Senior Product Manager – Credit Risk (Remote)

| Remote
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Who We Are

We are creating the best way to finance clean energy for the home to help combat climate change. Mosaic partners directly with solar and home improvement professionals, who use our simple point-of-sale app to offer financing to their customers. This makes it easy and affordable for families to make energy-efficient upgrades to their homes. Since 2012, Mosaic has funded more than $8 billion in loans through our platform and helped more than 1,000,000 homeowners switch to sustainable solutions. Join us as we work toward our vision of 100% clean energy for all.

Location: We are a remote-first company. This role can be based anywhere in the US.

The Team

The product team at Mosaic is comprised of highly talented and growth-obsessed product managers. We try very hard to be design-minded (not just how it looks but how it works) and human-centered (solve for people, not for features). We have the discipline to put Product Discovery (understand everything about the problem first) ahead of Product Design (define the solution). And the product team cares deeply about Go to Market (enabling our colleagues to rollout, sell, train and support effectively), not just production releases.

The Opportunity

We are looking for a Senior Product Manager to join our team and drive the strategy and development of our Credit Risk and Risk Operations teams. You serve a critical role at the intersection of “Fin” and Tech,” as you will directly partner with credit, finance, and operations stakeholders to lead credit risk initiatives across our product portfolio. This is a high-impact, high-visibility role and you will partner with leaders from all departments of the Company. You serve as the Product Owner within your agile engineering team and are the cornerstone of product success, responsible for defining the work that needs to be completed and prioritizing that work. You are familiar with credit models and risk; you’ve partnered with or been part of credit and risk teams. You’ve built and managed credit risk models and automated underwriting systems. You know how to put together a product roadmap that best serves customers and meets business goals. You understand what an initiative is expected to deliver and why those elements are important -- to customers, to the market, to the organization, and to the tech platform. You are trusted by your engineering team to be the face of the team to all stakeholders and to be the team’s SME and expert guide for risk and compliance.

We’re looking for a product manager who..

  • Lives for building things. You love the development and launch of new products. You (literally) dream about potential solutions and can’t wait to talk things through with your engineering partners.  There’s nothing better than a completed sprint or an initiative launch and customer reaction to your product is one of your greatest motivations.
  • Passionate for risk optimization. Love partnering with Risk, ML, Engineering teams to develop solutions that increase approval rates while maintaining/improving portfolio profitability.
  • Thinks analytically. You deeply understand your domain and you love thinking through problems and the pros/cons of potential solutions. Your teammates respect your business analysis skill set and your superpower of impact analysis.
  • Communicates effectively. You are the ‘Rosetta Stone’ for technical teams and business stakeholders. You know how to efficiently use business stakeholders to get what you need for your product/team. Your vocabulary adapts to the stakeholders you engage with - product, design, engineering, executive team, legal, operations, sales, finance and everyone in between.
  • Works collaboratively. You like working with people. People like working with you. You like being the connective tissue between teams. You don’t think of project management as a chore but necessary for product success
  • Understands technically. You are not afraid to become intricately familiar with our product and back-end platform. You want to know enough about the architecture, the business rules and technology stack to be able to make smart product decisions.
  • Serves gladly. You are eager to become the go-to person. You are an active listener. You like fielding questions, resolving issues and generally being in service to others.

Core Responsibilities

  • Partner with Credit Policy and Decision Sciences, Finance, and Operations team members and own the short-, medium, and long-term technology product roadmap for your products/systems
  • Serve as the “Voice of the Product” and trusted SME for Credit, Risk, Compliance, Legal, and your agile team
  • You are the voice of Risk within the Product Management team - you will advocate for these domains across any and every project within the organization
  • Deeply understand and solve for business impact and end-to-end customer experience for your domain; be able to passionately explain the ‘why’ behind initiatives to your agile team and stakeholders
  • Create epics, actionable user stories, and effective acceptance criteria for development teams; accept the completed user stories to make sure the work fulfills the criteria
  • Partner closely with engineering to explore potential solutions and initiative SOWs; define, recommend, and communicate approach options, trade-offs, and pros and cons
  • Manage partnered vendors for the customized ‘off-the-shelf’ technologies that are integrated into your product; lead SOW development, vendor check-ins, issue troubleshooting, etc. and support contract development and negotiations
  • Prioritize competing priorities of all sizes and stages; drive for both iterative improvements and focus on larger transformational initiatives by solving for what is best for the business, overall
  • Lead requirements gathering effort on epics — consulting with engineers, product managers, and partnered business stakeholders
  • Continual build, grooming, and prioritization of your product backlog
  • Attend and/or run team agile ceremonies; continually look for ways to get your agile team to ‘high performing’
  • Partner across other product agile teams to ensure all initiatives meet and exceed company, product, and customer expectations on time with high quality
  • Practice effective project management skills, identify and communicate risks, create and manage mitigation plans
  • Work closely with leadership to define and measure KPIs associated with your product 

 What you bring to the team

  • 5+ years of product management experience at a FinTech company, lending institution, or bank
  • Prior experience with Risk Models and Automated Underwriting Systems
  • Experience with APIs and third-party services in delivering a seamless product user experience
  • Customer insight and a data-driven approach to product management
  • Experience working with systems that handle sensitive data and with controls and change management processes
  • Executive presence with cross-functional team members of all levels, including C-level
  • Deep understanding of software development processes
  • Excitement for a fast-growing and fun work environment with the ability to adapt and lead as we expand
  • Proven ability to partner with Agile software development team
  • An unquenchable desire to learn and grow
  • A Bachelor’s degree in Finance, Business or Technology;  MBA a huge plus.
  • Major Plus: experience working with data/decision science teams; and/or interest in learning more about these areas 
  • Plus: experience with microservices architectures
  • Plus: experience with customized ‘off-the-shelf’ technologies; ability to manage vendor relationships and delivery schedule

Why Mosaic

As a customer focused and driven-to-win organization, there are many exciting reasons to join the Mosaic team. We provide competitive salaries, quality healthcare and an enjoyable, be-yourself work environment. We are deeply mission and vision driven, have a generous PTO program, and support flexible schedules when needed. Mosaic has a dynamic, fast-paced, and entrepreneurial environment, which requires a professional, flexible, self-starter attitude. We believe in hiring the best, the brightest, and cultivating a culture of collaboration and appreciation. 

Mosaic’s policy is that employees must be fully vaccinated against COVID-19 in order to travel for work, visit our office, or attend in-person meetings, to the extent permitted by applicable law. We encourage you to speak with your recruiter if you would like more details on our COVID-19 safety policies. 

We are an equal opportunity employer and value diversity at Mosaic. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status or any legally protected status.

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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
    • JavaLanguages
    • JavascriptLanguages
    • PythonLanguages
    • ScalaLanguages
    • SqlLanguages
    • TypeScriptLanguages
    • jQueryLibraries
    • ReactLibraries
    • Node.jsFrameworks
    • SpringFrameworks
    • AWS (Amazon Web Services)Frameworks
    • MemcachedDatabases
    • MySQLDatabases
    • PostgreSQLDatabases
    • RedShift Databases
    • Google AnalyticsAnalytics
    • TableauAnalytics
    • FigmaDesign
    • MiroDesign
    • ConfluenceManagement
    • Google DriveManagement
    • Google DocsManagement
    • Google SlidesManagement
    • JIRAManagement
    • TrelloManagement
    • productboard Management
    • WordpressCMS
    • DocuSignCRM
    • SalesforceCRM
    • Salesforce PardotCRM
    • SendGridEmail

What are Mosaic Perks + Benefits

Mosaic Benefits Overview

As a customer focused and driven-to-win organization, there are many exciting reasons to join the Mosaic team. We provide competitive salaries, quality healthcare and an enjoyable, be-yourself work environment. We believe in investing in your future and have a matching 401k. We have a free subscription to Headspace and remote physical therapy. Plus Fringe points where you can sign up for a variety of services for free! Take time off as you need it, we have a generous PTO program. Read on to learn more about our perks!

Daily sync
Open door policy
Team owned deliverables
Team based strategic planning
Group brainstorming sessions
Unconscious bias training
Hiring Practices that Promote Diversity
Proactive search and diverse interview panels
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Varies per plan selection. Dependent Care FSA up to $5,000 per household
Disability Insurance
Dependent on plan selection
Dental Benefits
We cover 100% of premiums for employees and 60% of premiums for dependents.
Vision Benefits
We cover 100% of premiums for employees and 60% of premiums for dependents.
Health Insurance Benefits
We cover 100% of premiums for employees and 60% of premiums for dependents.
Life Insurance
Term life insurance dependent on plan selection
Wellness Programs
Unlimited access to virtual workouts
Mental Health Benefits
Headspace, EAP program via our health insurance, Chat based therapy access
Retirement & Stock Options Benefits
401(K) Matching
We match 5,000/year
Company Equity
Everyone receives equity, vesting over four years.
Performance Bonus
Based on company performance
Child Care & Parental Leave Benefits
Generous Parental Leave
14 weeks of paid parental leave
Remote Work Program
We are a remote first company!
Vacation & Time Off Benefits
Generous PTO
We offer generous PTO, combined sick, vacation, and personal days. No set number of days within reason of course!
Paid Holidays
Paid Sick Days
Sick days fall under our PTO program
Perks & Discounts
Home Office Stipend for Remote Employees
We offer $300/year to make your office more efficient!
Professional Development Benefits
Lunch and learns
A variety of different topics
Cross functional training encouraged
Promote from within
Online course subscriptions available

Additional Perks + Benefits

We offer a supportive and collaborative work culture like none other!

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