layiq

/la·yiq/adjective

worthy; deserving; fitting; suitable.

A role, opportunity, or path that merits attention, time, and pursuit.

LAYIQ - Product Manager at Toyota

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 d rive strategic direction to increase auto decisioning and counter offers as we expand to support full spectrum cre dit 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 main tain product development momentum
Solid stakeholder management, including navigating conflicting priorities and facilitating trade-off discussions and business decision s
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 w ith Kiro , AI/ML-po wered decisioning, risk, or fraud models
You’ve written a PR/FAQ or similar “working backwards” product document

Product Manager

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