Product Manager – Credit Bureaus (Remote)

Build the data layer powering the future of debt intelligence.

Spinwheel is on a mission to reinvent how consumers manage debt, make lending work for them, and move faster than anyone thinks is reasonable. Our platform helps people save time, money, and stress by giving them the tools and intelligence needed to improve their financial outcomes — all powered by deep integrations with credit bureaus.

Credit bureau data is one of the most important ingredients in Spinwheel’s product strategy. Bureaus offer a wide spectrum of products, attributes, scores, and specialty datasets — each with different strengths, gaps, compliance requirements, and integration patterns. As we scale our debt intelligence engine, expand bureau-powered features, and deepen our partnerships, we're hiring a Product Manager who will own Spinwheel’s bureau strategy end-to-end.

This is a high-impact, deeply technical, data-heavy PM role for someone who understands the nuances of credit bureau data — and can turn that expertise into magical consumer outcomes.

What You’ll Own

1. Own Spinwheel’s Credit Bureau Strategy

• Build and refine our bureau roadmap across Equifax, Experian, TransUnion, and specialty/alternative bureaus.
• Evaluate bureau offerings (attributes, scores, decisioning tools, fraud products, income estimates, and more) and determine how they map to Spinwheel’s long-term strategy.
• Create frameworks to compare bureau datasets, pricing, latency, accuracy, and vertical strengths.
• Partner with leadership to define diversification, redundancy, and cost optimization strategies.

2. Lead End-to-End Bureau Integrations

• Own the full integration lifecycle — from vendor evaluation and scoping to API architecture, data validation, rollout, and monitoring.
• Define integration requirements, error handling, data normalization rules, and reconciliation processes.
• Work with Engineering and Data to ensure clean ingestion, mapping, standardization, and parity across bureaus.
• Track success metrics including uptime, data quality, match rates, latency, and reliability.

3. Build Bureau-Powered Products Across the Debt Lifecycle

• Design features and intelligence that leverage bureau data for:
  • Liability identification & enrichment
  • Underwriting inputs & data prep
  • Debt reduction insights
  • Repayment optimization & modeling
  • Credit improvement recommendations
• Translate bureau capabilities into user-facing value that improves savings, outcomes, and financial health.

4. Drive Compliance, Permissible Purpose, and Data Governance

• Partner with Compliance & Legal to operationalize FCRA alignment, data retention, user disclosures, and bureau contract requirements.
• Ensure data flows, product behavior, and user journeys reflect permissible purpose and auditability needs.
• Define data quality monitoring, reconciliation routines, issue classification, and bureau dispute workflows.

How You’ll Use AI

We want someone who treats AI as an essential tool to unlock capacity and ideate quickly. You’ll use AI to increase team velocity, unlock faster insights, and uplevel how Spinwheel builds product.

Examples of how you’ll apply AI:

• Agile & Delivery: Auto-generate user stories, acceptance criteria, and test plans for bureau-driven features. Create quick prototypes, generate simulated bureau decisioning flows, and model user journeys.
   
• Research & Analysis: Summarize bureau product docs, compliance requirements, and market intel. Compare bureau attribute sets, identify duplicates or mismatches, and produce normalized schemas.

• Data Work: Analyze bureau datasets, reconcile variations across bureaus, and surface insights faster. Build AI-powered internal tools to assist with mapping, data categorization, and automated validation.
   
• Automation: Streamline repetitive PM tasks and create AI-powered internal workflows. Generate dashboards, reporting templates, partner summaries, and integration documentation.

You Might Be a Fit If You…

• Have extensive experience with credit bureaus—data products, integrations, APIs, attributes, compliance, and use cases
   
• Have shipped financial products in fast-paced startup or high-velocity environments
   
• Use AI tools to actually ship more, faster, and better
   
• Are technical enough to work closely with engineers and data teams
   
• Are customer-obsessed and able to make the right trade-offs in regulated spaces
   
• Get energized by messy, complex, high-impact problem spaces—especially debt, lending, and credit infrastructure

Logistics

• Level: Open to PM or Senior PM level depending on experience
   
• Location: Fully remote (U.S. time zones preferred)
   
• Experience: Fintech, credit bureaus, APIs, or AI systems experience strongly preferred
   
• Culture: Ambitious, mission-driven, and unafraid to build what hasn’t been built before
   

We’re a mission-first team with a bias for action. If you're excited to build at the intersection of product, credit bureau data, AI, and fintech—let’s talk.