Product Manager, Direct Consumer Lending

Please reference the schedule and minimum qualifications listed below before applying.

If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email macurecruiting@macu.com and every reasonable effort will be made to accommodate your needs in a timely manner.

Job Summary

The Product Manager, Direct Consumer Lending, is responsible for the strategy, design, and ongoing management of products and capabilities supporting Consumer Lending at Mountain America Credit Union.

Job Description

LOCATION

Hybrid - Mountain America Center

9800 S. Monroe Street

Sandy, UT 84070

SCHEDULE

Full Time

To be effective, an individual must be able to perform each job duty successfully.

• Define and execute product strategy and roadmap aligned to consumer lending and enterprise priorities.
• Own the full product lifecycle from discovery and business case development through delivery and ongoing optimization.
• Translate consumer, business, and operational needs into clear product requirements, user stories, and prioritized backlogs.
• Partner cross-functionally with Consumer Lending, Indirect Lending, Operations, Risk, Compliance, Technology, and Data teams to deliver solutions.
• Collaborate with Data and Analytics teams to define data requirements, validate insights, and enable effective reporting.
• Leverage data analytics tools and dashboards to assess loan performance, member behavior, credit trends, and operational efficiency.
• Define and monitor key performance indicators related to loan growth, portfolio quality, utilization, cycle times, and risk performance.
• Prioritize enhancements that improve member experience, digital adoption, approval rates, and operational scalability.
• Ensure product alignment with consumer lending regulations, internal policies, credit risk frameworks, and compliance standards.
• Drive continuous improvement initiatives across the lending lifecycle including application, underwriting, funding, servicing, and collections of touchpoints.
• Communicate product roadmap, priorities, and performance clearly to stakeholders and senior leadership.

Knowledge, Skills, and Abilities

The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential job functions.

Experience

• 6 years of experience in product management with at least 3 years owning or supporting product lifecycle activities including strategy, delivery, and performance optimization.

• Experience working with consumer loan products such as auto, personal, credit card, or home equity lending - preferred.

• Experience using data, reporting, and analytics to inform product decisions, measure outcomes, and identify opportunities for improvement.

Education

• Bachelor's degree in business, finance, technology, or related field OR three additional years combined experience in a progressive product management setting.

Licenses, Certifications, Registrations

• Certified Product Manager Certification preferred.

Computer and Technology Skills

• Advanced proficiency in Microsoft Office tools (Excel, PowerPoint), with the ability to automate tasks and generate executive-level insights.
• Fluent in using data visualization and reporting platforms (e.g., Power BI, Tableau) for performance tracking and decision support.
• Familiarity with consumer lending systems, loan origination systems (LOS), servicing platforms, and digital lending tools.
• Experience leveraging data analytics and emerging technologies (including AI-enabled tools) to enhance product performance and member insights.
• Strong ability to interpret data across multiple systems, including cloud-based platforms and APIs.
• Working knowledge of Agile project management tools (e.g., Jira, Azure DevOps) and process documentation tools (e.g., Visio, Lucidchart).

Language Skills

• Demonstrated ability to clearly express ideas, methodology, results and recommendations verbally, in writing and through insightful reports and graphic illustrations
• Demonstrated ability to document outcomes and present information in a manner appropriate for key stakeholders and all levels of the organization.

Other Skills and Abilities

• Solid understanding of product management practices, including product lifecycle, delivery, and continuous optimization.
• Working knowledge of business banking, lending products, and related systems (preferred).
• Ability to translate business needs into clear product requirements, user stories, and actionable priorities.
• Demonstrated ability to use data and analytics to inform decision-making, measure outcomes, and drive product improvements.
• Proficiency in data analysis tools (e.g., Excel, dashboards, or visualization platforms) with the ability to interpret, validate, and apply data insights.
• Strong collaboration and communication skills, with the ability to effectively engage stakeholders across varying levels, teams, and communication styles.
• Ability to manage multiple priorities, balance competing demands, and execute with a high degree of independence.
• Proven problem-solving skills with a proactive mindset to identify opportunities, improve processes, and enhance efficiency.
• Understanding performance measurement, including defining and tracking KPIs, tied to growth, utilization, efficiency, and member experience.
• Ability to contribute to product outcomes that support business growth, operational effectiveness, and service delivery.

PHYSICAL ABILITIES / WORKING CONDITIONS

Physical Demands

Ability to sit, talk and hear consistently

Ability to stand, walk, and use hands to handle or reach occasionally

Vision Requirements

Close vision (clear vision at 20 inches or less)

Distance vision (clear vision at 20 feet or more)

Weight Lifted or Force Exerted

Ability to lift to 10 pounds occasionally

Environmental

There are no unusual environmental factors (such as a typical office)

Noise Environment

Moderate noise (business office with computers and printers, light traffic)

#LI-FW1

Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.