Senior Product Manager, Account Opening at Clutch

About the Role

We are hiring a Senior Product Manager to own the Account Opening funnel: how new members discover, begin, and book an account application with our credit union partners. Clutch already automates the decision itself, with more than 80% of applications requiring no human touch, whether that means a strong applicant is approved or fraud is denied. The work now centers on everything surrounding that decision.

Your goal is to maximize the funnel and help our credit union partners drive more high quality, intent driven traffic into the experience. When a credit union spends marketing dollars to bring in their members, understanding how that spend performed, why, and what to do next is as critical as serving the members who convert.

About the Team

This role reports to the Director of Account Opening. You will not own a dedicated squad; you will deliver your roadmap through our existing Account Opening teams. Earning their trust and setting priorities they buy into matters as much as your product judgment. We have four engineering squads that specialize in various areas of the architecture, so coordination, planning, prioritization, and execution are all critical.

Our Product Team is a mix of people in the United States and Brazil, and our engineering staff is located entirely within Brazil. We work closely together and generally try to get the teams together once or twice a year.

What You Will Do

Within 1 month, you will:

• Develop context about Clutch's approach to account opening and how our product works.
• Begin meeting with partners to hear about their experiences with the product.
• Shadow implementations to see how our products are deployed and configured in real time.

Within 3 months, you will:

• Learn the account opening funnel, our credit union partners, and where applicants drop out, step by step, by partner and by channel.
• Put numbers on the baseline: application completion by partner, abandonment by funnel stage, and how much campaign attribution actually exists today.
• Bring leadership your first prioritized read on where the conversion and attribution gaps are.

Within 6 months, you will:

• Own the acquisition and onboarding roadmap, with priorities and tradeoffs you set and defend to senior leadership.
• Ship your first conversion improvement and show the movement. Our best partners convert far better than our median partner, so knowing why, from which features, and driving adoption will be a primary measure of success.
• Get attribution instrumentation live with the first partners, the plumbing that connects a campaign to the applications it produced.
• Start the build, buy, or partner evaluation of the attribution and campaign tooling market.

What You Will Bring

• 5+ years of product management in a B2B or B2B2C environment, including ownership of an acquisition, conversion, or growth outcome with a number attached to your name.
• Funnel work at scale: you have instrumented drop off, run experiments, and you know the difference between widening a funnel and degrading its quality.
• Working knowledge of marketing attribution and campaign measurement, including UTM and event pipelines, cost per acquisition math, and the vendors who sell it.
• You have delivered through teams you did not control: set priorities, made tradeoffs, and got buy in across squads and senior leadership.
• You pull and question your own numbers, and you have defined metrics and outcomes from scratch.
• You have run a build, buy, or partner evaluation and defended the recommendation.
• You communicate priorities, timelines, and tradeoffs to senior stakeholders plainly.
• Fintech, banking, or credit union experience is a plus; what matters is learning the domain fast.
• You use AI tooling natively as part of your product workflow.

What Is In It For You

• Remote Flexibility: Enjoy the freedom of remote work from anywhere, balancing life and career seamlessly.
• Unforgettable Off Sites: Twice a year, bond with colleagues in exciting destinations, fostering teamwork and fresh ideas.
• Paid Time Off: Enjoy flexible PTO days yearly for relaxation and rejuvenation.
• Stock Options: Joining us means having a stake in our success, so you will receive stock options as part of your compensation package.
• Home Office Setup: Create your ideal workspace with a dedicated budget for home office essentials.
• Work Trip Budget: Grow personally and professionally with a budget for work related trips and co-working.
• Health Coverage: Prioritize your well being with comprehensive health and dental insurance plans.

About Us

Clutch is a vertical SaaS company, backed by Andreessen Horowitz (A16z), aimed at revolutionizing the way Credit Unions engage and change the lives of their members. As a champion of financial well being, we address the urgent need for affordable lending solutions in an era where the average American grapples with over $155,000 in household debt. Unlike traditional financial institutions, Clutch develops software to turn Credit Unions into FinTech lenders and leverage their balance sheets to responsibly lend to over 130M Americans.

Our mission extends beyond financial transactions; we strive to fundamentally enhance the way credit unions interact with their members. By integrating cutting edge technologies and user centric designs, we help credit unions provide seamless digital experiences that are on par with leading tech companies. This approach not only preserves but revitalizes the longstanding tradition of community and member focused service inherent to credit unions.

Clutch is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Our organization participates in E-Verify.

A Note About AI at Clutch

We love AI. We use it often and encourage our team to creatively and effectively leverage AI tools in their work. If you join Clutch, we hope you will bring the same enthusiasm for exploring how AI can amplify impact, productivity, and innovation. That said, during the interview process, we want to hear your thoughts. Please approach interviews without the use of AI tools, as our goal is to get to know how you think, solve problems, and communicate. Once you are in the seat, bring on the prompts!