Consumer Credit Program Product Manager
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Overview
Job Description
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.
To save time applying, Toyota does not offer sponsorship of job applicants for employment-based visas or any other work authorization for this position at this time.
Who we’re looking for
Toyota Risk Department is seeking a passionate and highly motivated Consumer Credit Program Product Manager.
The primary responsibility of this role will lead the full lifecycle of credit and fraud policy implementation within decision engine applications, transforming complex policies into clear, actionable, and testable criteria.
Reporting to the National Manager, Consumer Credit and Fraud Risk, you will drive agile roadmap planning, foster collaboration across engineering and stakeholders, and help shape the strategic future of Toyota’s credit and fraud decisioning ecosystem.
What you’ll be doing
Own and manage the end-to-end implementation of credit and fraud policies in decision engine applications, ensuring accuracy, scalability, and continuous improvement.
Translate complex policy intent into precise, testable acceptance criteria with comprehensive edge-case coverage and strong traceability.
Collaborate closely with engineering teams and cross-functional stakeholders to gather requirements, prioritize features, and enhance platform capabilities that boost developer productivity and system reliability.
Lead agile roadmap and backlog refinement to ensure timely delivery of high-impact features aligned with business goals.
Champion best practices in software development, testing, automation, and service integration to elevate the entire development ecosystem.
Establish and track clear performance metrics that demonstrate product value and drive continuous improvement.
Communicate product vision and progress effectively to technical teams, business stakeholders, and leadership, bridging complex technical concepts with business impact.
Build and maintain strong vendor and partner relationships to ensure successful delivery of key product capabilities and integrations.
Partner with Architecture and Engineering to develop a multi-year strategic roadmap for the credit and fraud decisioning ecosystem, translating vision into actionable milestones.
What you bring
Bachelor’s degree in technology, business, or related field.
5+ years of relevant experience in product management, technology design, or technical leadership within credit risk, fraud prevention, or financial services.
Proven ability to lead cross-functional project teams and deliver complex products in fast-paced, agile environments.
Strong communication skills with the ability to articulate technical and business concepts to diverse audiences.
Skilled at navigating organizational structures to influence change and coordinate efforts effectively.
Added bonus if you have
Advanced degree (e.g., Master’s) that deepens your expertise in product management, technology, or risk management.
Experience automating processes through decision engine applications or credit/fraud risk platforms.
Familiarity with agile methodologies and software development best practices.
Strong vendor management and partnership experience.
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
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. Toyota is proud to have 10+ different Business Partnering Groups across 100 different North American chapter locations that support team members’ efforts to dream, do and grow without questioning that they belong.
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.
Automate your job search with Sonara.
Submit 10x as many applications with less effort than one manual application.