Sr Financial Product Strategy Manager – HELOC & Mortgage

About the role

Happen Bank is expanding its home lending capabilities and partnerships, with a focus on delivering home equity and mortgage solutions through digital and embedded experiences. We're looking for a hands-on leader to own and grow our embedded home equity and mortgage business, manage key external partnerships, and continuously improve the end-to-end member experience.

Responsibilities

• Own Home Lending Performance
  • Own end-to-end performance of HELOC and embedded mortgage offerings, including traffic, conversion, approval, funding, member satisfaction, and unit economics
  • Map, manage, and continuously improve the member journey, reducing friction and drop-off while increasing relevance and engagement
  • Translate business objectives into clear priorities and measurable outcomes
• Partnership Management
  • Serve as the day-to-day owner for key mortgage and home equity partners, including SLAs, issue escalation, roadmap alignment, and ongoing business reviews
  • Collaborate with partners on joint initiatives across offers, messaging, and funnel optimization to drive mutual value
• Embedded Experience & Growth
  • Partner with Product, Marketing, and Data teams to define where and how home lending solutions appear across Happen Bank experiences
  • Design and prioritize experiments around targeting, placement, messaging, and offer presentation
  • Identify cross-sell and lifecycle opportunities tied to member behavior and financial health signals
• Analytics & Insights
  • Define and own core performance metrics for HELOC and mortgage products, including lead volume, conversion, funded volume, revenue per member, and complaint trends
  • Build operating dashboards and routines that translate data into clear insights and recommendations for senior leadership
• Distribution & Operating Model Evolution
  • Partner with Legal, Compliance, Risk, Operations, and HR to support compliant mortgage distribution models, including referral and broker-based structures
  • Help define scalable operating models across people, process, and technology
  • Draft and refine procedures, scripts, and playbooks to support internal teams as Happen Bank expands in home lending
  • Ensure controls are compliant, repeatable, auditable, and clearly owned
• Business Planning & Roadmap Input
  • Build data-driven business cases to support expansion into new products, partners, and geographies
  • Provide prioritized inputs into Product and Technology roadmaps, including capabilities such as lead routing, CRM workflows, compensation logic, and reporting
  • Partner with Performance and Lifecycle Marketing teams to drive sustained growth and adoption
• Member Voice & Continuous Improvement
  • Partner with Customer Service to review feedback and complaints, conduct listening sessions, and identify journey improvements
  • Bring member, partner, and internal insights into a structured backlog and drive continuous improvement

Requirements

• 6+ years of experience in financial services, with at least 5 years in mortgage, HELOC, home equity, or related home lending
• Experience working with embedded finance, partner-led, or white-label lending models
• Strong program and project management skills, with a track record of driving complex, cross-functional initiatives
• Familiarity with mortgage and HELOC regulatory frameworks and comfort partnering closely with Legal and Compliance
• Experience defining, tracking, and evolving KPIs and operating metrics
• Collaborative and influential, with the ability to lead without authority across Product, Technology, Operations, and external partners
• Clear and effective communicator, able to translate complexity into actionable direction
• Comfortable operating independently in a fast-paced, highly cross-functional environment

Qualifications

• Bachelor's degree or higher, or equivalent combination of education and experience

Skills

• Strong analytical and problem-solving skills
• Excellent communication and interpersonal skills
• Ability to work independently and collaboratively
• Experience with data analysis and reporting tools
• Knowledge of mortgage and HELOC regulations

Benefits

We offer a competitive benefits package that includes medical, dental and vision plans for employees and their families, 401(k) match, health and wellness programs, flexible time off policies for salaried employees, up to 16 weeks paid parental leave and more.

Pay

The target base salary range for this position is $156,000 - $180,000.

Schedule

This role requires primarily local hours, with occasional travel to Happen Bank offices and/or other locations, as needed.