Job description
Founded in 2017, NinjaHoldings works to give everyday Americans better access to financial services than traditional institutions typically provide. Through our CreditNinja and NinjaCard brands, we offer digital banking and lending products designed for consumers often overlooked, paired with incentives that support long-term financial improvement. Our Edge brand extends this expertise to other companies, providing underwriting, fraud detection, and analytics services. Headquartered in Chicago with a distributed global workforce, we are a lean, growing organization committed to advancing consumer finance in the US.
Job Summary
The Sr. Product Manager will work with the Principal Product Manager of NinjaHoldings. This person will be responsible for driving the initiatives that directly impact key business goals such as loan volume growth and portfolio performance. They will also be responsible for prioritizing the roadmap of the lending business and determining what best meets the business goals while ensuring essential "business as usual" work is not forgotten. They will work directly with many departments such as Marketing, Risk, Engineering, Compliance, and Finance to ensure all are aligned in the pursuit of the key goals.
The right candidate will be analytical - we're a lending business driven by numbers and driving numbers - and technical - to support the design and implementation of scalable solutions. They will be a personable Type A personality - success requires working with and through other teams on complicated and complex projects. They will be able to move quickly from big picture thinking to detail-oriented thinking.
Key Responsibilities:
Manage and prioritize strategic projects in partnership with Risk, Engineering, Marketing, Compliance, Bank Partnerships, and Legal, ensuring alignment with key business outcomes
Translate and clarify technical requirements to ensure readiness for development
Use data to evaluate and communicate project impact, make informed trade-offs, and guide decision-making at the department level
Be the nexus of understanding regarding "how the products work" from the perspective of Risk, Marketing, Engineering, Compliance and Call Center
Own the end-to-end product lifecycle, from discovery and business case development through implementation, launch, monitoring, and optimization
Drive experimentation through A/B testing and data analysis to improve conversion, approval rates, funding, customer outcomes, and portfolio performance
Identify and prioritize opportunities to apply AI/ML across the lending lifecycle (underwriting, fraud, pricing, servicing, collections, customer support) and own delivery from concept to measurable impact
Use AI tools daily in the product workflow - research, requirements drafting, data analysis, prototyping
Ideal Candidate Will Have:
5+ years of product management experience in financial services
Demonstrated success delivering projects that require coordination and alignment of multiple departments
Experience writing requirements for Engineering and other departments
Experience supporting or leading the implementation of decision engines or other technical platforms
Strong ability to determine priority of projects with disparate goals coming from various departments
Strong ability to pitch ideas to department heads through the use of data and strategic thinking
Strong ability to distill the needs of our customers to various departments
Strong analytical ability to determine the impact of projects to a product's success
Expertise in one of the following areas: Risk, Marketing, Software Engineering
Hands-on fluency with AI tools (e.g., LLM assistants, AL coding/analysis tools) in day-to-day product work
Additional Pluses:
Deep experience in consumer lending
Ability to write SQL
Experience working in a startup or as an entrepreneur
Benefits & Perks:
Flexible Paid Time Off
Health Benefits with generous medical, dental and vision insurance plans
401(k) with matching contribution
Paid Family Leave
Annual Wellness & WFH Subsidies
Employee Referral Program
Remote first culture with convenient downtown office in the heart of the city
IMPORTANT NOTICE:
Please carefully review communications to ensure that they are from the official Breezy applicant tracking platform (@breezy-mail.com) or an official NinjaHoldings brand email: @ninjaholdings.com, @creditninja.com, @ninjacard.com, or @edgescore.com. If you have been contacted regarding a job opening at NinjaHoldings from any other email address, including similar email variations, this is NOT a trusted source. We recommend that you refrain from responding to suspicious emails and file a complaint with the FBI's Internet Crime Complaint Center (IC3) at For questions or to confirm the authenticity of a communication, please email hr @ninjaholdings.com.
Salary: $100,000 – $150,000 / yearOriginally posted on Himalayas
Who can apply
Eligible countries: United States. Accepted UTC offsets: UTC-10, UTC-9, UTC-8, UTC-7, UTC-6, UTC-5, UTC+14. Review the full description for employer-specific work authorization, residency and schedule requirements.