Product Manager - Collect
As a Product Manager, you'll play a vital role in our Product Management team, driving corporate strategy, product-level P&Ls, and operating rhythms. You'll oversee the product roadmap, Go-To-Market strategy, and pricing for a product or set of products. Acting as an intermediary between market/business requirements and engineering, you'll advocate for the product internally and lead the product team to make informed business decisions.
Responsibilities
Discovery & Product Delivery
Own the roadmap for MeridianLink Collect, our cloud-based collections and recovery platform serving credit unions and community banks.
Lead continuous discovery with collections managers, VPs of Collections, collectors, and compliance officers at financial institution partners - using interviews, usage analytics, and performance data to identify high-value problems worth solving.
Write crisp, well-reasoned PRDs and user stories covering the full delinquency lifecycle: early-stage (Day 1-30) outreach, mid-stage queue prioritization, workout and promise-to-pay arrangements, repossession, bankruptcy, charge-off, and post-charge-off recovery.
Drive agile delivery ceremonies and maintain a healthy, well-prioritized backlog aligned to team OKRs, balancing net-new capability against platform health and security work.
Define and monitor product KPIs that matter in collections - recovery rate, cost-per-recovered-dollar, roll rate and cure rate by stage, right-party contact rate, collector productivity, and charge-off avoidance - and use them to inform prioritization and demonstrate business impact.
Cross-Functional Collaboration
Partner with Engineering, UX, Sales, Customer Success, Implementation, and Compliance to drive alignment and unblock delivery.
Serve as the collections domain expert - representing FI needs internally and translating collector workflow reality into clear requirements.
Partner with Sales, Marketing, and Customer Success on positioning, enablement, and proof points for the area you own.
Contribute to team-level strategy discussions, including how Collect fits alongside the other products in our consumer lending portfolio.
Partner with Compliance, Legal, and Security to translate evolving regulatory guidance into configurable platform controls that FIs can operate confidently - recognizing that our clients are examined on how they use the platform, and our job is to make the compliant path the default path.
Innovation & Domain Expertise
Assess where emerging technology genuinely improves recovery outcomes and collector effectiveness versus where it adds cost, risk, or complexity - and build the case for the opportunities worth pursuing.
Own product thinking for a broad integration surface spanning core banking platforms and third-party vendors across payments, skip tracing, e-signature, repossession, credit bureaus, and print/mail.
Stay current on consumer collections trends, delinquency and charge-off dynamics for community FIs, competitive movement in the collections and recovery space, and regulatory developments materially affecting collections practice.
Qualifications
Required
Bachelor's degree and 2+ years of relevant product management experience.
Proven track record of owning a product area end-to-end - discovery, definition, delivery, and iteration.
Experience managing API-integrated software products with multiple stakeholder groups.
Strong command of agile methodologies and modern product discovery practices (Jobs-to-Be-Done, continuous discovery, etc.).
Analytical mindset - comfortable using data and product analytics tools to drive decisions and measure outcomes.
Exceptional written and verbal communication skills; able to simplify complexity and align diverse stakeholders.
Deep customer empathy - you've invested real time understanding users and translated those insights into shipped improvements.
Comfort operating in a regulated product domain where a design decision can create compliance exposure for a customer.
Strongly Preferred
0-to-1 experience - you've taken a product, module, or major capability from a blank page to a live, revenue-generating offering, and you're comfortable with the ambiguity, scrappy validation, and pilot-customer wrangling that comes with defining something before there's a playbook for it.
Direct collections, recovery, loss mitigation, or default servicing domain experience - you understand queue-driven collector workflows, delinquency stages and roll rates, promise-to-pay and workout mechanics, and what actually happens on a collections floor.
Working knowledge of the collections regulatory stack - FDCPA and Regulation F (including 7-in-7 contact limits and time-of-day restrictions), TCPA consent and revocation, SCRA/MLA servicemember protections, FCRA/Metro 2 furnishing and dispute handling, UDAAP, and CFPB supervisory expectations - with a sense for which requirements belong in configuration versus hard-coded controls.
Experience building compliance-by-design product capabilities: automated contact-limit enforcement, opt-out and preference management, consent tracking, and audit trails that hold up under examination.
Experience with bankruptcy, repossession, charge-off, or post-charge-off workflows, including third-party collection agency placement and recovery vendor management.
Familiarity with core banking integration patterns (Symitar/Episys, Fiserv DNA, Corelation/Keystone, FIS) and the batch-plus-API reality of keeping account data current.
Familiarity with payments and money-movement products - ACH and card rails, Reg E error resolution, and PCI DSS constraints on cardholder data.
Exposure to AI/ML in product contexts - you've thought carefully about where intelligent automation adds genuine value versus hype, and how to keep model-driven decisions defensible in a regulated workflow.
Experience working with or selling to banks, credit unions, or other regulated financial institutions, and comfort presenting to examiner-facing stakeholders like compliance officers and internal audit.