location: San Francisco, California, USA (Hybrid)
Contract Duration: 6 months (+ Likely to extend)
Job Summary
We are seeking a strategic and technically strong Product Manager to lead Happen Bank's expansion in our lending verticals and partner programs. This role is responsible for driving execution in product areas such as Home Improvement and Purchase Finance, expanding our loan offerings with new loan types such as promotional-rate financing, and onboarding new provider partners. Modernizing our underlying loan servicing platform is a supporting part of this work, needed to reliably support these new products, loan types, and partners.
You'll play a key role in growing Happen Bank into new markets and partnerships while ensuring borrowers can reliably manage and repay their loans across an expanding set of products.
Key Responsibilities
Product & Partner Expansion Strategy

• Own and build the roadmap for expanding Happen Bank's lending capabilities into new product areas such as Home Improvement and Purchase Finance, including new loan types like promotional-rate offers.
• Define requirements for onboarding new Home Improvement and Purchase Finance partners, ensuring servicing and origination systems can support each partner's unique program terms.
• Partner Integration & Onboarding
• Partner with engineering to integrate new partner systems and loan types into our lending platform, coordinating end-to-end onboarding for new Home Improvement and Purchase Finance partners.
• Identify gaps in servicing data flows and system capabilities needed to support new product types and partner-specific requirements, and modernize the underlying loan servicing platform where needed.

New Loan Type Enablement

• Lead the definition and delivery of new loan type capabilities, such as promotional-rate structures, ensuring systems accurately calculate, bill, and report on these terms.
• Establish data quality and reporting standards for new products and partners to maintain clean, reliable borrower account records across all channels.

Use Case Expansion & Feature Delivery

• Translate business and partner requirements into detailed specifications for new loan types, partner onboarding, and servicing workflows, i.e. execute the roadmap.
• Prioritize and deliver new capabilities to support partner launches, new product types, regulatory changes, and improved borrower experiences.

Compliance & Risk Alignment

• Work closely with Compliance, Legal, and Risk teams to ensure new loan types, promotional terms, and partner programs adhere to regulatory requirements (e.g., Reg Z, FDCPA, state servicing regulations) and internal risk standards.
• Advocate for borrower data protection and secure-by-design principles across new partner integrations.

Cross-Functional Collaboration

• Partner with engineering, design, partner management, operations, and product teams to deliver seamless onboarding and servicing experiences for new partners and loan types.
• Communicate roadmap, progress, and decisions clearly to stakeholders and senior leadership.

Qualifications
Education

• Bachelor's degree in Computer Science, Information Systems, Engineering, or a related technical field.
• MBA or advanced degree is a plus.

Experience

• 5+ years of product management experience, with at least 2-3 years focused on loan servicing, payments, partnerships, or fintech platform expansion.
• Demonstrated experience launching new loan products, integrating lending partners, or expanding into new lending verticals (e.g., home improvement, point-of-sale/purchase finance).
• Experience integrating large-scale or legacy systems, or onboarding external partners into servicing platforms, is strongly preferred.

Skills & Competencies

• Understanding of user-centered design and ability to partner with Design to create customer-centric experiences.
• Strong technical ability to translate architecture concepts, API designs, and data models into clear product requirements.
• Excellent communication and stakeholder management skills, with experience presenting to executives.
• Proven ability to lead cross-functional teams to deliver complex platform capabilities.
• Familiarity with data governance, data quality frameworks, and loan lifecycle management across multiple product types.

Technical Knowledge

• Knowledge of loan and payment data models, master data management (MDM), and data quality tooling.
• Experience with Shaw Spectrum is a plus.

Preferred

• Experience in financial services, fintech, or other regulated industries.
• Knowledge of loan servicing and promotional financing regulations (e.g., Reg Z, Reg E, FDCPA, state servicing requirements, etc.).