Product Manager

Overview Who we are Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like at Toyota. As one of the world’s most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We’re looking for talented team members who want to Dream. Do. Grow. with us. An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company- delivering on Toyota's vision to move people beyond what's possible. At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment. Toyota does not offer support or sponsorship of job applicants for employment-based visas or any other work authorization for this role now or in the future. You must have the right to work in the United States and not require Toyota support or sponsorship for immigration-related employment (e.g., H-1B, O-1, E-3, H-1B1, TN, F-1 OPT, F-1 STEM OPT, F-1 CPT, TN, (job flexibility benefits) (also known as I-140 or Adjustment of Status portability), etc.) now or in the future. You should not apply for this role if you will require Toyota to assist with immigration support or sponsorship now or in the future. 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 han ding them to engineering.   You’ll   be an individual   contributor   product manager   own ing   t he 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   m etrics   b eyond   c onversion   ( 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   P ress Release + Frequently Asked Questions ( PR/FAQs )   and   Product Requirements Documents   ( PR Ds )   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 d rive   strategic   direction   to increase auto decisioning and counter offers as we expand to support full spectrum cre dit   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   main tain   product development momentum   Solid stakeholder management, including   navigating conflicting priorities and   facilitating   trade-off discussions and   business   decision s   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 p