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TrueML

Digital debt collection platform for consumers

Product Manager - Platform

Full-TimeUpdated on 10/23/2026
$85k - $120k/yr
Mid
Remote in USA
RemoteRemote-first; occasional local or international travel may be necessary.
ProductTechnical Product Management
No H1B Sponsorship

About the job

Requirements
  • At least 3 years of Product Management experience, with a track record of shipping products that moved revenue.
  • Comfort working with clients, executives, and senior internal partners in meetings and writing; listening carefully, identifying underlying needs, and communicating decisions clearly.
  • Ability to provide engineering with precise descriptions of the problem, constraints, and completion criteria.
  • Ability to set direction, unblock people, raise standards, and own results.
  • Ability to make messy systems more reliable, understandable, and valuable.
  • Ability to read integration specifications, reason about data flows and dependencies, and discuss change costs with engineers.
  • Ability to inspect product performance directly.
  • Ability to turn conflicting inputs and incomplete information into actionable plans.
  • Maintain a reliable internet connection and professional work environment while working remotely.
  • Protect confidential company, employee, customer, and business information while working outside a company office.
Responsibilities
  • Own the products' roadmap, backlog, trade-offs, and health; use dedicated engineering capacity to set direction, clarify priorities, protect the team's focus, and maintain a high bar.
  • Work with clients, Client Success, Operations, and Compliance to understand users' actual needs and bring them to the appropriate team.
  • Regularly communicate to domain teams rebuilding the functionality on the new platform what the team is building or changing, what it does, and why it exists.
  • Triage escalations quickly, prioritize responses, and keep stakeholders informed.
  • Work with Legal and Compliance to ensure changes comply with FDCPA, Regulation F, and TCPA.
  • Decide which functionality stays, migrates to the new platform, or is turned off; sequence and run migrations to minimize disruption to clients.
  • Document how the systems work and ensure Operations, Client Success, and Compliance have runbooks, training, and metrics before releases.
  • Support a global, cross-functional business, including flexibility outside standard business hours and occasional local or international travel for operations support, company meetings, training, offsites, and collaborative projects.
Desired Qualifications
  • Experience in fintech, collections, lending, or other regulated financial services is a plus.
  • B2B2C experience balancing client configuration with the consumer experience is a plus.

About the company

TrueML provides fintech solutions focused on debt collection and consumer financial health. Its flagship product, TrueAccord, is a digital-first platform that automates and optimizes debt recovery for creditors and debt buyers while prioritizing a positive customer experience. Another offering, True Life Solutions, includes Engage, a consumer-facing communication portal that enables collectors, creditors, and individuals to view, negotiate, and track debt repayment offers. The company generates revenue through subscriptions and transaction fees for its technology platforms. TrueML differentiates itself by combining data science and customer-experience expertise to create accessible, inclusive financial services and by delivering a more humane, digital-first approach to debt collection. Its goal is to make financial services easier to understand and use for everyone, helping people manage and pay down debt while delivering measurable results for lenders.

Company Size

51-200

Company Stage

N/A

Total Funding

$199.9M

Headquarters

Lenexa, Kansas

Founded

2013

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Simplify's Take

What believers are saying

  • TrueML reportedly raised $141.9 million in July 2025, funding expansion.
  • Retain recovered $375 million from one million delinquent customers since January 2024.
  • Active 2026 hiring suggests demand for automation, deliverability, and compliance talent.

What critics are saying

  • Pennsylvania settled with TrueAccord on June 24, 2025 over illegal tribal lending collections.
  • CFPB complaint data through July 15, 2026 shows 608 complaints, mostly debt-not-owed.
  • A sustained enforcement campaign could choke TrueML’s collections business and customer trust.

What makes TrueML unique

  • TrueML’s Retain surpassed $1 billion collected by September 2024.
  • TrueML’s machine-learning decision engine personalizes digital debt outreach across email and SMS.
  • TrueML kept hiring in 2026, including agentic workflows and DevOps roles.

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Benefits

  • Unlimited Paid Time Off
  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • 401(k) Company Match
  • 401(k) Retirement Plan
  • Family Planning Benefits
  • Mental Health Support
  • Wellness Program

Company News

PR Newswire
Feb 28th, 2025
Trueml Leadership Recognized At Rmai'S Annual Conference

"The work RMAI does for the debt collection industry and its members is critical to building a better financial lifecycle for businesses and consumers, especially its ever-evolving certification standards," said Kelly Knepper-Stephens, Chief Legal Officer, TrueML

Crowdfund Insider
Sep 20th, 2023
Trueml Products, A Fintech Developing Intelligent, Digital Communication Tools To Handle Delinquencies, Reports Key Milestone

TrueML Products, a Fintech company developing products that enable intelligent, digital communication, announced that clients have used Retain, the company’s flagship product, to drive engagement since January with more than 1 million delinquent customers that enabled recovery of $375 million in past-due balances.Total dollars collected on the Retain product “exceed $1 billion.” Retain is a scalable, client-branded digital engagement tool powered by “an optimization engine to automate clients’ digital communications and help boost customer engagement.”Retain uses a patented decision engine and engagement data “from individual interactions to optimize communication delivery and support clients’ communication efforts.”The product offers email and SMS deliverability that “enables businesses to improve communications at scale, preserve customer relationships, and maintain compliance with built-in technology that ensures the client-specified regulatory requirements are met no matter where customers are located.”Naama Bloom, General Manager at TrueML Products, said:“In today’s challenging economic landscape, more businesses are experiencing difficulty engaging with delinquent customers, and Retain helps them improve their connection rates with those customers in order to maintain relationships and get them back on track. Managing customer communications at scale can be challenging and expensive, but using Retain allows our clients to automate delinquency communications on digital channels, leading to increased customer engagement and subsequent repayment while reducing operational costs.”Retain prioritizes customer engagement and preference “with digital communications and intelligent, optimized timing and channel selection that is critical to preserving customer relationships, like the lender-borrower relationship.”Companies use Retain to “engage users more effectively and efficiently with a digital-first approach and can reduce the need for expensive headcount to contact customers or scale operations, freeing up resources for productive inbound operations as needed.”Clients have reported four times increased agent efficiency, “up to a 75 percent reduction in full-time employees needed for customer communications, and a 13 percent overall decrease in cost to recover while using Retain for digital delivery.”

Crowdfund Insider
Jan 16th, 2023
Fintech Firm Trueml Appoints Thomas Overton As Chief Technology Officer

One True Holding Company d/b/a/ TrueML, a financial technology software company developing machine learning-driven products that enable intelligent, digital communication in the financial services space, announced that Thomas Overton will “join as Chief Technology Officer.”. TrueML develops software using patented machine learning technology “to create a digital-first process that aligns with consumer communication preferences.” As a mission-driven company, TrueML aims “to bring solutions to the marketplace that redefine how creditors and consumers engage in debt collection.”. TrueML’s mission is “supported by data scientists, financial services industry experts and customer experience enthusiasts collectively building technology to serve people in a digital-first way by recognizing their unique needs and preferences as human beings and endeavoring toward ensuring nobody gets locked out of the financial system.”