Sr. Product Manager, Core Experience

Your role in our mission Prosper's Core team sits at the center of our product strategy — and this role sits at the center of the Core team. As Senior PM, Core Experience, you will own the connective tissue between our Personal Loans and Credit Card products, building the intelligent, unified customer experience that turns a portfolio of financial products into a cohesive financial platform. This isn't a maintenance role. You'll define how we surface the right product to the right customer at the right moment, architect cross-product journeys that reduce friction and deepen engagement, and build AI into the foundation of how we serve customers — a core capability, not a bolt-on. You'll partner with product leadership to build a multi-year vision and roadmap, then break it into phases and drive execution with your dedicated engineering teams. Your primary KPI is ARPU (Average Revenue Per User) and you'll drive Cross Product and Second Product Adoption. You'll own it end to end. How you'll make an impact • Unify the experience across Loans and Cards Identify seams in the customer journey where switching between products creates confusion or drop-off. Define and ship a single, coherent Prosper experience • Build intelligent, cross-product journeys Design the logic for when and how we introduce a customer to a product they don't have yet. Build the decision framework that turns product recommendations into genuine financial guidance. Use data, experimentation (A/B tests), and customer research to iterate quickly and with conviction • Own the AI strategy for Core Develop a concrete roadmap for how AI can improve product decisioning, personalization, and customer communication across the core platform. You should have a strong point of view on where AI creates real leverage — and where it doesn't • Drive ARPU as a first-class metric Define leading indicators, build the instrumentation, and work cross-functionally with Design, Engineering, Data Science, Credit, and Risk to move it • Own the strategy, drive the execution Write crisp strategy docs, influence senior stakeholders, and make opinionated calls on prioritization. Own your backlog. Lead and resolve conflicts across organizational stakeholders. Keep leadership updated on progress and trade-offs without being asked Skills that will help you thrive • Sharp strategic thinker. You hold a 3-year vision and a 2-week sprint in your head at the same time. You connect customer problems to business outcomes without being prompted, and you can articulate the "why" behind every prioritization decision • AI-native builder. You've shipped products that use AI/ML in meaningful ways — personalization, intelligent routing, recommendation systems, NLP, or similar. You know how to partner with data scientists and ML engineers as a true peer, and you have a concrete point of view on how to apply AI in financial services • Cross-product experience. You've worked on platform or ecosystem-level products — experiences that sit across multiple surfaces, teams, or product lines. You understand the organizational complexity that comes with this and know how to navigate it • Deep customer empathy, with financial services fluency. You understand how consumers think about debt, credit, and financial decisions. You've worked in fintech or have done the work to deeply understand it • Exceptional communicator. Your PRDs get read. Your stakeholder updates move things forward. You adapt your style across engineering, design, legal, marketing, and the C-suite • High ownership, low ego. You don't wait to be asked. You close loops. You make the hard call and own it — including when you're wrong QUALIFICATIONS: • 6+ years of product management experience, with demonstrated success on consumer-facing products • At least 2 years in fintech, lending, credit, or a closely adjacent domain • Proven track record shipping AI/ML-powered features at scale • Experience working across multiple product lines or in a platform/core capacity • Strong data fluency — comfortable with SQL, experiment design, and pressure-testing analytical conclusions • Bachelor's degree required; technical degree or MBA is a plus, but track record matters more Resources to help you prosper • A hybrid connection: We believe in the "best of both worlds" - a hybrid environment (2 days/week in our SF office) that balances high-touch collaboration with the flexibility of remote work • Invested in your future: A competitive salary and a 401(k) with a 5% company match to help you build long-term financial security • Holistic well-being: We provide the resources you need to thrive, from flexible time off and paid parental leave to an annual wellness allowance and comprehensive health coverage • Professional & personal growth: Take advantage of a suite of premium perks, including Udemy access, childcare assistance, pet insurance, and a bevy of additional savings through Beneplace Interview process • Recruiter Call: A brief screening to discuss your experience and initial questions • Department Interview: Deeper dive into technical skills and project alignment with the Hiring Manager or team member • Team/Virtual Interview: Meet team members for collaborative discussions, problem-solving, or technical exercises • Case Study Round: Analyze a real-world problem, propose solutions, and present findings, evaluating analytical, strategic thinking, and presentation skills #LI-RC1 About Us Prosper introduced U.S. consumers to an innovative approach to personal finance as the first peer-to-peer lending platform in the country. Since 2005, Prosper has helped over 2 million customers achieve financial well-being through a comprehensive suite of digital personal finance products. Prosper’s flagship personal loan* marketplace continues to offer unique value for both borrowers and investors, while the Prosper® Card¹ provides essential access to credit and flexibility for those managing their financial journey. Guided by its mission to advance financial well-being, Prosper is dedicated to helping people thrive by meeting people where they are with simple, trusted, and affordable financial solutions. Learn more at www.prosper.com. We’re on a mission to hire the very best, and we are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere. It is important to us that every hire connects with our vision, mission, and core values. Join a leading fintech company that’s democratizing finance for all!     Our Values Diversity expands opportunities Collaboration creates better solutions Curiosity fuels our innovation Integrity defines all our relationships Excellence leads to longevity  Simplicity guides our user experience  Accountability at all levels drives results   www.prosper.com Our Story & Team  //   Our Blog    Applicants have rights under Federal Employment Laws. Family & Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA)    California applicants: please click here to view our California Consumer Privacy Act (“CCPA”) Notice for Applicants, which describes your rights under the CCPA.   Illinois applicants: please click here to view our Artificial Intelligence Notice for Applicants.   At Prosper, we're looking for people with passion, integrity, and a hunger to learn. We encourage you to apply even if your experience doesn't precisely match the job description. Your unique skill set and diverse perspective will stand out and set you apart from other candidates. Prosper thrives with people who think outside of the box and aren't afraid to challenge the status quo. We invite you to join us on our mission to advance financial well-being.   Prosper is committed to an inclusive and diverse workplace. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical​​​ condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law, including the San Francisco Fair Chance Ordinance. Prosper will consider for employment qualified applicants who are non-US citizens and will provide green card sponsorship.     *All personal loans are made by WebBank. ¹The Prosper® Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard® International.