Description : Product Manager - Small Business Lending (LOS) & Agentic AI

Experience : 8-15+ Years in Banking/FinTech Lending Product Management

Employment Type : Full-Time

About the Role :

We are seeking an experienced Product Manager to lead the strategy, roadmap, and delivery of our Small Business Lending (SBL) Platform, supporting multiple lending products including Working Capital Lines of Credit (LOCs), Term Loans, and Small Business Digital Lending journeys. This product will transform how banks originate, underwrite, approve, and fund small business loans using configurable lifecycle automation, workflow builder nodes, and Agentic AI to modernize underwriting, credit policy assessment, spreading, and decisioning.

This role requires deep lending domain expertise and the ability to translate complex credit policies, regulatory obligations, and underwriting processes into a modern, automated, digital-first product experience for banks, lenders, and business borrowers

Key Responsibilities :

Product Strategy & Ownership :

- Define the product vision, roadmap, and success metrics for Small Business Lending across Term Loans, Working Capital LOCs, and future business credit products.

- Conduct competitive and market research across SBL platforms (nCino, Numerated, Finastra, Jack Henry, Q2, Nav, Fundbox, BlueVine, etc.) to drive differentiation.

- Drive an AI-first roadmap leveraging Agentic AI to automate underwriting tasks, credit memos, spreading, policy-based reasoning, borrower assistance, and lifecycle orchestration.

Core Product Capabilities You Will Lead :

- Current AI and Lending Automation (Enhancement & Expansion)

- Cync AI Assistant Enhancements : Voice + chat + UI-based agent that provides policy-guided responses, next-step recommendations, and underwriter assistance.

- Spread Record Creation & Automation : Automate spreading based on uploaded financials, normalize formats, calculate ratios, and generate TTM/YTD/YoY analytics.

- Automated Cash Flow Analysis on borrower applications and financials.

- Credit Memo Generation Automation for underwriter-ready submissions.

- Adverse Action Letter Generation with regulation-compliant templates.

- Lifecycle Automation Low-Code Lending Flow Configurations

- Customer Invitation Flow

- Pricing Automation Node

- Task Assignment & Follow-Up Automation

- Review & Approval Task Workflow

- Map Files & Spread Creation Node

- Fees & Charges Automation

- Pledging Collateral Automation (UCC, lien checks, collateral setup)

- Stage Progression Automation (Initial Review , Spreading , Underwriting , Approval , Closing , Funding)

- Approval Agent Automated decisioning rules & AI reasoning for approvals/conditions/exceptions

- Document & Agreement Generation Node

- Disbursement Details Capture Node

- Closing Node

- Booking Node

- Funding Node

- Record / Back-Office Enhancements

- UI for reviewing entire end-to-end lifecycle automation flow.

- Add transparency into each automation step, execution status, overrides, and exceptions.

- Ability to trigger automation manually when needed.

- Real-time notifications, alerts, and audit logs for each node execution.

- Customer Portal

- No-Login Application for frictionless pre-qualification.

- View and compare multiple small business loan products.

- Streamlined Pre-Approval and eligibility workflows

Execution & Delivery :

- Write high-quality PRDs, user stories, acceptance criteria, and regulatory requirements.

- Partner with Engineering, AI/ML, Credit Risk, Legal/Compliance, UX, and Implementation teams to deliver platform capabilities.

- Lead backlog prioritization, roadmap governance, and sprint execution with clear KPIs.

- Ensure platform supports bank-grade compliance across small business lending : Reg B, Fair Lending, ECOA, UDAAP, KYC/CIP, AML/BSA.

Agentic AI Responsibilities :

- Integrate AI Agents to handle repetitive underwriting and operations tasks such as data extraction, spreading, risk assessment, borrower communication, conditions clearing, and credit memo drafting.

- Embed AI-driven reasoning for exceptions and policy interpretation aligned to bank credit policy rules.

- Enable autonomous underwriter helper agents that can :

1. Analyze statements

2. Identify variances & risks

3. Recommend conditions

4. Draft approval paths

- Identify missing documents and request them automatically

Required Skills & Experience :

- 8-15+ years of Product Management experience in Small Business Lending, Business Banking, or Lending Digital Platforms.

- Strong understanding of SBL underwriting, risk, spreading, pricing, collateral, and policy-driven decisioning.

- Hands-on experience with LOS, commercial lending workflows, or business lending products (LOCs, term loans, SBA optional).

- Ability to translate credit policies into system rules, workflows, and automation logic.

- Familiarity with workflow builders, decision engines, automation platforms, and AI/ML-based underwriting.

- Experience driving end-to-end digital lending transformation for financial institutions.

Preferred / Nice to Have :

- Exposure to SBA 7(a), 504, or government-backed small business lending.

- Experience with Agentic AI tooling, workflow orchestration, or generative AI products.

- Experience integrating with credit bureaus, fraud/KYC/KYB, banking cores, and collateral systems.

- Background working with FinTech or SaaS lending platforms

What We Offer :

- Opportunity to shape a next-generation, AI-first Small Business Lending platform used by banks, credit unions, digital lenders, and alternative finance institutions.

- Lead a product that blends workflow automation, embedded compliance, decisioning, and AI-powered underwriting assistance.

- Competitive compensation with a clear growth path to Director of Product Lending & AI.