Technical Product Manager, Lending & Credit

<b>Overview</b><p>Technical Product Manager, Lending & Credit</p><p>Join to apply for the Technical Product Manager, Lending & Credit role at <b>Toptal</b>.</p><b>About Toptal</b><p>Toptal is the world’s leading premium talent marketplace, trusted by 30,000+ clients, processing over $5B in payments across 140+ countries. We’re launching Toptal’s next frontier: a borderless finance platform built on stablecoin rails to reinvent how millions of people manage, move, invest, and borrow money. Lending is a critical part of this mission. With contractors and freelancers underserved by traditional banks, this is your opportunity to help build lending products that redefine access to credit globally.</p><b>What you’ll do</b><ul><li>Work side-by-side with engineering, risk, compliance, design, and data in a lean, cross-functional team.</li><li>Translate customer needs and regulatory requirements into clear product flows and credit decisioning models.</li><li>Drive product development end-to-end, from discovery through rollout, shipping in weeks not quarters.</li><li>Manage integrations with underwriting partners, credit bureaus, and payment systems to deliver seamless borrowing and repayment.</li><li>Support credit product strategy to scale responsibly across multiple regions and regulatory frameworks.</li></ul><b>What we’re looking for</b><ul><li>5+ years of product management experience in fintech, with a focus on lending, BNPL, insurance, credit cards, or consumer finance.</li><li>Technical fluency - you understand APIs, data models, and lending systems and can translate them into clear specs.</li><li>Track record of delivering fintech products from concept to scale.</li><li>Experience managing credit risk and compliance requirements, working closely with risk, legal, and compliance.</li><li>Proven ability to collaborate with external providers (credit bureaus, banking partners, collections).</li><li>Data-driven mindset - you measure success by adoption, repayment, and portfolio performance.</li></ul><b>How you work</b><ul><li>Ownership mindset - you own outcomes, not just tasks.</li><li>Customer-first builder - you design borrowing experiences that are simple, transparent, and trusted.</li><li>High-velocity - you ship quickly, adapt fast, and balance short-term impact with long-term resilience.</li><li>Clarity over complexity - you simplify regulations, risk policies, and flows into intuitive experiences.</li><li>AI-native operator - you embrace AI to speed up analysis, decisioning, and execution.</li></ul><b>Bonus Points</b><ul><li>Launched salary-advance, BNPL, or credit card products.</li><li>Experience with bureau integrations, open banking, or alternative underwriting data.</li><li>Scaled lending products in regulated markets (EU, UK, US).</li><li>Worked with collections, recovery, or treasury teams to manage loan portfolios.</li></ul><b>What we offer</b><ul><li>Impact role - shape lending products that expand financial access for underserved global talent.</li><li>Move fast, no bureaucracy - high-trust environment, maximum autonomy.</li><li>Career-accelerating opportunity - build credit products at the exact moment stablecoins and global credit rails are converging.</li><li>Transparent, supportive culture - feedback flows freely, the best ideas win, and you’ll have the freedom to experiment, learn, and grow.</li></ul> #J-18808-Ljbffr