Product Manager - Credit Bureaus
Spinwheel · NAMER · 7 mo ago
RemoteRemoteMarketingFull-time
What You’ll Own
- Own Spinwheel’s Credit Bureau Strategy
- Build and refine our bureau roadmap across Equifax, Experian, TransUnion, and specialty/alternative bureaus.
- Evaluate bureau offerings (attributes, scores, decisioning tools, fraud products, income estimates, and more) and determine how they map to Spinwheel’s long-term strategy.
- Create frameworks to compare bureau datasets, pricing, latency, accuracy, and vertical strengths.
- Partner with leadership to define diversification, redundancy, and cost optimization strategies.
- Lead End-to-End Bureau Integrations
- Own the full integration lifecycle — from vendor evaluation and scoping to API architecture, data validation, rollout, and monitoring.
- Define integration requirements, error handling, data normalization rules, and reconciliation processes.
- Work with Engineering and Data to ensure clean ingestion, mapping, standardization, and parity across bureaus.
- Track success metrics including uptime, data quality, match rates, latency, and reliability.
- Build Bureau-Powered Products Across the Debt Lifecycle
- Design features and intelligence that leverage bureau data for:
- Liability identification & enrichment
- Underwriting inputs & data prep
- Debt reduction insights
- Repayment optimization & modeling
- Credit improvement recommendations
- Translate bureau capabilities into user-facing value that improves savings, outcomes, and financial health.
- Drive Compliance, Permissible Purpose, and Data Governance
- Partner with Compliance & Legal to operationalize FCRA alignment, data retention, user disclosures, and bureau contract requirements.
- Ensure data flows, product behavior, and user journeys reflect permissible purpose and auditability needs.
- Define data quality monitoring, reconciliation routines, issue classification, and bureau dispute workflows.
- Agile & Delivery: Auto-generate user stories, acceptance criteria, and test plans for bureau-driven features. Create quick prototypes, generate simulated bureau decisioning flows, and model user journeys.
- Research & Analysis: Summarize bureau product docs, compliance requirements, and market intel. Compare bureau attribute sets, identify duplicates or mismatches, and produce normalized schemas.
- Data Work: Analyze bureau datasets, reconcile variations across bureaus, and surface insights faster. Build AI-powered internal tools to assist with mapping, data categorization, and automated validation.
- Automation: Streamline repetitive PM tasks and create AI-powered internal workflows. Generate dashboards, reporting templates, partner summaries, and integration documentation.
- Have extensive experience with credit bureaus—data products, integrations, APIs, attributes, compliance, and use cases
- Have shipped financial products in fast-paced startup or high-velocity environments
- Use AI tools to actually ship more, faster, and better
- Are technical enough to work closely with engineers and data teams
- Are customer-obsessed and able to make the right trade-offs in regulated spaces
- Get energized by messy, complex, high-impact problem spaces—especially debt, lending, and credit infrastructure
- Level: Open to PM or Senior PM level depending on experience
- Location: Fully remote (U.S. time zones preferred)
- Experience: Fintech, credit bureaus, APIs, or AI systems experience strongly preferred
- Culture: Ambitious, mission-driven, and unafraid to build what hasn’t been built before