Principal Product Manager, QB Capital

QB Capital is a nimble, high-priority business unit and the fastest-growing SMB lending business in the market. As the team scales origination, we need a principal-level product leader who can sit at the intersection of credit, data, and customer needs and turn that into a roadmap that drives growth.

• Scale a cash-flow-based lending product with both a credit and a product lens — growth and risk discipline have to be designed together, not traded off after the fact.

• Connect the dots between credit, data, and customers to build a roadmap that unlocks origination growth — translating what we know about borrowers into product bets that move the top of the funnel and conversion, not just backend decisioning.

• Up-level QB Capital's credit point of view so the team is prioritizing its biggest opportunities — bringing a sharper, more proactive read on where credit strategy can unlock (rather than just protect) growth.

Scale the product with a credit lens

• Own the roadmap for QB Capital's cash-flow-based lending products, balancing origination growth against portfolio economics (loss rates, contribution margin, funding cost)

• Partner with Risk and Data Science to translate underwriting and pricing strategy into shippable product — eligibility, offer generation, limits, and the borrower-facing experience around them

Connect credit, data, and customers into a growth roadmap

• Use Quick Books' accounting and transaction data, portfolio performance, and direct customer input to identify the highest-leverage opportunities to grow origination

• Build and prioritize a roadmap spanning acquisition, eligibility, underwriting, offer design, and servicing — sequencing bets by expected impact on growth and risk

• Be the connective tissue between Credit/Risk, Data Science, Data Engineering, Engineering, Design, Marketing, Finance, Compliance, and GTM so decisions get made with the full picture, not in silos

Up-level the credit point of view

• Bring an independent, forward-looking perspective on credit strategy — not just executing what Risk hands off, but identifying where credit policy itself is the growth lever

• Design credit policy proposals and product bets that improve business KPIs; convert credit risk analyses into actionable business opportunities, not just risk reports

• Build the analytical case for new product/credit bets: size the opportunity, define success metrics, and drive stakeholder alignment on what to prioritize and why

• Represent QB Capital's credit strategy point of view to senior stakeholders and influence how the broader Payments & Capital roadmap gets sequenced

Must Have

• 10-12+ years of product management experience, including direct ownership of a product with real P&L or portfolio-economics accountability (cash-flow-based lending, credit cards, or similar)

• A demonstrated ability to connect data and credit thinking to product decisions, comfortable working through underwriting logic, portfolio metrics, and risk/return tradeoffs alongside more traditional product craft

• Strong analytical fluency (SQL and portfolio/data analysis at minimum); track record of building the business case for where to invest, not just executing an existing roadmap

• Experience operating as a senior IC, able to set direction and align cross-functional stakeholders (Risk, Data Science, Engineering, Compliance, Finance) without formal authority over them

• Excellent written and verbal communication; able to move fluidly between underwriting mechanics, engineering scoping, and executive-level strategy conversations

• Experience scaling a lending or financing product through multiple growth stages, including through a credit cycle

Nice to Have

• Credit, lending, or underwriting product experience is a strong plus but not…