Product Manager

Overview

Who we are

Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like  one of the world’s most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We’re looking for talented team members who want to Dream. Do. Grow.

with us.

An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company- delivering on Toyota s vision to move people beyond what s possible. At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment.

Toyota does not offer support or sponsorship of job applicants for employment-based visas or any other work authorization for this role now or in the future. You must have the right to work in the United States and not require Toyota support or sponsorship for immigration-related employment (e.g., H-1B, O-1, E-3, H-1B1, TN, F-1 OPT, F-1 STEM OPT, F-1 CPT, TN, (job flexibility benefits) (also known as I-140 or Adjustment of Status portability), etc.)

now or in the future. You should not apply for this role if you will require Toyota to assist with immigration support or sponsorship now or in the future.

Toyota Financial Services is looking for a product manager who is obsessed with the customer, makes decisions with data, and moves with the urgency of a startup inside one of the world’s most trusted brands.

This isn’t a project management role. You won’t be taking requirements from the business and handing them to engineering. You’ll be an individual contributor product manager owning the originations experience end-to-end and, more importantly, you’ll reimagine it. Loan origination is one of the most entrenched, friction-heavy processes in financial services — layers of paperwork, hand-offs, and waiting that customers have simply learned to tolerate.

We want someone who looks at that legacy process and sees how much of it can be simplified, automated, or removed entirely, then makes it happen.

We’re looking for someone with a strong point of view on what modern origination should feel like — fast, transparent, and built around the customer rather than the institution — grounded in a real understanding of how lending works underneath. You’ll talk to real customers, dig into the data to find where the experience breaks down, and make hard trade-off decisions with incomplete information.

If you’ve thrived in a startup or early-stage product environment and yet can navigate, anticipate and address the needs of a large enterprise, this is the role.

• Own the vision and implementation of the credit decisioning experience — the soft credit pull, the approval engine that determines loan amount, LTV, and rate tier, conditional data collection, co-borrower support, and clear handling of denials and next steps

• Own fraud and identity — partner with risk and fraud teams to define the identity verification and fraud-detection checks that protect customers and the business without adding friction for legitimate applicants

• Own the compliance foundation — ensure every credit decision and disclosure is defensible and meets regulatory requirements (TILA, ECOA, Fair Lending, CFPB), partnering closely with legal and compliance

• Own the product quality, testing strategy, and validation of business outcomes before release. Define success metrics beyond conversion (i.e., Time-to-fund, Cost-per-origination, dealer experience satisfaction etc.)

• Talk to customers regularly — run usability tests, join discovery interviews, and use what you learn to shape the product

• Define product strategy through PR/FAQs and Product Requirements Documents (PRDs) that articulate the customer problem, the solution, and how we’ll measure success

• Make prioritization decisions based on data, customer feedback, and business impact — not opinions or stakeholder loudness

• Partner with engineering and design — you…