Lead Product Manager — Growth & Customer Experience (Embedded Lending)

Current Employees of Happen Bank: Please apply via your internal Workday Account

Happen Bank (formerly LendingClub) is built around a simple purpose: to clear the way to help people turn intention into action, and action into financial progress. That means offering focused products, a frictionless mobile-first experience, and clear terms with no gotchas. Respect and fairness is part of our DNA, and that ideal shapes how we work, how we treat each other, and how we invest in our employees and our community. Join us in using data, bold thinking, and a commitment to innovation to help clear the way for millions of Americans to achieve more.

About the Role

At Happen Bank, we put our customers at the center of everything we do. Our Embedded Lending team builds financing experiences that are seamlessly integrated at the point of sale, helping merchants grow while giving customers access to affordable, transparent credit.

We’re reinventing origination, risk, and merchant tooling with a focus on growth, customer experience, and operational excellence. We’re looking for a Lead Product Manager who thrives at the intersection of data, UX, and platform thinking, and who is motivated by improving funnel performance for both merchants and borrowers. This role is highly cross-functional and fast-moving, with ownership across strategy, execution, and iteration.

What You'll Do

Drive Growth Through Funnel Optimization

Own and optimize the end-to-end origination funnel across web, mobile, and API experiences

Identify friction using quantitative data, experimentation, and qualitative insights, then test and ship improvements quickly

Improve conversion, approval rates, and time-to-decision while maintaining compliance and strong credit quality

Champion Customer Experience

Map borrower and merchant journeys to uncover usability gaps and unmet needs

Define intuitive, confidence-building user flows with a strong attention to UX quality

Advocate for simplicity by removing unnecessary steps, complexity, and operational friction

Build and Execute an ROI-Driven Roadmap

Prioritize initiatives using clear success metrics, quantified impact, and business alignment

Lead cross-functional execution from discovery through launch and ongoing optimization

Partner closely with engineering to deliver reliable, observable, and scalable platforms for merchant partners

Use Data to Inform Decisions

Ensure strong funnel instrumentation, clean eventing, and actionable dashboards

Self-serve insights using SQL and analytics tools to validate hypotheses

Run A/B tests and progressive rollouts as a core part of the product development lifecycle

Evolve Credit, Fraud, and Verification Experiences

Partner with Risk, Data Science, and Compliance to improve identity, fraud, and underwriting flows

Ship decisioning enhancements that reduce losses without introducing unnecessary friction for good customers

Improve Merchant Experience and Tooling

Enhance merchant onboarding, reporting, CRM workflows, and internal tools to increase activation and efficiency

Lead transitions from legacy systems to modern platforms

Shape a high-quality developer experience for partners integrating with LendingClub APIs

About You

8+ years of product management experience, ideally in fintech, lending, payments, or consumer-facing platforms

Bachelor's degree or higher, or equivalent combination of education and experience

Growth-minded and highly analytical, with deep experience in funnel optimization, experimentation, and hypothesis-driven development

Strong customer empathy and discovery skills, with an instinct for simple, intuitive, and high-quality user experiences

Comfortable using data to inform decisions, including hands-on experience with SQL and analytics tools such as Heap or Snowflake

Experienced partnering cross-functionally with engineering, design, risk, data science, compliance, operations, and go-to-market teams

Able to balance growth, customer experience, and regulatory requirements in a complex environment

Familiar with origination flows, KYC/KYB, fraud, underwriting, and partner integrations

Track record of leveraging AI tools to elevate product thinking, analysis, and execution quality

Bonus: experience with merchant-led sales models or the home improvement ecosystem

Work Location

San Francisco

The above locations are eligible offices for this role. The locations have been determined to foster in-person collaboration with this role’s team or the related business lines. We utilize a hybrid work model, and our teams are in-office Tuesdays, Wednesdays, and Thursdays. In-person attendance is essential for this role’s success, and remote placement will not be considered. Happen Bank offers relocation, based on actual job level.

Time Zone Requirements

Primarily PT

While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.

Travel Requirements

As needed travel to Happen Bank offices and/or other locations, as needed.

Compensation

The target base salary range for this position is 190,000-215,000. The base salary of the role will be determined by job-related knowledge, experience, education, skills, and location. Base salary is just one part of Happen Bank’s Total Rewards package. You may also be eligible for long-term awards (equity) and an annual bonus (which is based on company performance, employee performance and eligible earnings).

We’re creating new financial services solutions for our members based on fairness, simplicity, and heart, and we treat our employees the same way. We offer a competitive benefits package that includes medical, dental and vision plans for employees and their families, 401(k) match, health and wellness programs, flexible time off policies for salaried employees, up to 16 weeks paid parental leave and more.

#LI-Hybrid

#LI-BC1

We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability, please contact us at interviewaccommodations@happen.com.

Notice on AI Tool Use

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