Principal Product Manager Lead Qualification and Decisioning Platform

Location: San Mateo CA - this will be a hybrid role.  
Team: Enterprise Platform

About the Role

Achieve is building the next generation of intelligent decisioning capabilities to help everyday people get out of debt and build a brighter financial future. As the Principal Product Manager you will own the strategy roadmap and execution of our centralized lead qualification & decisioning engine which powers these core functions across all Achieve products:

• Lead Qualification: Enrich score and route leads across the enterprise.

• Verifications: Integrate with 3rd-party data providers to retrieve critical credit income employment and fraud signals.

• Decisioning: Evaluate lead quality eligibility and credit risk to increase conversion reduce loss risk and enable delivery of a more personalized customer experience.

Youll partner closely with Platform Engineering Data Science Business Compliance Security and Product teams across the company to scale decision automation improve decision quality accelerate experimentation and modernize Achieves decisioning infrastructure.

Why This Role Matters

Achieves growth depends on our ability to quickly identify the right customers route them to the right experiences and make fast accurate customer-centric decisions at scale. The Lead Qualification & Decisioning Platform is both the front door and the brain of how we qualify and approve customers across all Achieve products.

As the Principal Product Manager you will shape the intelligence that drives every step of the customer journeyfrom the moment a lead expresses intent to the moment we present a personalized risk-appropriate offer that deepens user engagement.

Your work will directly influence:

• Lead quality and speed-to-lead ensuring customers are routed to the best product or channel in real time

• Marketing efficiency by improving qualification accuracy and minimizing wasted spend

• Which customers to approve at what terms and with what level of risk

• Decision quality and loss performance maximizing enrollments while minimizing delinquency and fraud

• How quickly the business can launch test and iterate on new strategies (funnels rules pricing and models) to stay competitive in a dynamic marketplace

This continued evolution of this platform is central to Achieves ability to scale responsibly expand into new product categories and deliver the right solution to millions of consumers. The leader in this role will materially influence both our business trajectory and the financial outcomes of the people we serve.

What Youll Do

• Define & own the long-term vision and multi-year roadmap for Achieves Decisioning Platform that spans across rules engines ML decision models data integrations model deployment & orchestration

• Partner closely with the engineering team and platform leadership to align on technical strategy prioritize initiatives and provide guidance on business use casestranslating customer needs into scalable and high-impact enterprise solutions while fostering a collaborative high-performing partnership.

• Drive platform improvements to increase resiliency reduce latency improve versioning & observability strengthen governance and enhance UX for internal users.

• Build and maintain core enterprise integrations with credit bureaus lending partners and other critical 3rd party data verification providers (income employment fraud etc.).

• Enable self-service strategy configuration so product and risk teams can configure test and deploy decision models & appropriate strategies safely and quickly to power eligibility offer optimization pricing and other decision logic.

• Enhance lead qualification workflows and routing logic to improve real-time decision accuracy offer qualification rates lead transfers and enrollments.

• Define & track platform KPIs to assess decision accuracy model deployment time decision cycle time model quality and operational efficiency.

• Drive cross-functional alignment across credit marketing operations compliance and emerging business lines to ensure the platform meets enterprise needs.

• Influence engineering architecture & data model design to ensure scalability reliability security and compliance with data and model governance standards.

Provide thought leadership through identifying opportunities where decisioning automation and ML can unlock superior customer outcomes operational efficiency and vastly improve business performance.

Qualifications :

What You Bring

• 10 years of product management experience with deep expertise in decisioning systems credit/underwriting platforms rules engines or ML-driven products.

• Demonstrated success delivering enterprise-scale platform capabilities ideally in a high-growth or multi-product environment.

• Familiarity with PCI compliance tokenization and data security best practices

• Strong understanding of risk modeling decision trees model lifecycle experimentation (A/B testing) and data governance.

• Proven success partnering with strong engineering & data teams to ship high-impact platform capabilities.

• Excellent communication and storytelling skillsable to simplify complexity and influence key stakeholders & executives.

• Financial services or fintech experience strongly preferred.

Additional Information :

All your information will be kept confidential according to EEO guidelines.

Achieve well-being with:

• 401 (k) with employer match
• Medical dental and vision with HSA and FSA options  
• Competitive vacation and sick time off as well as dedicated volunteer days
• Access to wellness support through Employee Assistance Program physical and mental health wellness programs
• Pet care discounts for your furry family members
• Financial support in times of hardship with our Achieve Care Fund
• A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

Salary Range: $170000 to $210000 annually bonus benefits. 

This information represents the expected salary range for this role. Should we decide to make an offer for employment well consider your location experience and other job-related factors.

Join Achieve change the future.

Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieves Talent Acquisition leader.

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Remote Work :

No

Employment Type :

Full-time