Senior Product Manager

Senior Product Manager — AI-Powered Credit Underwriting

About Scienaptic

Scienaptic is the world’s leading AI-powered credit underwriting platform. Built with seasoned Chief Risk Officers, our platform delivers higher approvals (15–40%) and lower credit losses (10–25%) with full regulatory explainability. In the past year alone, we helped financial institutions evaluate 45M+ consumers and extend credit to 15M+ people. Our customers span Fortune 100 banks, community banks, and fintechs across multiple countries.

The role

We’re hiring a Senior Product Manager to own strategy and end-to-end delivery for Scienaptic’s digital credit underwriting products and upstream integrations with Loan Origination Systems (LOS). You’ll define the multi-quarter roadmap, drive cross-functional execution with Engineering, Data Science, and GTM, and ship products that materially improve approval rates, loss outcomes, and operational efficiency for lenders.

What you’ll do

• Set strategy & outcomes:

  Define vision, north-star metrics, and a multi-quarter roadmap for AI/ML underwriting and LOS integrations; align execs and partner teams.

• Lead discovery:

  Partner with customers (underwriters, risk analysts, credit ops, compliance) to frame problems, validate hypotheses, and translate insights into clear product requirements and narratives/PRDs.

• Ship platform capabilities:

  Drive standard product features and reusable components (requirements, functional/technical specs, usability, integration patterns) that scale across consumer and SME lending.

• Own delivery:

  Run prioritization and sequencing; break strategy into epics/stories; collaborate daily with Engineering and Data Science in a scrum/kanban process to launch high-quality releases.

• Instrument & iterate:

  Define success metrics and telemetry; design experiments; analyze lift (approvals, losses, time-to-decision) and continuously refine models, policies, and workflows.

• Integrations & ecosystem:

  Establish and evolve common integration requirements with LOS and data providers; reduce time-to-implement through standards, SDKs, and documentation.

• Market & competitive insight:

  Track credit risk trends, regulatory developments, and competitor moves; translate insights into roadmap choices.

• Go-to-market partnership:

  Coordinate launches with Sales, Marketing, and Professional Services; contribute to pricing/packaging, solution playbooks, and enablement.

• Customer experience:

  Champion a user-centric UX that drives adoption and stickiness across stakeholders (underwriters, risk, analytics, and executives).

• Raise the bar:

  Mentor PMs/associates and improve product rituals, decision quality, and execution velocity.

What you’ve done (requirements)

• 8+ years

  of product management (or equivalent), with

  3+ years owning a complex B2B platform or data product

  end-to-end.

• Domain expertise

  in consumer or SME lending with exposure to

  digital underwriting and LOS

  ecosystems.
• Proven record shipping ML- or rules-driven decisioning products with measurable business impact (e.g., approval lift, loss reduction, Ops efficiency).
• Strong product discovery toolkit (user research, JTBD, problem framing, experiment design) and

  exceptional written communication

  (clear specs, narratives, and stakeholder docs).
• Analytical fluency—comfortable with metrics, dashboards, and basic SQL/BI; able to define instrumentation and experimentation.
• Technical depth to collaborate on APIs, data models, scoring policies, and system trade-offs (no need to code, but you can reason about complexity and risk).
• Experience leading cross-functional teams and resolving complex prioritization across executives, GTM, Delivery/PS, and Engineering.

Nice to have

• Experience with

  model governance and regulatory explainability

  in credit (e.g., reason codes, adverse action workflows).
• Background in

  pricing/packaging

  and commercial strategy for enterprise SaaS.
• Platform/ecosystem chops (developer docs, SDKs, integration frameworks).

Location & benefits

• Location:

  [Remote/Hybrid]

• Compensation:

  Competitive salary, bonus, and equity.

• Benefits:

  Comprehensive health benefits, retirement plan, and professional development support.

Equal Opportunity

Scienaptic is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.