Director, Product Management (Digital Experiences)

Achieve · San Mateo · $220,000–$250,000 (stated in the posting)

Company Description

Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include debt consolidation, personal loans, home equity loans, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and empathetic touch. We put people first and treat them like humans, not account numbers.

The fintech industry is large and growing. Over $11T in home equity is sitting untapped across US homeowners - most haven’t borrowed against it yet, while personal loan balances just hit a record $276Bn from four years in a row of growth, with no signs of slowing. Consumers continue to face mounting debt. Credit card delinquencies are up 38%, leading to more demand for debt relief services. Achieve continues to support members and meet them wherever they are on their journey. Since 2002, Achieve has grown into one of the largest private consumer fintech unicorns in the U.S., with over $57B in enrollments for our industry-leading, tech-enabled debt resolution services business, and over $16Bn in personal and home loans originations.

Job Description

Achieve is seeking an innovative, talented Director, Product Management to spearhead the digital acquisition and service experiences for our acquisition & loan servicing flows across all Achieve Lending product lines. This is a high-visibility, Player/Coach position with leadership responsibilities for a team of PMs. You will refine and execute on the overarching digital experience vision, while maintaining the technical depth and hands-on drive required to step directly into the engineering, data, user research, and product squads and drive execution when complex delivery challenges arise.

What You’ll Do

Refine Strategic Vision for Digital Experience: multi Own the long-term vision, strategy and integrated roadmap for the Digital Acquisition & Loan Servicing Portal across all Achieve Lending Products (Personal Loans and HELOCs), including integration of AI agents and tools.
High-leverage Execution as Player/Coach: Lead multi-functional product squads at a strategic level while staying close enough to architecture, backlog, and technical specs to step in as a hands-on technical product leader during critical delivery phases.
Design Integrated Acquisition, Origination, & Servicing Journeys: Standardize and unify digital onboarding, origination, automated decisioning, document collection, and post-origination servicing into a seamless, high-conversion experience, while ensuring a seamless transition between consumer self-serve and human assisted experiences.
Optimize Funnel & Retention Metrics: Relentlessly analyze user behavior and funnel metrics to drive conversion, self-service loan management, and referrals and cross-sell/refinancing opportunities.
Personalize Consumer Engagement: Drive full funnel conversion by expanding omnichannel tools to engage consumers however they prefer to be engaged, including AI tools and integrations.
Lead Cross-Functional Collaboration: Partner with Engineering, Marketing, Enterprise Product Management, Credit Risk, Legal, Compliance, Sales and Operations to deliver scalable, compliant products on time.
Grow Capability & Bench Strength: Coach, mentor, and develop a team of Product Managers, establishing clear career pathways and elevated execution standards across the department.

Qualifications

What You’ll Bring

Experience: 10+ years of proven product management experience delivering complex, consumer-facing digital products, with at least 3–5 years in a Product Leadership capacity. with a Bachelor's degree in a related field or equivalent practical experience.
FinTech & Lending Domain Expertise: Deep domain expertise in consumer lending (Personal Loans, Mortgages/HELOCs, or debt consolidation/acceleration). Direct experience with Loan Origination Systems (LOS), servicing platforms, digital underwriting, and credit bureau integrations.
Multi-Product Cross-Selling: Proven success consolidating fragmented product flows into a seamless digital experience with effective cross-selling capabilities to match consumers with the best possible product.
Technical Acumen & Hands-On Leadership: Strong technical depth with the ability to review API documentation, participate in architectural discussions, write detailed specifications, and lead technical execution squads directly when needed.
Cutting Edge Engagement Channels: Incessant search to push our digital experiences into new channels to provide a best-in-class consumer experience, meeting all consumers where they prefer (digital, phone, SMS, email, AI)
Regulatory & Compliance Knowledge: Robust understanding of lending compliance and regulatory requirements.
Analytical & Strategic Rigor: Demonstrated ability to leverage product analytics, A/B testing methodologies, and conversion rate optimization frameworks to guide strategic decisions.

Achieve Leader Model Expectations (Director Level)

In accordance with Achieve’s Lead Forward Rubric, this Director position requires demonstrated excellence across four foundational leadership pillars:

1. Trusted, Steady Leadership

Maintains composure and steady communication during high-pressure pivots. Instills trust across teams through consistency, fairness, and transparent communication. Bridges the competing stakeholder priorities, using credibility and relationships to align divergent teams around shared goals.

2. Focused & Agile

Sets high-impact objectives that streamline cross-team execution and remove low-value work. Actively leads teams through change by providing context, engaging managers, addressing resistance, and adjusting plans as needed. Navigates complex ambiguity with confidence, evaluating options and providing sufficient clarity for teams to act while remaining flexible.

3. Own the Outcome

Drives consistently high performance through disciplined execution and clear, transparent accountability practices. Standardizes core cross-team workflows so execution remains dependable without relying on crisis management or individual heroics. Actively identifies where workflows break down between managers, replacing manual workarounds with repeatable, scalable procedures.

4. Grow People & Capability

Identifies key talent, holds managers accountable for developing their teams, and supports active coaching. Drives strong leadership development across teams and builds capable managers. Invests in coaching, feedback, and growth opportunities to elevate capability and consistency across the function.

Additional Information

Achieve well-being with:

Hybrid and remote work opportunities
401 (k) with employer match
Medical, dental, and vision with HSA and FSA options
Competitive vacation and sick time off, as well as dedicated volunteer days
Access to wellness support through Employee Assistance Program, Talkspace, and fitness discounts
Up to $5,250 paid back to you on eligible education expenses
Pet care discounts for your furry family members
Financial support in times of hardship with our Achieve Care Fund
A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

Note: We will be unable to facilitate H1-B Visa transfer or sponsorship, along with STEM-OPT Visa.

Work from home/hybrid:

We are proudly offering hybrid options in the Phoenix, AZ and San Francisco, CA metro market. We are offering 100% remote work in other approved PST, MST, CST locations.

Salary Range: $220,000 to $250,000 salary + bonus + benefits.

This information represents the expected salary range for this role. Should we decide to make an offer for employment, we'll consider your location, experience, and other job-related factors.

Join Achieve, change the future.

At Achieve, we’re changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you’ll get to be a part of their journey to a better financial future. We’re proud to have over 3,000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work-from-home opportunities every day to better serve our members. A career at Achieve is more than a job—it’s a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.

Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve’s Talent Acquisition leader.

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