About the role
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, '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 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)
Belonging at Toyota
Our success begins and ends with our people. We embrace all perspectives and value unique human experiences. Respect for all is our North Star.
Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law.
Have a question, need assistance with your application or do you require any special accommodations? Please send an email to talent.acquisition@toyota.com.