Spinwheel · 1 month ago
Product Manager - Credit Bureaus
United States
Full-time
Remote
Mid, Senior LevelSpinwheel is on a mission to reinvent how consumers manage debt, make lending work for them, and move faster than anyone thinks is reasonable. The Product Manager for Credit Bureaus will own Spinwheel’s bureau strategy, leading the integration of credit bureau data into the company’s products and ensuring compliance and data governance throughout the process.
Financial ServicesFinTechMobile PaymentsPaymentsSoftware
Responsibilities
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
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
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
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
Qualification
Required
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
Preferred
Experience: Fintech, credit bureaus, APIs, or AI systems experience strongly preferred
Company
Spinwheel
Transform how your business and your customers see, understand, and act on debt with our industry-leading debt APIs and drop-in modules.
Founded in 2019
11-50 employees
Funding
Current Stage
Early StageTotal Funding
$41MKey Investors
F-PrimeQED Investors
2025-06-23Series A· $30M
2021-05-07Seed· $11M
Leadership Team
T
Tomas Campos
CEO & Cofounder
Tushar Vaish
Co-Founder & CTO
Recent News
2025-09-25
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