Product Manager, Acquisitions Decisioning

We're looking for a technical product thinker to join our Acquisitions Team as a Product Manager for Acquisitions Decisioning.

In this role, you will own the "brain" of our customer acquisition engine, managing the critical logic that assesses risk, verifies identity, and determines credit lines the moment someone hits "submit" on their credit application.

The Impact You’ll Make

You’ll drive forward our mission of empowering people to unlock financial progress by continuously refining our real-time decisioning infrastructure. You will bridge the gap between complex credit policies and technical execution to build a scalable, secure, and efficient decisioning platform. Your work will enable the Credit team to deploy new models with speed, reduce data costs without sacrificing accuracy, and ensure we scale safely by keeping fraud at bay.

The Team & Environment

You’ll be part of a fast-paced, cross-functional team focused on optimizing the backend systems that drive our business growth. As the subject matter expert for our decisioning logic, you will operate with a high level of agency to drive alignment across Credit, Fraud, and Engineering. This role offers the opportunity to own high-stakes technical challenges, requiring you to prioritize based on data to balance risk management with a seamless user experience.

As Product Manager, Acquisitions Decisioning you will:

• Define and execute the product roadmap for our post-application decisioning engine, translating high-level strategic goals into detailed technical requirements and user stories.
• Partner with the Data, Credit, and Engineering teams to operationalize complex underwriting models, ensuring business logic is correctly translated into platform features that balance risk separation with speed-to-market.
• Optimize our portfolio of third-party data integrations to balance approval accuracy with unit economics and data costs.
• Collaborate with Fraud Operations to implement real-time defenses against synthetic fraud and identity theft attacks.
• Monitor the health of the decisioning platform to ensure high availability, low latency, and accurate error handling while maintaining a seamless customer experience.

Minimum Qualifications

• 3+ years of product management experience, with a focus on backend decisioning systems.
• Technical proficiency and the ability to have in-depth conversations with engineers about system architecture, APIs, and implementation trade-offs.
• Proficiency using SQL to query data, investigate decision logs, and analyze funnel performance.
• Proven track record of managing complex projects with dependencies across multiple different teams.
• Experience designing and running A/B tests.
• Strong analytical skills and experience using data to drive decisions and measure success.

Preferred Qualifications

• Experience working in fintech, lending, or financial services.
• Experience managing platform products that rely heavily on data exchange and API integrations rather than user interfaces.
• Operational experience preventing or managing fraud.
• Familiarity with credit bureau data or other identity verification services.

Compensation

Annual full-time base salary range: $115,000 - $127,000

Additional compensation in the form(s) of participation in our annual incentive program and equity are dependent on role. Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes paid time off, 401(k) match, a monthly wellness stipend, health/ dental/ vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-friendly work environment.