Senior Product Manager

ABOUT UPBOUND

Upbound Group, Inc. (NASDAQ: UPBD) is an omni‑channel platform company committed to elevating financial opportunity for all through innovative, inclusive, and technology‑driven financial solutions.

Acima is a leading fintech brand offering lease‑to‑own solutions that give customers access to the things they need, when they need them. Its digital‑first platform is built to make financial access fast, fair, and friction‑free, and the Apply product is at the heart of that mission.

We are seeking a Senior Product Manager, Apply to own one of Acima’s most consequential customer experiences: the application flow. This role owns everything from the moment a customer initiates an application through the moment they submit it — a journey that directly drives approval rates, customer trust, and business growth.

• Own and evolve the Apply product roadmap, balancing short‑term conversion improvements with long‑term platform investments that scale across channels and customer segments.
• Lead the design and continuous iteration of the end‑to‑end application experience — from entry point through submission — across web and mobile surfaces built on React.
• Partner with Data Science and Analytics teams to incorporate AI and predictive signals into the application flow, including intent modeling, field‑level dropout prediction, and risk‑informed UX personalization.
• Own the Plaid integration strategy within the Apply flow, including bank verification, income and asset verification, and the ongoing tradeoffs between verification depth, conversion friction, and fraud risk.
• Define and track success metrics including application completion rate, time‑to‑submit, field‑level dropout, verification pass rate, and downstream approval correlation.
• Partner with Engineering across the full software release cycle — from discovery and requirements through deployment, rollout strategy, and post‑launch iteration — with fluency in agile delivery and an ability to write clear, technically precise requirements.
• Design and execute a rigorous experimentation program: A/B tests, multivariate tests, and staged rollouts that generate reliable signal on what drives conversion and trust.
• Collaborate with Design, Compliance, Risk, and Data Engineering to ensure the Apply experience is compliant, inclusive, and performant across diverse customer profiles and device environments.
• Anticipate and manage technical debt and platform constraints; make principled tradeoffs between speed, quality, and scale with transparency to senior stakeholders.
• Communicate strategy, roadmap progress, risk, and experimentation results clearly to leadership and cross‑functional partners.

• 5–8 years of product management experience with at least 2 years owning consumer‑facing application, onboarding, or checkout flows in a fintech, lending, or e‑commerce context.
• Deep familiarity with financial data integrations, particularly Plaid — including income verification, asset verification, and bank account linking flows and their conversion tradeoffs.
• Demonstrated experience incorporating AI and predictive analytics into product experiences — whether through dropout prediction, dynamic form logic, risk scoring, or personalized UX paths.
• Strong foundation in experimentation: designed and interpreted A/B tests, understand statistical significance, and have used test results to drive meaningful product decisions.
• Comfort working directly with React‑based engineering teams; can read component‑level tickets, participate in technical design reviews, and write requirements that don’t leave room for ambiguity.
• Solid computer science foundation — enough to reason about API contracts, data pipelines, latency tradeoffs, and system reliability as they affect the customer‑facing experience.
• Proficiency with funnel analytics, behavioral instrumentation, and tools like Mixpanel, Amplitude, Looker, or equivalent.
• A track record of owning products across the full release cycle: discovery, definition, build, launch, and continuous improvement.
• Strong judgment in ambiguous, high‑stakes problem spaces, with the ability to align…