Sr. Product Manager - Credit, Compliance & Fraud

Who We Are: NCC is a leader in providing award-winning software, credit and compliance solutions, and cutting-edge data to the automotive industry for over 30 years. Our solutions help dealerships streamline their operations, enhance their finance and insurance (F&I) processes, and drive profitability. We are looking for individuals who thrive in a high-growth environment. Overview: We are seeking an experienced Senior Product Manager to own Credit, Compliance & Fraud (CCF), the pillar that protects every transaction on the NCC platform, which serves automotive dealerships nationwide. You will share equal ownership across three disciplines: credit decisioning, compliance automation, and fraud prevention, ensuring that dealers and lenders can move fast without taking on unacceptable regulatory or fraud risk. This is a high-impact role for an experienced product leader who thrives on regulatory nuance, AI-native product delivery, and the protection of dealers and lenders while enabling growth across the automotive retail and finance ecosystem. What You’ll Do: Credit Decisioning Own the roadmap for credit decisioning capabilities that connect dealerships to lenders. Partner with lenders and credit bureaus to improve approval speed and accuracy. Define success metrics for decisioning speed, accuracy, and approval rates. Compliance Automation Ensure FCRA, TCPA, ECOA, and TILA requirements are built into every release, not bolted on after the fact. Partner with Legal and Compliance to evaluate new regulatory guidance and translate it into product requirements. Own compliance sign-off and audit-readiness for every CCF release. Fraud Prevention Own the roadmap for fraud detection and prevention capabilities that protect dealers and lenders from identity theft and application fraud. Define success metrics tied to fraud loss reduction and false-positive rates. Partner with fraud operations to translate emerging fraud patterns into product requirements. AI-Native Delivery & Execution Ship AI-native capabilities, features where AI is the core value proposition, not a bolt-on, across credit, compliance, and fraud workflows. Conduct dealer and lender interviews to surface unmet needs across all three disciplines. Write clear specs and acceptance criteria for the dedicated CCF Engineering Pod. Partner with adjacent product teams so CCF strengthens the broader platform and deal experience. What You’ll Have: Experience: 5-8 years of product management experience, with direct experience in credit decisioning, compliance automation, and fraud detection. AI-Native Delivery: Proven track record of shipping AI-native products, not managing AI efforts from a distance. Regulatory Fluency: Hands-on experience with FCRA, TCPA, ECOA, and TILA compliance requirements. Current AI Tool User (non-negotiable): Must be actively using AI tools (e.g., ChatGPT, Claude, Copilot, Cursor, v0) in your work today, not just "familiar with" them Industry Background (non-negotiable): Direct experience in automotive retail, dealer software, or closely related regulated fintech/lending. Technical Literacy: Comfortable with SQL, dashboards, and product analytics tools. Education: Bachelor's degree in Business, Engineering, Computer Science, or a related field required. Key Success Metrics: Credit decisioning speed and accuracy at the point of transaction. Reduction in compliance exceptions across FCRA, TCPA, ECOA, and TILA. Reduction in fraud losses and false-positive rates. Successful delivery of AI-native CCF capabilities across all three disciplines. What We Offer: Competitive pay Unrestricted PTO Comprehensive benefits package, including health, dental, and vision insurance. 401(k) plan Professional development opportunities and continuous training. A supportive and dynamic work environment with opportunities for growth and advancement. We are an equal employment opportunity employer and a drug-free workplace . Texting Privacy Policy and Information: You may receive text messages regarding your application and potentially regarding interview scheduling. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes Message frequency will vary depending on the application process. Msg & data rates may apply. OPT out at any time by texting "Stop".