Product Line Manager, Lending Solutions (Sponsor Bank)

About the Role:

We’re seeking a Product Line Manager to own the strategy, governance, and commercialization of our commercial and consumer lending product portfolio offered through Sponsor Bank partnerships. You will set the product guidelines, drive new solution launches end‑to‑end, optimize existing offerings, and ensure alignment with risk, compliance, and operational excellence. This role is ideal for a builder who thrives at the intersection of credit, payments, fintech partnerships, and regulated bank programs.

What You Will Do:

Product Strategy & Ownership

• Define and maintain the product line strategy across consumer and small business lending products (e.g., installment loans, lines of credit, charge cards, hybrid debit/credit constructs, and embedded credit features).
• Create and steward Product Guidelines (eligibility, pricing, fees, underwriting guardrails, customer experience standards, servicing/collections, account lifecycle rules).
• Build product roadmaps based on customer feedback and industry analysis.

Commercialization & GTM

• Lead end‑to‑end commercialization: business case, positioning, value proposition, packaging, channel enablement, launch playbooks, and sales collateral.
• Partner with program managers, fintechs, processors, and networks to shape compelling sponsor‑backed lending solutions.
• Orchestrate cross‑functional launch squads (Sales, Marketing, Legal/Compliance, Risk, Credit, Operations, Technology).

Governance & Compliance

• Maintain product controls with Risk/Compliance: regulatory implications, operating procedures, change management, and control evidence (disclosures, policy references, testing outcomes).
• Ensure product designs meet applicable Reg Z, UDAAP principles, fair lending, data privacy, servicing and collections standards, and applicable Reg E touchpoints when the lending product interacts with asset accounts (e.g., card‑accessed hybrid features).
• Drive issue management and root‑cause remediation for product, servicing, and customer outcomes; manage product audits/exams in partnership with Compliance.

Partnerships & Stakeholder Leadership

• Serve as product SME to Sales for opportunity shaping; co‑author proposals and RFP responses.
• Align with Technology on build/buy/partner decisions; author epics/user stories; ensure high‑quality product requirements and traceability to controls.
• Represent the product line in steering committees and risk councils; present updates to senior leadership.

What You Will Need:

• 7+ years in Product Management, Product Strategy, or Credit/Lending Product roles within a regulated financial institution or fintech partnership model.
• Hands‑on experience launching and scaling lending products (consumer or SMB), including underwriting collaboration, pricing, servicing, and lifecycle management.
• Proven ability to build product guidelines/policies and to lead commercialization across cross‑functional teams.
• Strong grasp of bank program operations and partner ecosystems (processors, networks, fintech platforms).
• Demonstrated familiarity with U.S. regulatory frameworks relevant to lending (e.g., Reg Z, fair lending, UDAAP) and operational touchpoints (e.g., Reg E when the access device interacts with asset accounts, privacy, collections standards).
• Data‑driven decision maker with competency in building business cases, reading credit performance metrics, and presenting executive‑level recommendations.

Preferred (Nice to Have)

• Experience in Sponsor Bank models, BIN sponsorship, or embedded finance/credit with fintech partners.
• Exposure to hybrid debit/credit constructs (e.g., card‑accessed LOC features) and commercialization in multi‑party arrangements.
• Familiarity with statement/disclosure design, marketing compliance review, and model risk management practices.
• Strong network in agent banks, program managers, networks (Visa/Mastercard), and core processors.

Competencies

• Exceptional Communication Skills: Ability to clearly articulate complex concepts to diverse audiences- executives, technical trams, partners, and clients- through concise written documentation, compelling presentations, and confident verbal delivery.
• Strategic Thinking & Execution: Converts vision to tangible outcomes.
• Regulatory Acumen: Navigates complex rules; designs compliant customer journeys.
• Cross‑Functional Leadership: Influences without authority; excellent communication.
• Analytical Rigor: Turns data into insights and action.
• Customer‑Centricity: Builds intuitive, fair, and transparent products.
• Operational Excellence: Strong process design, documentation, and risk controls.

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range: $86,000 – $145,000

The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.
This role is also eligible for an annual performance-based incentive opportunity. Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

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