Job Description

About the Role

We're looking for a Senior Product Manager to own the Account Opening funnel: how new members find, start, and book an account application with our credit union partners. Clutch already automates the decision itself — more than 80% of applications never require a human touch, whether that's a good applicant approved or fraud denied. The work now is everything around 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, knowing how that money performed, why, and what to do next is as critical as taking care of ones the convert.

About the Team

This role reports to the Director of Account Opening. You won't own a dedicated squad; you'll 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. Coordination, planning, prioritization, and execution are all critical. Our Product Team is a mix of folks in the United States and Brazil, and our engineering staff is located entirely within Brazil. We work closely together and will generally try to get the teams together once or twice a year.

What You’ll Do

Within 1 months, 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, 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; 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/partner evaluation of the attribution and campaign-tooling market

What You’ll 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've 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 — UTM and event pipelines, cost-per-acquisition math, and the vendors who sell it
• You've delivered through teams you didn't control: set priorities, made tradeoffs, got buy-in across squads and senior leadership
• You pull and question your own numbers, and you've defined metrics/outcomes from scratch
• You've run a build/buy/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
• Uses AI tooling natively as part of your product workflow

What’s 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'll 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 revolutionary vertical SaaS company, proudly 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 mere 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.

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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'll 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—our goal is to get to know how you think, solve problems, and communicate. Once you're in the seat, bring on the prompts!