Product Manager, Direct Consumer Lending

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LOCATION

Hybrid - Mountain America Center

9800 S. Monroe Street

Sandy UT 84070

SCHEDULE

Full Time

To be effective an individual must be able to perform each job duty successfully.

• Define and execute product strategy and roadmap aligned to consumer lending and enterprise priorities.
• Own the full product lifecycle from discovery and business case development through delivery and ongoing optimization.
• Translate consumer business and operational needs into clear product requirements user stories and prioritized backlogs.
• Partner cross-functionally with Consumer Lending Indirect Lending Operations Risk Compliance Technology and Data teams to deliver solutions.
• Collaborate with Data and Analytics teams to define data requirements validate insights and enable effective reporting.
• Leverage data analytics tools and dashboards to assess loan performance member behavior credit trends and operational efficiency.
• Define and monitor key performance indicators related to loan growth portfolio quality utilization cycle times and risk performance.
• Prioritize enhancements that improve member experience digital adoption approval rates and operational scalability.
• Ensure product alignment with consumer lending regulations internal policies credit risk frameworks and compliance standards.
• Drive continuous improvement initiatives across the lending lifecycle including application underwriting funding servicing and collections of touchpoints.
• Communicate product roadmap priorities and performance clearly to stakeholders and senior leadership.

Knowledge Skills and Abilities

The requirements listed are representative of the knowledge skills and/or abilities required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential job functions.

Experience

• 6 years of experience in product management with at least 3 years owning or supporting product lifecycle activities including strategy delivery and performance optimization.
  • Experience working with consumer loan products such as auto personal credit card or home equity lending preferred.
• Experience using data reporting and analytics to inform product decisions measure outcomes and identify opportunities for improvement.

Education

• Bachelors degree in business finance technology or related field OR three additional years combined experience in a progressive product management setting.

Licenses Certifications Registrations

• Certified Product Manager Certification preferred.

Computer and Technology Skills

• Advanced proficiency in Microsoft Office tools (Excel PowerPoint) with the ability to automate tasks and generate executive-level insights.
• Fluent in using data visualization and reporting platforms (e.g. Power BI Tableau) for performance tracking and decision support.
• Familiarity with consumer lending systems loan origination systems (LOS) servicing platforms and digital lending tools.
• Experience leveraging data analytics and emerging technologies (including AI-enabled tools) to enhance product performance and member insights.
• Strong ability to interpret data across multiple systems including cloud-based platforms and APIs.
• Working knowledge of Agile project management tools (e.g. Jira Azure DevOps) and process documentation tools (e.g. Visio Lucidchart).

Language Skills

• Demonstrated ability to clearly express ideas methodology results and recommendations verbally in writing and through insightful reports and graphic illustrations
• Demonstrated ability to document outcomes and present information in a manner appropriate for key stakeholders and all levels of the organization.

Other Skills and Abilities

• Solid understanding of product management practices including product lifecycle delivery and continuous optimization.
• Working knowledge of business banking lending products and related systems (preferred).
• Ability to translate business needs into clear product requirements user stories and actionable priorities.
• Demonstrated ability to use data and analytics to inform decision-making measure outcomes and drive product improvements.
• Proficiency in data analysis tools (e.g. Excel dashboards or visualization platforms) with the ability to interpret validate and apply data insights.
• Strong collaboration and communication skills with the ability to effectively engage stakeholders across varying levels teams and communication styles.
• Ability to manage multiple priorities balance competing demands and execute with a high degree of independence.
• Proven problem-solving skills with a proactive mindset to identify opportunities improve processes and enhance efficiency.
• Understanding performance measurement including defining and tracking KPIs tied to growth utilization efficiency and member experience.
• Ability to contribute to product outcomes that support business growth operational effectiveness and service delivery.

PHYSICAL ABILITIES / WORKING CONDITIONS

Physical Demands

Ability to sit talk and hear consistently

Ability to stand walk and use hands to handle or reach occasionally

Vision Requirements

Close vision (clear vision at 20 inches or less)

Distance vision (clear vision at 20 feet or more)

Weight Lifted or Force Exerted

Ability to lift to 10 pounds occasionally

Environmental

There are no unusual environmental factors (such as a typical office)

Noise Environment

Moderate noise (business office with computers and printers light traffic)

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Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.