At EZCORP we are a growing team focused on creating and changing the pawn industry as we know it today. We believe that our platform enabled lending and e-commerce solutions will revolutionize our ability to attract, engage and service our customers across the United States, Mexico and Latin America.
Join us now for an opportunity to be a part of a team that wants to provide access to short-term cash for every person – everywhere!
The Company:
Founded in Austin in 1989, EZCORP has grown into a leading provider of pawn loans in the United States, Mexico and Latin America. We are dedicated to satisfying the short-term cash needs of consumers who are both cash and credit constrained and providing an industry-leading customer experience.
What’s in it for you:
Ground Floor opportunity with EZCORP, a company with a start-up, purpose-driven mentality where innovative and agile problem solving are part of our DNA along with competitive compensation and benefits.
Address:
GuatemalaThe Lending Product Manager is a strategic role responsible for defining the vision, roadmap, and value of the company’s lending products, while iteratively adapting to customer feedback and market changes. This role owns the performance of lending, measured by Net Revenue ROI across all customer segments (“buckets”), and leads the strategy of HOW we lend: ALG (automatic lending guidance) ranges, the CQI (Customer Qualification Index) model and its objective function, and the point-of-sale (POS) user interface for lending decisions. AI is foundational to this role: the Lending Product Manager partners with Data Science to deliver AI-driven lending models — including the CQI model and the Team Member Qualification Index (TQI) — and champions AI adoption across the lending function. This role triggers WHEN ALG ranges and CQI logic need to be re-evaluated and identifies WHERE behavioral issues are impacting lending results. This role involves close cross-functional collaboration with Data Science, business stakeholders (Earning Assets), POS development, field operations, and executive leadership to identify lending opportunities, validate them through controlled pilots, and operationalize lending improvements at scale.
ESSENTIAL DUTIES & RESPONSIBILITIES:
- Own the performance of lending, measured by Net Revenue ROI across all customer segments (buckets), drop rate, behavior by segment, share of loans within guidance, and the lending side of pricing-change tripwires (automated alerts linking pricing changes to lending outcomes).
- Lead the strategy of HOW we lend: ALG (automatic lending guidance) ranges, the CQI (Customer Qualification Index) model and its objective function, and the point-of-sale (POS) user interface for lending decisions.
- Trigger WHEN ALG ranges and CQI logic need to be re-evaluated based on portfolio performance.
- Identify WHERE behavioral issues are impacting lending results and drive corrective action with field operations.
- Define the vision, roadmap, and requirements for AI-driven lending products, translating model performance into business outcomes and championing AI adoption across the lending function.
- Partner with Data Science to redesign and improve the CQI pilot and testing methodology for the US, including pilot launch and monitoring.
- Partner with Data Science to redesign and improve the CQI pilot and testing methodology for Latam, including pilot launch and monitoring.
- Lead the review and optimization of current ALG ranges.
- Partner with Data Science to model the Team Member Qualification Index (TQI), defining requirements and the POS development dependencies needed to pilot it.
- Build lending experimentation and monitoring infrastructure with Data Science — pilot design, testing methodology, trigger logic, and performance tracking.
- Define POS UI requirements for lending decisions and work with product and POS development teams to deliver them.
- Collaborate with the Pricing Product Manager and Earning Assets on tripwires connecting pricing changes to lending outcomes.
- Effectively communicate lending performance, planned changes, and expected business impact to business and executive stakeholders.
- Collaborate with executives to guide data-driven lending decisions and AI adoption.
- Manage multiple priorities across a mix of ad hoc requests and projects.
EDUCATION & EXPERIENCE:
- Bachelor’s degree in Business, Economics, Finance, Engineering, Computer Science, or related field; MBA or advanced degree preferred.
- 7+ years of product management experience, including ownership of data-driven or AI-powered products.
- Proven experience partnering with data science teams to build and ship ML, AI, or Gen AI products end-to-end.
- Technically hands-on: working SQL and Python — able to self-serve analysis, query data directly, and validate model outputs.
- Demonstrated practical use of AI tools (Claude Code, Claude, or similar LLM tools) in daily work — AI fluency is critical to how this team operates.
- Experience in consumer lending, credit risk, underwriting, or decisioning models strongly preferred.
- Experience designing and running pilots and experiments (testing methodology, monitoring, causal measurement) to validate product changes.
- Pawn, fintech, or specialty finance industry experience a plus.
EZCORP is an Equal Opportunity Employer
Skills Required
- Bachelor's degree in Business, Economics, Finance, Engineering, Computer Science, or related field
- 7+ years of product management experience, including ownership of data-driven or AI-powered products
- Proven experience partnering with data science teams to build and ship ML, AI, or Gen AI products end-to-end
- Technically hands-on with SQL and Python; able to self-serve analysis and validate model outputs
- Demonstrated practical use of AI/LLM tools (Claude, Claude Code, or similar) in daily work
- Experience designing and running pilots and experiments (testing methodology, monitoring, causal measurement)
- MBA or advanced degree
- Experience in consumer lending, credit risk, underwriting, or decisioning models
- Pawn, fintech, or specialty finance industry experience
EZCORP Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about EZCORP and has not been reviewed or approved by EZCORP.
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Affordable Benefits — Employee-only medical premiums are often covered at no cost, with medical, dental, and vision included as standard options. This lowers out-of-pocket burden for individuals and stands out within the package.
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Leave & Time Off Breadth — Offerings include PTO, paid holidays, volunteer time, and parental leave. The breadth provides multiple avenues for time away beyond basic vacation.
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Wellbeing & Lifestyle Benefits — Perks include employee merchandise discounts and structured training programs alongside core benefits. Such additions enhance day-to-day value beyond base pay.
EZCORP Insights
What We Do
Formed with 16 pawn stores in 1989, EZCORP has grown into a leading provider of pawn loans in the United States and Latin America. At our pawn stores, we also sell merchandise, primarily collateral forfeited from pawn lending operations and used merchandise purchased from customers. We are dedicated to satisfying the short- term cash needs of consumers who are both cash and credit constrained and providing an industry-leading customer experience. We provide numerous convenient options to obtain short-term cash, including non-recourse pawn loans collateralized by personal property. We also sell pre-owned merchandise to consumers seeking good value. Headquartered in Austin, Texas, EZCORP is traded on NASDAQ under the ticker symbol EZPW. We want you to join us for a career – not a job. At EZCORP we are looking for Team Members to lead the way today and to step into greater roles tomorrow. When you bring us your passion for service excellence, we’ll provide development and career paths to enhance your skills in a fun and fast paced environment that comes with competitive pay, generous bonus potential and great benefits! At EZCORP, we are committed to fostering an environment that values diversity, inclusion, and development for all. This commitment includes providing equal access to, and participation in, employment opportunities, programs, and services without regard to race, creed, religion, color, national origin, disability, gender, sexual orientation, gender identity, veteran status, or age. We celebrate our Team Members’ differences, experiences, and beliefs. Our dedication to promoting diversity, inclusion and equal opportunity is critical to ensuring that EZCORP can attract and retain talent with the skills and abilities to lead the way today and to step into greater roles tomorrow.
