Principal Product Manager (R14170)

ABOUT OPORTUN Oportun (Nasdaq: OPRT) is a mission-driven financial services company that puts its members' financial goals within reach. With intelligent borrowing, savings, and budgeting capabilities, Oportun empowers members with the confidence to build a better financial future. Since inception, Oportun has provided more than $21.3 billion in responsible and affordable credit, saved its members more than $2.5 billion in interest and fees, and helped its members set aside an average of more than $1,800 annually. WORKING AT OPORTUN Working at Oportun means enjoying a differentiated experience of being part of a team that fosters a diverse, equitable and inclusive culture where we all feel a sense of belonging and are encouraged to share our perspectives. This inclusive culture is directly connected to our organization's performance and ability to fulfill our mission of delivering affordable credit to those left out of the financial mainstream. We celebrate and nurture our inclusive culture through our employee resource groups. Position Overview We are looking for a talented and creative problem solver to join Oportun as a Principal Product Manager for Lending Originations. In this role, you will lead the strategy and development of capabilities that improve the applicant experience, increase new-loan conversion, and support the financial health of Oportun’s members. This is a key product leadership role requiring a strategic thinker with a strong track record of solving complex problems and delivering meaningful business and customer outcomes. You will articulate the product strategy, establish objectives and key results, define a multi-year roadmap, and lead cross-functional teams in delivering best-in-class lending experiences. You will work closely with Engineering, Design, Data, Risk, Fraud, Marketing, Operations, Legal, Compliance, and other partners to identify opportunities, align priorities, and drive execution. The ideal candidate thrives in a fast-paced environment and is passionate about building simple, responsible, and accessible financial products. Responsibilities Product Vision and Strategy Define and communicate a multi-year vision, strategy, and roadmap for Lending Originations. Establish objectives, key results, and performance metrics aligned with company priorities and member needs. Identify and prioritize opportunities to improve application completion, approval, funding, and new-loan conversion. Translate complex customer, business, risk, and operational needs into clear product priorities and scalable solutions. Customer Insights and Experience Maintain a deep understanding of applicant and member needs through user research, data analysis, surveys, experimentation, and feedback loops. Develop frictionless lending experiences that improve applicant satisfaction while supporting responsible lending and regulatory requirements. Identify opportunities to improve both self-service and agent-assisted originations experiences. Product Development and Execution Scope and lead the development of new Lending Originations products, capabilities, and features. Lead high-performing cross-functional teams that include Engineering, Design, Data, Risk, Fraud, Marketing, Operations, Legal, and Compliance. Drive products from discovery and validation through launch, measurement, iteration, and scale. Anticipate obstacles, manage dependencies, and help teams resolve blockers to deliver meaningful value for members and the business. Balance near-term delivery with longer-term platform scalability, reliability, and maintainability. Experimentation and Business Impact Develop and execute experiments across the originations funnel to deliver measurable improvements in application completion, conversion, approval, and funding. Define success metrics and use data to evaluate performance, identify insights, and inform product decisions. Assess trade-offs across member experience, credit risk, fraud risk, operational efficienc…