Product Manager Risk Jobs in Arizona (NOW HIRING)

Company Description

Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include personal loans, home equity loans, debt consolidation, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and empathetic touch. We put people first and treat them like humans, not account numbers.

Since 2002, Achieve has grown into one of the largest private consumer fintech unicorns in the U.S., with over $40B in enrollments for our industry-leading, tech-enabled debt resolution services business, and over $11Bn in personal and home loans originations via our banking-as-a-service partner.

Job Description

Achieve is hiring a Principal Product Manager to spearhead the product strategy and technical execution for our newly created Third-Party Originations (TPO) channel. As a key partner to the General Manager of TPO and Lending executive leadership, you will be the architectural and product visionary responsible for building the digital infrastructure that allows brokers and correspondents to seamlessly originate Achieve's best-in-class HELOCs and future lending products.

This is a high-impact, "founding" product role for a new business line. You will define the roadmap for our TPO ecosystem - spanning partner portals, API integrations with LOS/POS vendors, and automated decisioning - to drive massive growth in loan origination volume and channel profitability.

Key Responsibilities

• TPO Strategy & Roadmap: Partner with the GM of TPO to develop and execute a multi-year product vision. You will define how we onboard third-party originators (wholesale and correspondent) and how we win in a competitive mortgage intermediary landscape.

• Platform Development: Lead the development of our TPO lending ecosystem. This includes building seamless partner experiences, and robust API integrations that connect Achieve's internal systems with external broker and correspondent tech stacks.

• TPO broker portal: Spearheaded the design and launch of a high-conversion self-service portal, leading sprint cycles to deliver a frictionless user journey while maintaining deep alignment with Retail HELOC product strategies and understanding of TPO competitive landscape..

• Automated Decisioning & Integration: Collaborate with the Lead Qualification and Decisioning teams to ensure real-time automated underwriting and risk-appropriate pricing are integrated into the TPO workflow to maximize conversion and speed-to-fund.

• Channel Growth & Optimization: Take accountability for critical channel metrics, including partner onboarding speed, pull-through rates, and loan origination volume. Identify friction points in the broker journey and iterate rapidly to resolve them.

• Cross-Functional Leadership: Act as the central hub between Engineering, Capital Markets, Sales, Underwriting & Ops, Risk, and Compliance. You will translate complex mortgage industry requirements into scalable technical specifications.

• External Partnerships: Cultivate relationships with key third-party technology collaborators (e.g., LOS/POS vendors) to ensure Achieve's products are prioritized and deeply integrated into their ecosystems.

Qualifications

• Experience: 10+ years of Product Management experience, with a proven track record in Mortgage TPO, Fintech, or Lending platforms. You have successfully built and scaled complex B2B or partner-facing applications.

• Domain Expertise: Deep understanding of the TPO industry, including the nuances of wholesale vs. correspondent channels, mortgage origination workflows, and lien (HELOC/HELOAN) products.

• Technical Prowess: Experience with API-first product development, mortgage LOS integrations, and automated decisioning/rules engines. You can hold your own in architectural discussions with senior engineers.

• Data-Driven Mindset: Proven ability to leverage data to spot optimization opportunities, run quantitative tests, and report results to executive leadership.

• Execution Excellence: A "self-starter" mentality with the ability to manage intricate initiatives from inception to launch in a high-growth, fast-paced environment.

• Communication: Exceptional written and verbal communication skills. You can simplify complex technical and regulatory constraints for diverse audiences and influence without authority.

• Education: Bachelor's degree in Business, Technology, or a related field; MBA or advanced degree preferred.

Join us and help build the future of third-party lending.

Additional Information

All your information will be kept confidential according to EEO guidelines.

Achieve well-being with:

• 401 (k) with employer match
• Medical, dental, and vision with HSA and FSA options  
• Competitive vacation and sick time off, as well as dedicated volunteer days
• Access to wellness support through Employee Assistance Program, physical and mental health wellness programs
• Pet care discounts for your furry family members
• Financial support in times of hardship with our Achieve Care Fund
• A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

We are proudly offering hybrid options in the San Mateo, CA and Phoenix, AZ metro market. In other locations throughout the country, we offer work from home.

Salary Range: $160,000 - $180,000 + bonus + benefits. 

This information represents the expected salary range for this role. Should we decide to make an offer for employment, we'll consider your location, experience, and other job-related factors.

Join Achieve, change the future.

At Achieve, we're changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you'll get to be a part of their journey to a better financial future. We're proud to have over 3,000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work-from-home opportunities every day to better serve our members. A career at Achieve is more than a job-it's a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.

Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve's Talent Acquisition leader.

#LI-KM1