Founded in 2017, NinjaHoldings works to give everyday Americans better access to financial services than traditional institutions typically provide. Through our CreditNinja and NinjaCard brands, we offer digital banking and lending products designed for consumers often overlooked, paired with incentives that support long-term financial improvement. Our Edge brand extends this expertise to other companies, providing underwriting, fraud detection, and analytics services. Headquartered in Chicago with a distributed global workforce, we are a lean, growing organization committed to advancing consumer finance in the US.
Job Summary
The Sr. Product Manager will work with the Principal Product Manager of NinjaHoldings. This person will be responsible for driving the initiatives that directly impact key business goals such as loan volume growth and portfolio performance. They will also be responsible for prioritizing the roadmap of the lending business and determining what best meets the business goals while ensuring essential "business as usual" work is not forgotten. They will work directly with many departments such as Marketing, Risk, Engineering, Compliance, and Finance to ensure all are aligned in the pursuit of the key goals.
The right candidate will be analytical - we're a lending business driven by numbers and driving numbers - and technical - to support the design and implementation of scalable solutions. They will be a personable Type A personality - success requires working with and through other teams on complicated and complex projects. They will be able to move quickly from big picture thinking to detail-oriented thinking.
Key Responsibilities:
- Manage and prioritize strategic projects in partnership with Risk, Engineering, Marketing, Compliance, Bank Partnerships, and Legal, ensuring alignment with key business outcomes
- Translate and clarify technical requirements to ensure readiness for development
- Use data to evaluate and communicate project impact, make informed trade-offs, and guide decision-making at the department level
- Be the nexus of understanding regarding "how the products work" from the perspective of Risk, Marketing, Engineering, Compliance and Call Center
- Own the end-to-end product lifecycle, from discovery and business case development through implementation, launch, monitoring, and optimization
- Drive experimentation through A/B testing and data analysis to improve conversion, approval rates, funding, customer outcomes, and portfolio performance
- Identify and prioritize opportunities to apply AI/ML across the lending lifecycle (underwriting, fraud, pricing, servicing, collections, customer support) and own delivery from concept to measurable impact
- Use AI tools daily in the product workflow - research, requirements drafting, data analysis, prototyping
Ideal Candidate Will Have:
- 5+ years of product management experience in financial services
- Demonstrated success delivering projects that require coordination and alignment of multiple departments
- Experience writing requirements for Engineering and other departments
- Experience supporting or leading the implementation of decision engines or other technical platforms
- Strong ability to determine priority of projects with disparate goals coming from various departments
- Strong ability to pitch ideas to department heads through the use of data and strategic thinking
- Strong ability to distill the needs of our customers to various departments
- Strong analytical ability to determine the impact of projects to a product's success
- Expertise in one of the following areas: Risk, Marketing, Software Engineering
- Hands-on fluency with AI tools (e.g., LLM assistants, AL coding/analysis tools) in day-to-day product work
Additional Pluses:
- Deep experience in consumer lending
- Ability to write SQL
- Experience working in a startup or as an entrepreneur
Benefits & Perks:
- Flexible Paid Time Off
- Health Benefits with generous medical, dental and vision insurance plans
- 401(k) with matching contribution
- Paid Family Leave
- Annual Wellness & WFH Subsidies
- Employee Referral Program
- Remote first culture with convenient downtown office in the heart of the city
IMPORTANT NOTICE:
Please carefully review communications to ensure that they are from the official Breezy applicant tracking platform (@breezy-mail.com) or an official NinjaHoldings brand email: @ninjaholdings.com, @creditninja.com, @ninjacard.com, or @edgescore.com. If you have been contacted regarding a job opening at NinjaHoldings from any other email address, including similar email variations, this is NOT a trusted source. We recommend that you refrain from responding to suspicious emails and file a complaint with the FBI's Internet Crime Complaint Center (IC3) at https://www.ic3.gov. For questions or to confirm the authenticity of a communication, please email hr @ninjaholdings.com.
Skills Required
- 5+ years of product management experience in financial services
- Demonstrated success delivering projects requiring coordination and alignment across multiple departments
- Experience writing requirements for Engineering and other departments
- Experience supporting or leading implementation of decision engines or other technical platforms
- Ability to prioritize projects with disparate goals from multiple departments
- Ability to present ideas to department heads using data and strategic thinking
- Ability to distill customer needs for various departments
- Strong analytical ability to determine project impact on product success
- Expertise in Risk, Marketing, or Software Engineering
- Hands-on fluency with AI tools, including LLM assistants and AI coding or analysis tools
- Deep experience in consumer lending
- Ability to write SQL
- Experience working in a startup or as an entrepreneur
NinjaHoldings Compensation & Benefits Highlights
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Healthcare Strength — Medical, dental, and vision plans plus life/disability coverage are presented as standard offerings in public materials. Mental-health support via an EAP is also highlighted, indicating breadth beyond core insurance.
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Retirement Support — A 401(k) with employer matching is explicitly promoted and reiterated across company-facing pages and job profiles. This points to meaningful long-term savings support as a consistent part of total rewards.
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Equity Value & Accessibility — “Material” equity grants are emphasized and positioned as a core component of compensation. Multiple public listings describe equity alongside base pay, suggesting broad availability.
NinjaHoldings Insights
What We Do
NinjaHoldings was founded in 2017 by a team seeking to revolutionize the way everyday Americans interact with financial services. Through our CreditNinja and NinjaCard brands, we empower people overlooked by traditional financial institutions to take control of their finances via a full suite of digital banking and lending products, providing incentives and rewards along the way as we guide them on a path to financial improvement. Through our EDGE brand, we help companies better understand their customers by offering a package of bespoke underwriting, fraud detection, and analytics services. With offices in Chicago, Miami, and around the world through the power of remote work, we are a lean and innovative team always seeking like-minded talent to join us in our fight to disrupt consumer finance.
Why Work With Us
Our culture of growth is driven by hard-working people who move fast. We’re a highly collaborative, fast-moving, and data-centric company led by industry veterans. Our collaborative team is composed of super-talented ninjas who are passionate about their craft.
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