Product Manager

Who We’re Looking For

Toyota Financial Services is looking for a product manager who is obsessed with the customer, makes decisions with data, and moves with the urgency of a startup inside one of the world’s most trusted brands.

This isn’t a project management role. You won’t be taking requirements from the business and handing them to engineering. You’ll be an individual contributor product manager owning the originations experience end-to-end and, more importantly, you’ll reimagine it. Loan origination is one of the most entrenched, friction-heavy processes in financial services — layers of paperwork, hand-offs, and waiting that customers have simply learned to tolerate. We want someone who looks at that legacy process and sees how much of it can be simplified, automated, or removed entirely, then makes it happen.

We’re looking for someone with a strong point of view on what modern origination should feel like — fast, transparent, and built around the customer rather than the institution — grounded in a real understanding of how lending works underneath. You’ll talk to real customers, dig into the data to find where the experience breaks down, and make hard trade-off decisions with incomplete information.

If you’ve thrived in a startup or early-stage product environment and yet can navigate, anticipate and address the needs of a large enterprise, this is the role.

What You’ll Be Doing

• Own the vision and implementation of the credit decisioning experience — the soft credit pull, the approval engine that determines loan amount, LTV, and rate tier, conditional data collection, co-borrower support, and clear handling of denials and next steps

• Own fraud and identity — partner with risk and fraud teams to define the identity verification and fraud-detection checks that protect customers and the business without adding friction for legitimate applicants

• Own the compliance foundation — ensure every credit decision and disclosure is defensible and meets regulatory requirements (TILA, ECOA, Fair Lending, CFPB), partnering closely with legal and compliance

• Own the product quality, testing strategy, and validation of business outcomes before release. Define success metrics beyond conversion (i.e.: Time-to-fund, Cost-per-origination, dealer experience satisfaction etc.)

• Talk to customers regularly — run usability tests, join discovery interviews, and use what you learn to shape the product

• Define product strategy through Press Release + Frequently Asked Questions (PR/FAQs) and Product Requirements Documents (PRDs) that articulate the customer problem, the solution, and how we’ll measure success

• Make prioritization decisions based on data, customer feedback, and business impact — not opinions or stakeholder loudness

• Partner with engineering and design — you bring the “what” and “why,” they bring the “how”

• Ship incrementally — define releases, set acceptance criteria, and get working software in front of users fast

• Instrument everything — define success metrics for approval rates, funnel conversion, and risk, build dashboards, and use data to decide what to build next

What You Bring

• 7+ years of product management experience on digital products related to financing

• Deep understanding of loan originations and consumer lending — how credit decisions get made, how risk is priced, and what drives approval, funding, and loss

• Experience with credit decisioning, underwriting, or approval systems — you understand the mechanics behind a lending decision, not just the customer-facing surface

• Ability to drive strategic direction to increase auto decisioning and counter offers as we expand to support full spectrum credit to our customers

• Strong collaboration with business subject matter experts (SMEs) to close out open questions and business decisions to unblock the product, UX and engineering teams to maintain product development momentum

• Solid stakeholder management, including navigating conflicting priorities and facilitating trade-off discussions and business decisions

• Strong written communication — you can write a clear product brief that engineering, design, and business stakeholders all understand

• Startup mindset with enterprise polish — you’re comfortable with ambiguity, you move fast, but you can bring along critical stakeholders with patience and confident leadership

• Experience with fraud and identity — you understand how fraud and identity-verification systems work and how to balance risk controls against customer friction

• Working knowledge of lending regulation and compliance (TILA, ECOA, Fair Lending, CFPB) — enough to partner credibly with legal and hold a high bar on defensibility

• Hands-on with data — you’re comfortable digging into large datasets, writing queries, and working with aggregations to understand approval, funnel, and risk behavior yourself, not waiting on a report

• Track record of shipping products that customers actually use — not just features that got deployed

• Experience working directly with engineering teams in an agile environment in order to ensure that what is built matches your vision in the most effective way

• Passion for modern product management practices and AI-powered tooling — you actively explore how AI can accelerate discovery, analysis, and delivery

Added bonus if you have

• Experience in automotive finance, fintech, lending, or marketplace products

• Experience with soft and hard credit pull integrations and credit bureau data

• Experience with Kiro, AI/ML-powered decisioning, risk, or fraud models

• You’ve written a PR/FAQ or similar “working backwards” product document

What We’ll Bring

During your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include:

• A work environment built on teamwork, flexibility, and respect

• Professional growth and development programs to help advance your career, as well as tuition reimbursement

• Team Member Vehicle Purchase Discount

• Toyota Team Member Lease Vehicle Program (if applicable)

• Comprehensive health care and wellness plans for your entire family

• Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute (if applicable)

• Paid holidays and paid time off

• Referral services related to prenatal services, adoption, childcare, schools, and more

• Tax Advantaged Accounts (Health Savings Account, Health Care FSA, Dependent Care FSA)

• Relocation assistance (if applicable)