Technical Product Manager, Lending Credit

📋 Description

• • Own the end-to-end product lifecycle for Toptal’s new lending portfolio, beginning with a borderless term-loan product that will extend credit to 30,000+ global freelancers who are currently locked out of traditional banking. You will translate high-level business goals into a sequenced roadmap, write detailed PRDs, and shepherd every feature from discovery through GA in 2-week sprints.
• • Sit at the intersection of engineering, risk, compliance, design, and data science in a lean, fully-remote squad. You’ll run daily stand-ups, facilitate design sprints, and negotiate scope trade-offs so that the team can ship new underwriting logic, repayment rails, and fraud-prevention features without ever slowing momentum.
• • Architect credit decisioning flows that balance aggressive growth targets with bullet-proof risk controls. You will define scorecards, risk-based pricing tiers, and real-time fraud signals, then A/B test them against KPIs such as approval rate, default rate, and portfolio ROE.
• • Integrate with external partners—credit bureaus, open-banking aggregators, KYC/AML vendors, payment processors, and collections agencies—turning fragmented APIs into invisible, user-friendly experiences. You’ll own technical specs, security reviews, and SLA negotiations to ensure every integration is live ahead of schedule.
• • Embed regulatory requirements (EU Consumer Credit Directive, UK MCD, US TILA, local AML statutes) directly into product flows. You’ll map each clause to a user story, acceptance criteria, and automated test so that compliance is achieved with zero friction for borrowers and zero regulatory breaches for Toptal.
• • Instrument comprehensive analytics to monitor funnel health, cohort repayment curves, and early-warning default signals. You’ll surface insights to executives weekly, propose data-driven pivots, and continuously refine risk models using AI-native tools such as Cursor, Claude, and analytics copilots.
• • Champion the customer voice. You will run user interviews across four continents, synthesize pain points, and craft transparent, jargon-free borrowing experiences that build trust in minutes—not months. Expect to ship improvements to the loan application UX every sprint based on direct feedback.
• • Scale the product responsibly across multiple regions and regulatory frameworks. You’ll design modular architecture so that new countries can be switched on with configuration, not code, and you’ll create playbooks for local compliance, marketing, and customer support teams.
• • Influence company-level strategy. As the domain expert on global credit, you’ll brief the CEO and Board on expansion sequencing, capital requirements, and partnership opportunities, ensuring that lending becomes a core pillar of Toptal’s $5B+ borderless finance platform.
• • Foster a culture of velocity and ownership. You’ll mentor junior PMs, codify best practices for AI-assisted product development, and evangelize the lending roadmap across the entire 1,000-person organization so that every team understands how credit accelerates Toptal’s mission to unlock human potential.