Drives product strategy with cross-functional stakeholders consistent with the shared vision for the product or enabling platform. Plans and implements the architectural roadmap that balances innovative design and technical implementation, while balancing regulatory requirements, time-to-market, meeting customer needs and product profitability. Assesses the customer experience and customer needs in product requirements and decision making. Sets up data gathering mechanisms relative to the metrics that inform the success of products including usability studies, research and market analysis. Leads workstreams to include analytics, customer discovery, market research and competitive analysis to drive data-driven decision-making. Oversees product profitability measures, including budget. Plans operational mechanisms that drive execution and accountability including Product Reviews, Operating Reviews, and Business Reviews. Interfaces with product and technology leadership as needed. Partners with content strategists, data scientists, product designers and user experience researchers. Maximizes efficiency in a constantly evolving environment where the process is fluid and creative solutions are the standard. Product Management Own external data platforms as products, ensuring clear value articulation, internal adoption, performance tracking, and lifecycle management. Lead roadmap development for two platforms, working with end users, product and engineering partners, external vendors, and strategy and other partners. Drive acceleration of time to value for external data, enabling rapid evolution of risk policies and rapid development and retraining of ML/AI models. Expand use cases leveraging external data platforms, including across domains, global markets, and innovative new businesses. Ensure access, consumption, and management of external data assets are optimized by working backwards from the customer. Drive innovation in how external data is consumed, including leveraging new AI tools and techniques. Develop, enhance, and expand existing platform which combines internal and external data sources. Lead development of a new platform to support rapid evaluation of new data sources. 8+ years relevant experience and a Bachelor's degree OR Any equivalent combination of education and experience. Experience leading others Build, lead, and develop a small high-performing team. Collaborate cross-functionally with Engineering, Product, Credit Risk, Fraud Risk, Data Strategy, Machine Learning, Artificial Intelligence, Legal, and Compliance teams. Manage partnerships with external vendors to support external data platforms. Experience managing data as a product, including product ownership of data platforms and data products, with a strong grasp of product lifecycle, internal customer needs, go-to-market strategies, and measurement metrics. Ability to assess quality and optimize performance. Experience leveraging credit bureau and alternative data sources to drive business impact in lending or credit risk functions (experience in fraud risk a strong bonus). Experience working in a highly matrixed environment and successfully collaborating with multiple partner teams to deliver meaningful impact. Familiarity with technical considerations of data platforms, including data architecture, pipelines, and governance frameworks. Track record of building and managing a high-performing team and fostering a culture of innovation, accountability, and focus on the customer. Understanding of relevant regulatory environments (e.g., FCRA, ECOA, GLBA, GDPR), especially as they apply to data sourcing and usage. Trusted relationship builder with external data providers and internal stakeholders.
