We’re looking for a systems thinker who thrives at the intersection of complex backend logic and human centered design to join our Product team as a Product Manager or Senior Product Manager.

The impact you’ll make:

You’ll drive forward our mission of empowering people to unlock financial progress by stripping away the friction that prevents our members from using their credit when it matters most. 

You will take ownership of the invisible 90 percent of the product (the backend authorizations, tokenization, and vendor integrations) and ensure it translates into a flawless experience for the 10 percent the customer actually sees. 

As Product Manager or Senior Product Manager, Card Management you will:

• Chart the path for our tokenization strategy, specifically leading the charge on providing frictionless and secure options for our customers to use their cards via digital wallets, virtual cards, etc. 
• Work alongside the Fraud team and TSYS partners to smooth spending roadblocks like security holds due to suspicious activity or unexpected declines because the credit limit was exceeded.
• Build intuitive self service flows for replacement cards, ensuring a missing piece of plastic doesn't stop a customer’s progress. 
• Launch an instant issuance experience for replacement cards so that our members can access their credit digitally without having to wait for a physical card to arrive.
• Take charge of transaction enrichment, choosing the right vendors to turn confusing billing strings into clear information customers recognize.
• Reduce the need for customer support by shipping card delivery improvements that proactively answer the question: where is my card?
• Build a roadmap that balances rapid backend iterations with the high stakes requirement of card network reliability.

Minimum Qualifications:

• 3+ years in a Product Management role.
• Experience managing products within the credit card or financial services ecosystem, specifically dealing with authorizations and the customer spending journey.
• A working knowledge of card processors like TSYS and how to navigate the requirements of networks like Visa.
• Direct experience collaborating with Fraud or Risk teams to build requirements that keep accounts safe without making them hard to use.
• To be considered for the Product Manager level, you have a history of taking ownership of defined product areas, using rigorous logic to solve problems, and navigating roadblocks with minimal guidance.
• To be considered for the Senior Product Manager level, you have a track record of influencing strategy across multiple interconnected teams, identifying process risks before they impact the business, and leading high stakes, cross functional initiatives from concept to launch.

Preferred Qualifications:

• Hands-on experience with tokenization, including digital wallet provisioning or virtual card issuance.
• Previous success in transaction data cleansing or working with enrichment vendors.
• A background that includes both deep backend infrastructure and the front end communications that guide a customer’s next steps.
• Proven ability to act as a settling influence during technical shifts or vendor transitions.

Compensation:

Annual full time starting base salary range:

• Product Manager: $115,000 to $123,000
• Senior Product Manager: $125,000 to $152,000

This role is eligible for participation in our annual incentive and equity programs. 

Pay is based on work experience, education, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, including paid time off, 401(k) match, a monthly wellness stipend, health, dental, and vision options, paid parental leave, and a remote friendly work environment.

We’re looking for a rigorous, proactive, and collaborative financial leader to join our Finance Team as a Senior Manager, FP&A.

The impact you’ll make:

You’ll drive forward our mission of empowering people to unlock financial progress by leading the quarterly financial forecast process end-to-end, owning the operating budget cycle, and leading the monthly ACL reserve calculation — all while serving as primary financial partner to senior leaders across Credit, Growth, and Operations.

You will translate complex portfolio data into actionable insights that guide executive-level investment decisions, ensuring we remain financially resilient as we expand our reach to underserved consumers. This role offers you the chance to help scale the financial infrastructure of a maturing fintech while directly influencing the strategy behind our next chapter of expansion.

As Senior Manager, FP&A you will:

• Lead the annual operating budget process by partnering with business leaders to align financial targets with our corporate strategy
• Develop quarterly rolling financial forecasts to address market volatility and shifts in business strategy
• Lead budget and forecasting conversations with senior leadership
• Manage complex, driver-based financial models to forecast business performance under various scenarios
• Conduct deep-dive variance analyses to identify root causes of over or underperformance and present insights to business leaders
• Oversee the development of monthly financial review packages that highlight key performance indicators for the CFO and Board, turning data into clear narratives
• Leverage EPM software like Workday Adaptive to automate repetitive processes and enhance data integrity
• Partner with technical and non-finance groups to help them understand the financial implications of operational decisions
• Provide ROI and payback analysis on new business initiatives to ensure we are investing in the right areas for our customers
• Serve as a mentor and coach to junior analysts, fostering their professional development as the team grows

You’ll thrive in this role if:

• You've built driver-based financial models from scratch and you're still energized by getting into them, even after years of experience.
• You can join a virtual meeting with a senior leader you've never met in person and leave having shaped how they think about their budget.
• You're genuinely curious about what AI can do for financial modeling and you've started exploring what's possible.
• You've coached or mentored analysts and you're ready to grow into that more formally as the team expands.
• You do your best work when the path isn't fully defined yet.

Minimum Qualifications:

• Bachelor's degree in Finance, Economics, or a related quantitative field
• 5+ years of experience in financial analysis and modeling within the financial services or fintech industry
• Proven track record of building rigorous analytics or financial infrastructure from the ground up
• Experience modeling GAAP financial statements (Income Statement, Balance Sheet, and Cash Flow)
• Ability to use data as an investigative tool to analyze performance variances and drive efficiencies
• Strong project management skills with experience executing complex financial projects in a fast-paced environment
• Strong interpersonal skills with the ability to build cross-functional relationships and influence outcomes effectively
• Ability to travel for high-impact in-person collaboration a few times a year (typically 4–6 trips annually)

Preferred Qualifications:

• Previous experience in the credit card or financial services industry
• At least 3 years of experience managing an FP&A function
• Experience with direct or indirect people management and coaching
• Proficiency with EPM tools (Workday Adaptive, OneStream, etc.) and data tools like SQL or Python for automation
• A strong interest in leveraging AI to modernize traditional financial modeling

Compensation

Annual full-time starting base salary range: $170,000 - $190,000

This role is eligible for additional compensation in the forms of participation in our annual incentive and equity programs.

Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes paid time off, 401(k) match, a monthly wellness stipend, health/dental/vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-friendly work environment.

We're looking for a technical product thinker to join our Acquisitions Team as a Product Manager for Acquisitions Decisioning.

In this role, you will own the "brain" of our customer acquisition engine, managing the critical logic that assesses risk, verifies identity, and determines credit lines the moment someone hits "submit" on their credit application. 

The Impact You’ll Make 

You’ll drive forward our mission of empowering people to unlock financial progress by continuously refining our real-time decisioning infrastructure. You will bridge the gap between complex credit policies and technical execution to build a scalable, secure, and efficient decisioning platform. Your work will enable the Credit team to deploy new models with speed, reduce data costs without sacrificing accuracy, and ensure we scale safely by keeping fraud at bay. 

The Team & Environment

You’ll be part of a fast-paced, cross-functional team focused on optimizing the backend systems that drive our business growth. As the subject matter expert for our decisioning logic, you will operate with a high level of agency to drive alignment across Credit, Fraud, and Engineering. This role offers the opportunity to own high-stakes technical challenges, requiring you to prioritize based on data to balance risk management with a seamless user experience.

As Product Manager, Acquisitions Decisioning you will:

• Define and execute the product roadmap for our post-application decisioning engine, translating high-level strategic goals into detailed technical requirements and user stories.
• Partner with the Data, Credit, and Engineering teams to operationalize complex underwriting models, ensuring business logic is correctly translated into platform features that balance risk separation with speed-to-market.
• Optimize our portfolio of third-party data integrations to balance approval accuracy with unit economics and data costs.
• Collaborate with Fraud Operations to implement real-time defenses against synthetic fraud and identity theft attacks.
• Monitor the health of the decisioning platform to ensure high availability, low latency, and accurate error handling while maintaining a seamless customer experience.

Minimum Qualifications

• 3+ years of product management experience, with a focus on backend decisioning systems.
• Technical proficiency and the ability to have in-depth conversations with engineers about system architecture, APIs, and implementation trade-offs.
• Proficiency using SQL to query data, investigate decision logs, and analyze funnel performance.
• Proven track record of managing complex projects with dependencies across multiple different teams.
• Experience designing and running A/B tests.
• Strong analytical skills and experience using data to drive decisions and measure success.

Preferred Qualifications

• Experience working in fintech, lending, or financial services.
• Experience managing platform products that rely heavily on data exchange and API integrations rather than user interfaces.
• Operational experience preventing or managing fraud.
• Familiarity with credit bureau data or other identity verification services.

Compensation

Annual full-time starting base salary range: $115,000 - $127,000

This role is eligible for additional compensation in the forms of participation in our annual incentive and equity programs.

Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes paid time off, 401(k) match, a monthly wellness stipend, health/ dental/ vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-friendly work environment. 

About the Role

As a Senior Manager / Principal Data Scientist, you will innovate and improve the machine learning models we rely on to make billions of dollars of efficient and accurate decisions and to enable financial progress for our customers.

As a Senior Manager / Principal Data Scientist, you’ll:

Design, develop, and deploy machine learning models to solve practical problems and help our business and customers reach their financial goals. You’ll partner with business leaders and technical experts across the company to develop new data sources, improve our modeling methodology, and apply models with sound risk management.

You are a person who:

• Has created, deployed, and managed supervised learning models in production systems for vital applications and enjoys being a technical mentor
• Has a PhD in a quantitative field and 3+ years of experience in a related role 
• Has a BS / MS in a quantitative field and 7+ years of experience in a related role 
• You share best practices for software engineering and can help smart, experienced data scientists with complex technical problems - especially operationalizing and evaluating models for real-world applications
• Considers themself a generalist data scientist more motivated by practical solutions than theoretical elegance
• Practices solid fundamentals with software engineering (test-driven development, code review, refactoring) and the PyData stack (numpy, scikit-learn, pandas, etc.)
• Is interested in a wide range of ML solutions, including established tools (e.g. Spark, Kubernetes, Airflow, MLFlow), emerging tools (like Chalk, BentoML, or DVC), and developing in-house tools 

You get bonus points for:

• Experience managing a strong technical team
• Experience building predictive models end to end
• Experience solving problems in consumer lending or fintech
• Interest in developing ways to train, interpret, and deploy neural network architectures for time series classification tasks

We’re offering:

We’re committed to ensuring our team members have balance in their lives. Our comprehensive benefits package provides the support you need to thrive at work and at home.

• Work: An engaging culture with access to training programs and advancement opportunities
• Life: Full health, dental, and vision benefits, Flexible Spending Account (for medical and childcare expenses), paid parental leave, and a 401k Company Match
• Balance: Generous PTO, flexible schedules, a Calm App subscription, and more

Compensation

Annual full-time base salary range: $183,000 - 224,000

Additional compensation in the form(s) of participation in our annual incentive program and equity are dependent on role. Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes unlimited paid time off, 401(k) match, a monthly wellness stipend, health/ dental/ vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-friendly work environment.

About the Role

As a Staff Data Scientist, you will innovate and improve the machine learning models we rely on to make billions of dollars of efficient and accurate decisions and to enable financial progress for our customers.

As a Staff Data Scientist, you’ll:

Design, develop, and deploy machine learning models to solve practical problems and help our business and customers reach their financial goals. You’ll partner with business leaders and technical experts across the company to develop new data sources, improve our modeling methodology, and apply models with sound risk management.

You are a person who:

• Has created, deployed, and managed supervised learning models in production systems for vital applications and enjoys being a technical mentor
• Has a PhD in a quantitative field and 1+ years of experience in a related role 
• Has a BS / MS in a quantitative field and 5+ years of experience in a related role 
• Excels at cross-functional collaboration as technical expert to both business leaders and other technical teams. You approach problems with a solution-oriented mindset and can overcome the real-world challenges of managing data and applying models
• Considers themself a generalist data scientist more motivated by practical solutions than theoretical elegance
• Practices solid fundamentals with software engineering (test-driven development, code review, refactoring) and the PyData stack (numpy, scikit-learn, pandas, etc.)
• Is interested in a wide range of ML solutions, including established tools (e.g. Spark, Kubernetes, Airflow, MLFlow), emerging tools (like Chalk, BentoML, or DVC), and developing in-house tools 

You get bonus points for:

• Experience solving problems in consumer lending or fintech
• Interest in developing ways to train, interpret, and deploy neural network architectures for time series classification tasks

We’re offering:

We’re committed to ensuring our team members have balance in their lives. Our comprehensive benefits package provides the support you need to thrive at work and at home.

• Work: An engaging culture with access to training programs and advancement opportunities
• Life: Full health, dental, and vision benefits, Flexible Spending Account (for medical and childcare expenses), paid parental leave, and a 401k Company Match
• Balance: Generous PTO, flexible schedules, a Calm App subscription, and more

Compensation USD

Annual full-time starting base salary range: $147,000 - $179,000

This role is also eligible for additional compensation in the form(s) of participation in our annual incentive and equity program. Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes unlimited paid time off, 401(k) match, a monthly wellness stipend, health/ dental/ vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-friendly work environment.

About the Role

As a Principal Data Scientist, you will innovate and improve the machine learning models we rely on to make billions of dollars of efficient and accurate decisions and to enable financial progress for our customers.

As a Principal Data Scientist, you’ll:

Design, develop, and deploy machine learning models to solve practical problems and help our business and customers reach their financial goals. You’ll partner with business leaders and technical experts across the company to develop new data sources, improve our modeling methodology, and apply models with sound risk management.

You are a person who:

• Has created, deployed, and managed supervised learning models in production systems for vital applications and enjoys being a technical mentor
• Has a PhD in a quantitative field and 3+ years of experience in a related role 
• Has a BS / MS in a quantitative field and 7+ years of experience in a related role 
• You share best practices for software engineering and can help smart, experienced data scientists with complex technical problems - especially operationalizing and evaluating models for real-world applications
• Considers themself a generalist data scientist more motivated by practical solutions than theoretical elegance
• Practices solid fundamentals with software engineering (test-driven development, code review, refactoring) and the PyData stack (numpy, scikit-learn, pandas, etc.)
• Is interested in a wide range of ML solutions, including established tools (e.g. Spark, Kubernetes, Airflow, MLFlow), emerging tools (like Chalk, BentoML, or DVC), and developing in-house tools 

You get bonus points for:

• Experience building predictive models end to end
• Experience solving problems in consumer lending or fintech
• Interest in developing ways to train, interpret, and deploy neural network architectures for time series classification tasks

We’re offering:

We’re committed to ensuring our team members have balance in their lives. Our comprehensive benefits package provides the support you need to thrive at work and at home.

• Work: An engaging culture with access to training programs and advancement opportunities
• Life: Full health, dental, and vision benefits, Flexible Spending Account (for medical and childcare expenses), paid parental leave, and a 401k Company Match
• Balance: Generous PTO, flexible schedules, a Calm App subscription, and more

Compensation

Annual full-time base salary range: $183,000 - 224,000

Additional compensation in the form(s) of participation in our annual incentive program and equity are dependent on role. Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes unlimited paid time off, 401(k) match, a monthly wellness stipend, health/ dental/ vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-friendly work environment.

We’re looking for a strategic, product-led leader who thrives on building cohesive teams and driving transformative change to join our Product department as Senior Director, Consumer Product.

The impact you’ll make:

You’ll drive forward our mission of empowering people to unlock financial progress by aligning our consumer product team around a shared vision, fostering a culture of professional mastery, and leading our evolution into a product-led powerhouse. 

This is an opportunity to be a key architect of the next chapter of growth in a high-impact fintech. You won't just manage a team; you will refine and scale the blueprint for how Mission Lane thinks, builds, and innovates.

As Sr. Director, Consumer Product you will:

• Provide dedicated leadership and mentorship to develop a team of talented Product Managers.
• Define and execute a multi-year product roadmap for customer journeys that serve as a launchpad for potential, focusing on expanding what’s possible for people building better financial futures.
• Partner deeply with senior management across Engineering, Design, Data Science, and our AI/CX teams to ensure every feature is integrated, innovative, and impactful.
• Oversee the entire product lifecycle, from the "spark" of discovery to post-launch optimization, ensuring we move in weeks, not years.
• Work with abstract ideas and complex situations across functional areas to identify fundamental issues and provide clear strategic direction.
• Step into the arena when needed to provide extra capacity, leading by example to show what "great" looks like.
• Regularly communicate roadmap progress, risks, and performance wins with executive leadership, translating complex technical shifts into clear business value.

You’ll thrive in this role if:

• You anchor decisions in data and analysis.
• You aren't afraid to have candid conversations when the status-quo isn't working.
• You are the person who asks the right questions to get to the root of a problem.
• You take genuine joy in seeing your team succeed and grow.
• You prioritize building trust and unity across the organization.
• You don't just want to ship code; you want to see the tangible value and progress your work creates for customers' lives.

Minimum Qualifications:

• 10+ years in Product Management, with at least 5 years in a leadership role (Director level or above), ideally within fintech or high-growth consumer tech.
• Proven track record of managing complex customer journeys and consolidating product streams into a cohesive, winning vision.
• Demonstrated success in hiring, mentoring, and up-leveling the skills of high-performing Product Managers.
• A strong background in using data, A/B testing, and performance metrics to drive rapid iterations.
• The ability to simplify complex concepts into actionable insights for diverse stakeholders and represent the organization as a recognized authority.

Preferred Qualifications:

• Experience leading a team through a significant shift in methodology or organizational structure.
• A deep understanding of the challenges faced by consumers in the "credit-builder" space and a passion for social impact.
• Experience operating in an environment that scaled rapidly, managing the ebb-and-flow of a maturing product organization.

Compensation:

Annual full-time starting base salary range: $186,000 - $219,000

This role is eligible for additional compensation in the forms of participation in our annual incentive and equity programs. 

Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes paid time off, 401(k) match, a monthly wellness stipend, health/ dental/ vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-friendly work environment.