# Lead Product Manager

**Company**: PayPal
**Location**: New York City, NY
**Work arrangement**: hybrid
**Experience**: senior
**Job type**: full-time
**Salary**: $176,500.00 - $262,350.00 Annually
**Category**: Product Management
**Industry**: Finance

**Apply**: https://paypal.wd1.myworkdayjobs.com/en-US/jobs/job/New-York-City-New-York-United-States-of-America/Lead-Product-Manager--Venmo-Credit-Card-and-Lending_R0138402?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_7f915cec-d79

## Description

Venmo is looking for a Lead Product Manager to own the Venmo Credit Card and lead the development of lending offerings.

This role combines ownership of a scaled consumer credit product with 0-to-1 product development, identifying and validating new ways Venmo can help customers access and manage credit.

**Responsibilities:**

- Inputs to product strategy with cross-functional stakeholders consistent with the shared vision for the product or enabling platform.

- Implements the architectural roadmap that balances innovative design and technical implementation, while balancing regulatory requirements, time-to-market, meeting customer needs and product profitability.

- Controls for the customer experience and customer needs in product requirements and as an input to decision making.

- Monitors metrics that inform the success of products including usability studies, research and market analysis.

- Manages one or more workstreams to include analytics, customer discovery, market research and competitive analysis to drive data-driven decision-making.

- Monitors product profitability measures, including budget.

- Participates in operational mechanisms that drive execution and accountability including Product Reviews, Operating Reviews, and Business Reviews.

- Interfaces with product and technology leadership as needed.

- Partners with content developers, data scientists, product designers and user experience researchers.

**Additional Responsibilities:**

- Own the Venmo Credit Card roadmap across acquisition, activation, engagement, rewards, servicing, and account management.

- Establish business goals with Finance across new accounts, spend, balances, revenue, credit performance, and unit economics, and connect roadmap priorities to those outcomes.

- Lead 0-to-1 lending initiatives, developing and testing product hypotheses based on customer needs, market opportunities, and Venmo's ecosystem.

- Define MVPs, success metrics, experiments, and phased launch plans to validate customer demand and economics before scaling.

- Build business cases for new lending products, including credit loss, funding, and profitability assumptions.

- Partner with Risk, Compliance, and Legal on regulatory requirements and credit and fraud risk considerations.

- Manage product planning and execution with issuing-bank, lending, funding, and technology partners as applicable.

- Partner with Growth and Marketing on go-to-market strategy and with Customer Support and Operations on scalable servicing experiences.

- Contribute to the broader Venmo Cards strategy in partnership with Debit Card and other product teams.

**Requirements:**

- 5+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

**Preferred Qualifications:**

- Product management experience in fintech, payments, consumer financial services, or another regulated consumer product.

- Direct experience with credit cards, consumer lending, installment lending, or buy-now-pay-later products.

- Experience taking a new product or business line from concept through launch.

- Understanding of consumer credit economics, including interchange, interest income, credit losses, customer acquisition cost, and lifetime value.

- Familiarity with underwriting, credit policy, loss forecasting, and portfolio management.

- Experience partnering with a bank, issuer, lender, or other regulated third party.

- Experience using SQL, BI tools, experimentation, or A/B testing to inform product decisions.

- Strong executive communication and demonstrated ability to drive alignment across complex cross-functional teams.

## Skills

### Required
- product management
- credit cards
- consumer lending
- financial services

### Nice to have
- SQL
- BI tools
- experimentation
- A/B testing
- underwriting
- credit policy
- loss forecasting
- portfolio management

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Source: [Apply at paypal.wd1.myworkdayjobs.com](https://paypal.wd1.myworkdayjobs.com/en-US/jobs/job/New-York-City-New-York-United-States-of-America/Lead-Product-Manager--Venmo-Credit-Card-and-Lending_R0138402?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)