Junior Product Manager, Lending

About the Role

Clutch is on a mission to transform Credit Unions into fintechs — helping them deliver digital experiences that rival the best banks and lenders in the world.

As a Junior Product Manager on the Lending Application Intake team, you'll support the core member application experience that powers our lending platform. You'll work closely to deliver small features that improve the speed, accuracy, and usability of loan applications — from initial intake through decisioning.

This is a hands-on learning role where you'll develop the fundamentals of product management within a fast-paced fintech environment. You'll learn how digital lending works, how credit unions serve their members, and how to turn complex workflows into simple, delightful product experiences, driving impact to our credit union customers and their members.

About the Team

You'll join a high-talent density Product & Engineering org with a culture of ownership, speed, and judgment. PMs here work shoulder-to-shoulder with engineers and GTM peers, driving clarity and tough tradeoffs instead of waiting for direction.

This is a pivotal time at Clutch: we are on a strong growth path, and how we scale account opening in the next 12 months will define how Clutch builds durable company leverage.

What You'll Do

Within 3 months, you will:

• Learn the fundamentals of Clutch's Digital Lending experience, workflows, and customer personas.

• Partner with a Senior PM and triad partners (Design Engineering) to deliver small features and improvements e2e.

• Collaborate with engineering to validate features and ensure quality delivery.

• Shadow customer calls and internal standups to understand how fintech products serve real-world credit union needs.

Within 6 months, you will:

• Contribute to backlog refinement, writing crisp product specs, and maintaining feature documentation.

• Own a well-defined part of our product and lead quarterly planning for it with guidance from your manager.

• Analyze user feedback and product data to inform backlog prioritization.

• Present updates in demos and share learnings with your peers.

Within 9 months, you will:

• Independently manage a small product area or recurring improvement track

• Develop the ability to independently identify, scope, and propose enhancements that drive measurable customer impact.

• Turning urgent needs into repeatable, scalable systems

• Demonstrate growth in product judgment, cross-functional collaboration, and ownership mindset.

What You'll Bring

• Execution excellence: Proven ability to thrive in fast-paced environments; you bring urgency, energy, and follow-through. A strong signal is 2 years of PM experience in B2B or fintech environments.

• Collaboration skills: You partner across product, engineering, and GTM — holding the line on judgment while ensuring customers feel heard.

• Growth mindset: A growth mindset and willingness to receive and act on feedback to improve quickly.Please note that this role may evolve as our business needs change, so we appreciate your flexibility and adaptability.

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 and National Holidays: Enjoy 20 PTO days yearly and the National Holidays 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.

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.

Please note: This position is offered on a contractor basis. Applicants must have the necessary documentation and authorization to work in the country where the job is located. Clutch cannot provide sponsorship or assist with obtaining work permits for this role.

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