Product Manager, Lending

About the role

Chime is seeking a Product Manager for the Lending team based in San Francisco. This role focuses on shaping the lending products and experiences that serve Chime's growing member base across the United States. The Product Manager will work closely with engineering, design, and data teams to define product strategy and deliver meaningful improvements to lending offerings. You will take ownership of key product areas and drive initiatives from ideation through launch and ongoing iteration. The lending product manager plays a critical role in how Chime serves its members' financial needs and helps them build healthier financial lives. You will collaborate with senior leadership to align product priorities with the broader company vision for financial inclusion.

Key facts

What you'll do

Define and execute the product roadmap for lending products at Chime Financial. Partner with cross-functional teams including engineering, design, and data science to ship new lending features. Analyze member behavior and financial data to identify opportunities for lending product improvement. Translate business requirements into clear user stories and acceptance criteria for development teams. Conduct user research and gather feedback to inform lending product decisions. Monitor key performance indicators and product metrics to evaluate the success of lending initiatives. Collaborate with compliance and risk teams to ensure lending products meet regulatory standards. Prioritize features and trade-offs based on member impact and business objectives. Lead product reviews and sprint planning sessions with the lending team. Present product updates and strategy to leadership and stakeholders on a regular cadence. Iterate on existing lending features to improve the member experience and operational efficiency. Work with the data science team to build models that support lending product personalization and risk assessment. Coordinate with marketing and operations teams to ensure successful rollout and adoption of new lending product features.

Requirements

Experience in product management with a focus on financial services or lending products. Strong understanding of consumer banking, credit products, and the lending lifecycle. Ability to work effectively with engineering and design teams in a fast-paced environment. Demonstrated track record of shipping products that have measurable impact on business metrics. Excellent communication skills with the ability to present to both technical and non-technical audiences. Proficiency in defining product requirements and translating them into actionable development tasks. Experience with data-driven decision making and A/B testing methodologies for product validation. Bachelor's degree in a relevant field or equivalent practical experience in product management. Comfortable working in a fast-moving environment where priorities may shift quickly based on business needs and member feedback.

Nice to have

Familiarity with regulatory frameworks that govern consumer lending and financial products. Experience working with machine learning models or automated decisioning systems in lending. Background in building products that serve underbanked or underserved populations effectively. Knowledge of payment processing systems and credit scoring methodologies used in lending. Prior experience with open banking APIs or third-party financial data integrations.

Skills & tools

Product management platforms such as Jira or Aha for roadmap planning, backlog management, and cross-team visibility. Data analysis tools including SQL and analytics platforms for product insights. Prototyping and design collaboration tools like Figma or Sketch for wireframing. Survey and research tools for gathering member feedback and market insights. Spreadsheet and presentation tools for detailed analysis and clear stakeholder communication. Version control and collaboration platforms such as GitHub or Confluence for documentation.

Practical notes

This role is based in San Francisco, CA, USA and requires regular on-site presence at Chime Financial offices in the downtown area. The hiring process includes multiple rounds of interviews with the lending product team and cross-functional partners. Candidates should expect a thorough evaluation of product thinking and financial domain knowledge during the process. Chime is an equal opportunity employer committed to building a diverse and inclusive workplace. The team values transparency, bias reduction, and financial inclusion as core principles guiding all lending product decisions. Applicants should be prepared to share examples of past product launches and the impact they had on member outcomes.

About the company

At Chime, we believe that everyone can achieve financial progress. We created Chime - a financial technology company, not a bank* - on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals.