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Product Line Manager, Lending Solutions (Sponsor Bank)

Remote

We are a hybrid, remote-office company dedicated to growing our talent anywhere!

We have onsite locations in: Sioux Falls, SD,  Scottsdale, AZ,  Louisville, KY,  Troy, MI,  Franklin, TN,  Easton, PA.

At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™. We are a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all.  We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products.

We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success.  We celebrate, and embrace, our team members through our *HUMBLE*HUNGRY*SMART approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve. 

About the Role:

We’re seeking a Product Line Manager to own the strategy, governance, and commercialization of our commercial and consumer lending product portfolio offered through Sponsor Bank partnerships. You will set the product guidelines, drive new solution launches end‑to‑end, optimize existing offerings, and ensure alignment with risk, compliance, and operational excellence. This role is ideal for a builder who thrives at the intersection of credit, payments, fintech partnerships, and regulated bank programs.

What You Will Do:

Product Strategy & Ownership

  • Define and maintain the product line strategy across consumer and small business lending products (e.g., installment loans, lines of credit, charge cards, hybrid debit/credit constructs, and embedded credit features).
  • Create and steward Product Guidelines (eligibility, pricing, fees, underwriting guardrails, customer experience standards, servicing/collections, account lifecycle rules).
  • Build product roadmaps based on customer feedback and industry analysis.

Commercialization & GTM

  • Lead end‑to‑end commercialization: business case, positioning, value proposition, packaging, channel enablement, launch playbooks, and sales collateral.
  • Partner with program managers, fintechs, processors, and networks to shape compelling sponsor‑backed lending solutions.
  • Orchestrate cross‑functional launch squads (Sales, Marketing, Legal/Compliance, Risk, Credit, Operations, Technology).

Governance & Compliance

  • Maintain product controls with Risk/Compliance: regulatory implications, operating procedures, change management, and control evidence (disclosures, policy references, testing outcomes).
  • Ensure product designs meet applicable Reg Z, UDAAP principles, fair lending, data privacy, servicing and collections standards, and applicable Reg E touchpoints when the lending product interacts with asset accounts (e.g., card‑accessed hybrid features).
  • Drive issue management and root‑cause remediation for product, servicing, and customer outcomes; manage product audits/exams in partnership with Compliance.

Partnerships & Stakeholder Leadership

  • Serve as product SME to Sales for opportunity shaping; co‑author proposals and RFP responses.
  • Align with Technology on build/buy/partner decisions; author epics/user stories; ensure high‑quality product requirements and traceability to controls.
  • Represent the product line in steering committees and risk councils; present updates to senior leadership.

What You Will Need:

  • 7+ years in Product Management, Product Strategy, or Credit/Lending Product roles within a regulated financial institution or fintech partnership model.
  • Hands‑on experience launching and scaling lending products (consumer or SMB), including underwriting collaboration, pricing, servicing, and lifecycle management.
  • Proven ability to build product guidelines/policies and to lead commercialization across cross‑functional teams.
  • Strong grasp of bank program operations and partner ecosystems (processors, networks, fintech platforms).
  • Demonstrated familiarity with U.S. regulatory frameworks relevant to lending (e.g., Reg Z, fair lending, UDAAP) and operational touchpoints (e.g., Reg E when the access device interacts with asset accounts, privacy, collections standards).
  • Data‑driven decision maker with competency in building business cases, reading credit performance metrics, and presenting executive‑level recommendations.

Preferred (Nice to Have)

  • Experience in Sponsor Bank models, BIN sponsorship, or embedded finance/credit with fintech partners.
  • Exposure to hybrid debit/credit constructs (e.g., card‑accessed LOC features) and commercialization in multi‑party arrangements.
  • Familiarity with statement/disclosure design, marketing compliance review, and model risk management practices.
  • Strong network in agent banks, program managers, networks (Visa/Mastercard), and core processors.

Competencies

  • Exceptional Communication Skills: Ability to clearly articulate complex concepts to diverse audiences- executives, technical trams, partners, and clients- through concise written documentation, compelling presentations, and confident verbal delivery.
  • Strategic Thinking & Execution: Converts vision to tangible outcomes.
  • Regulatory Acumen: Navigates complex rules; designs compliant customer journeys.
  • Cross‑Functional Leadership: Influences without authority; excellent communication.
  • Analytical Rigor: Turns data into insights and action.
  • Customer‑Centricity: Builds intuitive, fair, and transparent products.
  • Operational Excellence: Strong process design, documentation, and risk controls.

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range: $86,000 – $145,000

 
The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.
This role is also eligible for an annual performance-based incentive opportunity.  Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

#LI-Remote

 

Don’t have everything listed under qualifications? If you’re excited about this role but your experiences don’t match exactly to everything in the posting, we encourage you to apply anyway. You may be just the right candidate for this or other Pathward roles. Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.

Who we are: 

Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve. 

We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.

Please click here to learn more about our benefits and review information about our Privacy Policy, Affirmative Action Plan and other notices. Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. For assistance completing an application, please contact a Pathward People & Culture Representative by emailing – careers@pathward.com

Please click here to view Pathward's Applicant Privacy Notice.

Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.

Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.

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We encourage you to be cautious of hiring scams that impersonate Pathward. Copy and paste the following URL into your browser to learn more: https://www.pathward.com/about-us/people-culture/careers/

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