Senior Product Manager

About the Role

Clutch is on a mission to transform Credit Unions into fintechs — helping them deliver digital experiences that rival the best banks and lenders in the world.

As the Senior Product Manager for the Underwriting team, you’ll own a critical pillar of that mission: enabling credit unions to automate their loan decisioning process. You’ll define product strategy in close partnership with Engineering while also serving as a product champion alongside Sales and other GTM partners.

This role operates at the intersection of lending operations, automation, and platform capabilities, with a direct mandate to help launch and scale our automated underwriting. It’s best suited for someone with lending experience and a strong 0→1 track record who is motivated by driving meaningful, real-world outcomes.

About the Team

You’ll join a high-talent density Product & Engineering org with a culture of ownership, speed, and judgment. PMs here work shoulder-to-shoulder with engineers and GTM peers, driving clarity and tough tradeoffs instead of waiting for direction.

This is a pivotal moment at Clutch. We’re on a strong growth trajectory, and how we scale our lending offerings over the next 12 months will play a major role in building durable leverage across the company.

What You’ll Do

Within 3 months, you will:

• Develop a deep understanding of our underwriting architecture, including current capabilities, limitations, and tradeoffs

• Build strong working relationships across Engineering, Sales, and other business partners

• Take ownership of prioritization across foundational platform work and customer-driven needs

Within 6 months, you will:

• Pilot a new product offering or feature with your first credit union

• Define and communicate a clear product strategy and roadmap for underwriting automation

• Partner with Sales to define how underwriting automation drives customer lifecycle value, including land-and-expand opportunities across multiple lending products

Within 9 months, you will:

• Demonstrate measurable improvements in automation rates, time-to-decision, and straight-through processing outcomes for live customers

• Establish our loan policy engine as a focused, opinionated product rather than a generic decisioning layer

• Influence longer-term platform and architecture decisions based on real customer usage and outcomes

What You’ll Bring

• Strong product ownership mindset, with a track record of delivering 0→1 products in ambiguous environments

• The ability to balance foundational platform investments with shipping customer-impacting features

• Experience in lending, banking, or underwriting-adjacent domains

• Strong cross-functional leadership skills, with experience in influencing without direct authority

• Clear, opinionated thinking paired with the flexibility to adapt as new information emerges

• 5+ years of Product Management experience in a fast-paced environment, preferably in SaaS and/or fintech

Please note that this role may evolve as our business needs change, so we appreciate your flexibility and adaptability.

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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A Note About AI at Clutch
We love AI. We use it often and encourage our team to creatively and effectively leverage AI tools in their work. If you join Clutch, we hope you'll bring the same enthusiasm for exploring how AI can amplify impact, productivity, and innovation.
That said, during the interview process, we want to hear your thoughts. Please approach interviews without the use of AI tools—our goal is to get to know how you think, solve problems, and communicate. Once you're in the seat, bring on the prompts!