Job Description

Varo is an entirely new kind of bank. All digital, mission-driven, FDIC insured and designed for the way our customers live their lives. A bank for all of us.

We're looking for a Senior Product Manager to drive the vision, strategy, and execution of our consumer lending products. In this role, you'll own the full product lifecycle, from ideation to launch and optimization, collaborating with cross-functional teams like Engineering, Credit Risk, and Marketing to deliver innovative digital lending experiences.

• Own Product Strategy & Roadmap: Define and champion the strategy and roadmap for key consumer lending products (e.g., Personal Loans, Lines of Credit), aligning with company goals and risk appetite
• Drive Product Development: Lead the end-to-end product development process, from requirements gathering and prioritization to launch and post-launch optimization
• Leverage Insights: Conduct market research and customer analysis to identify opportunities and inform product improvements
• Ensure Performance & Compliance: Define KPIs, monitor product performance, and integrate robust risk management and regulatory compliance throughout the product lifecycle
• Collaborate Cross-functionally: Serve as the central point of contact for Engineering, Credit Risk, Compliance, Operations, and Marketing to ensure seamless product delivery
• Foster Innovation: Identify new features, design experiments (A/B testing), and leverage technology to enhance underwriting and customer experience

• 5-7+ years of product management experience, with at least 3 years in consumer lending or FinTech
• Proven success in launching and growing digital lending productsDeep understanding of the consumer lending lifecycle, credit risk principles, and risk analytics
• Experience working with engineering and data teams in an agile environment
• Strong analytical, problem-solving, and communication skills
• Bachelor's degree in Business, Finance, Economics, Computer Science, or a related field
• Preferred: Experience with cash flow underwriting, alternative data, modern loan management systems, regulatory compliance (Reg Z, Reg E, UDAAP), and A/B testing

$130,000 - $190,000 a year

For cash compensation, we set standard ranges for all US-based roles based on function, level, and geographic location, benchmarked against similar-stage growth companies. Per applicable law, the salary range for this role is $130,000 - $190,000. Final offer amounts are determined by multiple factors as well as candidate experience and expertise and may vary from the identified range.

This role is also eligible for a bonus, equity, and competitive benefits.

We recognize not everyone will have all of these requirements. If you meet most of the criteria above and you’re excited about the opportunity and willing to learn, we’d love to hear from you!

About Varo

Varo launched in 2017 with the vision to bring the best of fintech into the regulated banking system. We’re a new kind of bank – all-digital, mission-driven, FDIC-insured, and designed around the modern American consumer.

As the first consumer fintech to be granted a national bank charter in 2020, we make financial inclusion and opportunity for all a reality by empowering everyone with the products, insights, and support they need to get ahead. Through our core product offerings and suite of customer-first features, we aim to address a broad range of consumer needs while profitably serving underserved communities that have been historically excluded from the traditional financial system.

We are growing quickly in our hub locations of San Francisco, Salt Lake City, and Charlotte along with colleagues located across the country. We have been recognized among Fast Company’s Most Innovative Companies, Forbes’ Fintech 50, and earned the No. 7 spot on Inc. 5000’s list of fastest-growing companies across the country.

Varo. A bank for all of us.

Our Core Values

- Customers First

- Take Ownership

- Respect

- Stay Curious

- Make it Better

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Varo is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds, perspectives, and skills. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

Beware of fraudulent job postings!

Varo will never ask for payment to process documents, refer you to a third party to process applications or visas, or ask you to pay costs. Never send money to anyone suggesting they can provide work with Varo. If you suspect you have received a phony offer, please e-mail careers@varomoney.com with the pertinent information and contact information.

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