Lead Product Manager, Digital Account Opening

About the Role

We are seeking a Product Maturation Lead to lead our Digital Account Opening (DAO) product line and elevate how we scale solutions across the consumer banking suite. This role blends product leadership with cross-functional orchestration, ensuring we not only solve immediate customer issues but also build repeatable patterns that reduce complexity, accelerate implementation, and maximize long-term platform performance.

About the Team

You’ll be part of the broader Consumer Banking Product team, working closely with Product Managers, Engineering, Design, Implementation, Support, and Customer Success. Your role is the connective tissue across these groups, transforming reactive one-off requests into scalable patterns. You’ll also mentor PMs, helping them move from firefighting into pattern-driven product development that delivers sustained customer outcomes.

What You’ll Do

Within 3 months, you will:

• Audit current tickets, implementations, and DAO funnels.

• Publish the Top 10 Patterns and an initial decision rubric for one-offs.

• Begin coaching PMs on pattern-driven development and cataloging “golden paths.”

Within 6 months, you will:

• Launch the Golden Config Library and sandbox harness.

• Define the DAO Health Score (conversion, funding, abandonment, NIGO, activation) and set alerts.

• Pilot the Maturation Review with 2–3 institutions alongside Customer Success.

• Establish a Product Patterns Catalog with reusable templates and frameworks.

Within 9 months, you will:

• Deliver at least two platform-level pattern releases (e.g., Tracking Records Framework, Eligibility Engine v1).

• Achieve a >30% reduction in median implementation time.

• Embed systemic processes for handling one-off client requests (triage taxonomy, decision rubric, intake loops).

• Partner with CS to improve post-launch outcomes quarter-over-quarter.

What You’ll Bring

• 7+ years of product management experience, ideally in fintech, SaaS, or enterprise platforms.

• Proven ability to scale product lines from one-off solutions to reusable frameworks.

• Strong cross-functional leadership, able to partner with Engineering, Design, Implementation, Support, and CS.

• Track record of mentoring PMs and elevating product craft.

• Comfort with complex technical domains (e.g., banking cores, integrations, rules engines).

• Analytical and data-driven mindset, with experience building metrics frameworks and feedback loops.

• Excellent communication skills, able to translate complexity into clarity for both internal teams and customers.

What’s In It For You?

• Remote Flexibility: Enjoy the freedom of remote work from anywhere, balancing life and career seamlessly.

• Unforgettable Off-Sites: Twice a year, bond with colleagues in exciting destinations, fostering teamwork and fresh ideas.

• Paid Time Off: Enjoy flexible PTO days yearly for relaxation and rejuvenation.

• Stock Options: Joining us means having a stake in our success, so you'll receive stock options as part of your compensation package.

• Home Office Setup: Create your ideal workspace with a dedicated budget for home office essentials.

• Work Trip Budget: Grow personally and professionally with a budget for work-related trips and co-working.

• Health Coverage: Prioritize your well-being with comprehensive health and dental insurance plans.

About Us

Clutch is a revolutionary vertical SaaS company, proudly backed by Andreessen Horowitz (A16z), aimed at revolutionizing the way Credit Unions engage and change the lives of their members. As a champion of financial well-being, we address the urgent need for affordable lending solutions in an era where the average American grapples with over $155,000 in household debt. Unlike traditional financial institutions, Clutch develops software to turn Credit Unions into FinTech lenders and leverage their balance sheets to responsibly lend to over 130M Americans. Our mission extends beyond mere financial transactions; we strive to fundamentally enhance the way credit unions interact with their members. By integrating cutting-edge technologies and user-centric designs, we help credit unions provide seamless digital experiences that are on par with leading tech companies. This approach not only preserves but revitalizes the longstanding tradition of community and member-focused service inherent to credit unions.

Clutch is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

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