Sr. Product Manager - Credit, Compliance & Fraud

Overview

We are seeking an experienced Senior Product Manager to own Credit, Compliance & Fraud (CCF), the pillar that protects every transaction on the NCC platform, which serves automotive dealerships nationwide. You will share equal ownership across three disciplines: credit decisioning, compliance automation, and fraud prevention, ensuring that dealers and lenders can move fast without taking on unacceptable regulatory or fraud risk.

What You’ll Do

• Credit Decisioning:

  • Own the roadmap for credit decisioning capabilities that connect dealerships to lenders
  • Partner with lenders and credit bureaus to improve approval speed and accuracy
  • Define success metrics for decisioning speed, accuracy, and approval rates

• Compliance Automation:

  • Ensure FCRA, TCPA, ECOA, and TILA requirements are built into every release, not bolted on after the fact
  • Partner with Legal and Compliance to evaluate new regulatory guidance and translate it into product requirements
  • Own compliance sign-off and audit-readiness for every CCF release

• Fraud Prevention:

  • Own the roadmap for fraud detection and prevention capabilities that protect dealers and lenders from identity theft and application fraud
  • Define success metrics tied to fraud loss reduction and false-positive rates
  • Partner with fraud operations to translate emerging fraud patterns into product requirements

What You’ll Have

• Experience:

  • 5-8 years of product management experience, with direct experience in credit decisioning, compliance automation, and fraud detection

• AI-Native Delivery:

  • Proven track record of shipping AI-native products, not managing AI efforts from a distance

• Regulatory Fluency:

  • Hands-on experience with FCRA, TCPA, ECOA, and TILA compliance requirements

• Current AI Tool User:

  • Must be actively using AI tools (e.g., ChatGPT, Claude, Copilot, Cursor, v0) in your work today, not just "familiar with" them

• Industry Background:

  • Direct experience in automotive retail, dealer software, or closely related regulated fintech/lending

• Technical Literacy:

  • Comfortable with SQL, dashboards, and product analytics tools

Key Success Metrics

• Credit decisioning speed and accuracy at the point of transaction
• Reduction in compliance exceptions across FCRA, TCPA, ECOA, and TILA
• Reduction in fraud losses and false-positive rates
• Successful delivery of AI-native CCF capabilities across all three disciplines

What We Offer

• Competitive pay
• Unrestricted PTO
• Comprehensive benefits package, including health, dental, and vision insurance
• 401(k) plan
• Professional development opportunities and continuous training
• A supportive and dynamic work environment with opportunities for growth and advancement

About the Role

We are an equal employment opportunity employer and a drug-free workplace.