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Senior Product Manager- Credit, Cash Advance & Lending

May 28, 2026

<div class="content-intro"><a href="alt.xyz" target="_blank">Alt</a> is unlocking the value of alternative assets, starting with the $5 B trading-card market. We let collectors buy, sell, vault, and finance their cards in one place and we are backed by leaders at Stripe, Coinbase, Seven Seven Six, and pro athletes like Tom Brady and Giannis Antetokounmpo. Our next frontier is real-time pricing at scale—the Alt Value that powers every trade, loan, and product on the platform.</div>Alt’s cash advance and lending products are rapidly becoming core revenue drivers. We’re hiring a Senior PM to own the full credit system end-to-end — underwriting logic, risk thresholds, expected-loss modeling, decisioning speed, borrowing experience, and all operational workflows linked to sending and receiving funds. This role sits at the intersection of credit risk, financial modeling, product design, and operational execution. You’ll partner closely with Pricing (Alt Value), Data Science, Finance, and CX to build a world-class credit engine that delivers fast liquidity while maintaining strong portfolio performance. You do not need to be a quant, but you must be comfortable with underwriting fundamentals, expected-vs-actual loss modeling, LTV logic, and risk controls — and equally comfortable designing clean, intuitive borrower flows. You will own both the backend credit engine and the customer-facing UI/UX for cash advances and loans. This is a high-impact role directly tied to revenue, capital efficiency, and customer trust. <h3>Why This Role Exists:</h3> Alt’s lending and cash advance products require fast, accurate underwriting and seamless customer experiences. As we scale to larger loan sizes, more asset categories, and additional financing products, we need a dedicated PM to own the credit decisioning engine and improve both portfolio outcomes and customer liquidity. Your mandate is to increase usable liquidity for customers (more accepted offers, more completed loans), while reducing losses and improving model accuracy. <h3>What You’ll Own:</h3> 1. Credit Decisioning Engine <ul> <li>Own underwriting logic for both cash advances and loans.</li> <li>Partner with Data Science to refine model thresholds, LTV caps, expected-loss calculations, and override rules.</li> <li>Improve calibration between expected loss (EL) and actual portfolio performance.</li> <li>Ensure decisioning is fast, consistent, and scalable across asset categories.</li> </ul> 2. Cash Advance & Lending Product Experience <ul> <li>Own the borrower UI/UX end-to-end: application → offer → funding → repayment.</li> <li>Improve clarity, trust, and ease-of-use in the borrowing experience.</li> <li>Reduce friction and increase completion rates for both cash advances and loans.</li> <li>Develop features that encourage responsible, repeat borrowing.</li> </ul> 3. Portfolio Performance & Risk <ul> <li>Monitor loss rates, delinquency, utilization, and customer repayment behavior.</li> <li>Work with Finance to maintain healthy margins and capital efficiency.</li> <li>Implement guardrails that reduce adverse selection and improve overall risk quality.</li> <li>Build dashboards and reporting that clearly communicate model health.</li> </ul> <h4 class="content-editable-leaf-rtl notranslate" data-content-editable-leaf="true">4. Operational Workflows</h4> <ul> <li>Own CX/Ops flows related to funding, repayment, manual review, and exceptions.</li> <li>Reduce operational overhead through automation and clear logic pathways.</li> <li>Ensure operational processes scale with volume while maintaining strong controls.</li> </ul> 5. Roadmap + Execution <ul> <li>Build and own the quarterly roadmap for cash advances and lending.</li> <li>Align Engineering, Data Science, CX, Finance, Compliance, and Marketplace Ops.</li> <li>Communicate priorities clearly and drive disciplined, cross-functional execution.</li> </ul> <h3>Metrics You’ll Own:</h3> Northstar Metric:Risk-Adjusted Portfolio Performance (Balancing high advance/lending volume with model accuracy, low losses, and healthy customer repayment.) KPIs: Offer Acceptance Rate (cash advances) → % of customers who receive and accept an advance offer Lending Conversion Rate (loans) → % of customers who complete the lending flow and take out a loan Loss Rate vs Expected Loss (EL) → Calibration of the underwriting model Delinquency Rate (Loans) → Portfolio health and repayment behavior <h3>What Great Looks Like (6 Months):</h3> <ul> <li>Higher offer acceptance and lending conversion without increasing losses.</li> <li>Faster underwriting decisions (hours → minutes).</li> <li>Improved model calibration: expected loss vs actual loss variance reduced.</li> <li>A simpler, more intuitive borrowing experience that increases customer trust and usage.</li> <li>Clean, scalable operational workflows with fewer manual interventions.</li> <li>Predictable, stable portfolio performance tied directly to Alt Value.</li> </ul> <h2 class="content-editable-leaf-rtl notranslate" data-content-editable-leaf="true">Who You Are:</h2> <ul> <li>5–8+ years of PM experience in credit, lending, underwriting, risk, or fintech.</li> <li>Strong understanding of underwriting logic, expected-loss modeling, delinquency, and LTV frameworks.</li> <li>Comfortable interpreting model outputs and turning them into credit rules and customer-facing flows.</li> <li>Experienced partnering with Finance, Data Science, CX, and Engineering.</li> <li>A product thinker who can simplify complex financial decisions into clear, user-friendly interfaces.</li> <li>Able to operate at multiple altitudes — from credit model details to high-level product strategy.</li> <li>You move fast, take ownership, and communicate clearly.</li> </ul> <h3 data-start="2597" data-end="2629">What You’ll Get From Us:</h3> <ul> <li>A seat at the table to help shape the future of Alt and the alternative asset space</li> <li data-start="2741" data-end="2787">Autonomy and ownership on projects that matter</li> <li data-start="2790" data-end="2825">$100/month work-from-home stipend</li> <li data-start="2828" data-end="2857">$200/month wellness stipend</li> <li data-start="2860" data-end="2883">WeWork office stipend</li> <li data-start="2886" data-end="2914">401(k) retirement benefits</li> <li data-start="2917" data-end="2943">Flexible vacation policy</li> <li data-start="2946" data-end="2976">Generous paid parental leave</li> <li data-start="2979" data-end="3056">Competitive healthcare benefits, including HSA, for you and your dependent(s)</li> </ul> Base salary range: $170,000 - $180,000, plus equity. Offers may vary based on experience, location, and other factors.

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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...

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