T

TransUnion

Credit reporting, risk analytics, fraud detection

Product Manager - Credit Risk Solutions

Full-TimeUpdated on 10/23/2026
No salary listed
Senior
Bachelor's, Master's, MBA
Mexico City, CDMX, Mexico
HybridHybrid; at least two days per week in person at an assigned TransUnion office.
ProductProduct Management

About the job

Requirements
  • Seven or more years of product management experience in credit risk, consumer lending, financial services, fintech, credit bureau solutions, or data and analytics products, including ownership of product strategy and execution.
  • Strong understanding of the consumer lending ecosystem, including lenders, fintechs, credit bureaus, data providers, regulators, and decisioning platforms, and how these stakeholders influence product design and adoption.
  • Deep knowledge of credit risk management across the customer lifecycle, including marketing, originations, underwriting, account management, portfolio monitoring, collections, and fraud prevention.
  • Ability to develop business cases, evaluate market opportunities, define customer value propositions, and deliver measurable business outcomes through product innovation and portfolio management.
  • Bachelor’s degree in Business, Finance, Economics, Statistics, Data Science, or a related field, or equivalent practical experience.
  • Ability to translate credit bureau data, risk attributes, scores, affordability indicators, alternative data, and analytics into actionable product requirements and customer solutions.
  • Experience working in agile product development environments, including backlog management, user story creation, acceptance criteria development, release planning, and product lifecycle management.
  • Strong analytical skills, including experience using market research, customer feedback, product performance metrics, financial results, and portfolio trends to support product decisions.
  • Knowledge of credit risk analytics, lending decisioning processes, and data-driven product development methodologies.
  • Ability to communicate complex credit risk, analytics, data, and technology concepts to executive, commercial, technical, and client audiences.
Responsibilities
  • Own the product strategy and roadmap for assigned Credit Risk Solutions products, aligning them with customer needs, market opportunities, revenue objectives, regulatory requirements, and broader product strategy.
  • Drive the full product development lifecycle, including discovery, business case development, requirements definition, prioritization, launch readiness, adoption monitoring, and continuous improvement.
  • Partner with customers, lenders, fintechs, and internal stakeholders to identify market needs, validate solution concepts, and translate insights into scalable product requirements and prioritized enhancements.
  • Develop product propositions using credit bureau data, scores, affordability signals, alternative data, and analytics capabilities to improve decisioning, approval rates, portfolio performance, and profitability.
  • Conduct market research, competitive analysis, and regulatory assessments to identify growth opportunities, modernization initiatives, and areas for product differentiation.
  • Collaborate with Technology, Data Science, Analytics, Operations, Legal, Compliance, Security, and regional product teams to assess feasibility, manage dependencies, and deliver market-ready solutions.
  • Provide direction to agile delivery teams through backlog prioritization, user story development, acceptance criteria definition, release planning, and trade-off management.
  • Monitor product performance using revenue, adoption, usage, profitability, client feedback, and operational metrics to inform roadmap decisions and investment priorities.
  • Lead go-to-market activities with Sales, Consulting, Marketing, Pricing, Legal, Compliance, and Operations, including positioning, enablement, training, launch communications, and customer adoption strategies.
  • Act as a subject matter expert for assigned solutions, supporting client discussions, executive briefings, strategic opportunities, and cross-functional decision-making.
Desired Qualifications
  • Experience working with international credit risk, lending, or bureau-based solutions across multiple markets.
  • Knowledge of alternative data strategies, affordability assessment solutions, fraud prevention tools, and advanced analytics applications within lending environments.
  • Demonstrated success leading cross-functional initiatives and influencing stakeholders within highly matrixed organizations.
  • Experience supporting commercial activities such as pricing strategy, sales enablement, product positioning, client adoption, and revenue growth initiatives.
  • MBA or another advanced degree in Business, Finance, Economics, Statistics, Data Science, or a related discipline.

About the company

T

TransUnion

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Website

TransUnion is a global information and insights company. It collects and analyzes data to provide services for businesses and consumers. For business clients, it offers credit portfolio management, marketing solutions, and fraud detection to help manage risk and make informed decisions. For consumers, it provides tools to monitor personal credit, including credit reports and scores. The platform supports enterprise use by enabling storage, identity resolution, and protection for building traditional and generative AI models. TransUnion generates revenue through three segments: U.S. Markets, International, and Consumer Interactive. Its goal is to help customers understand and manage credit risk, prevent fraud, and derive actionable insights from large data assets.

Company Size

5,001-10,000

Company Stage

IPO

Headquarters

Chicago, Illinois

Founded

1968

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Simplify's Take

What believers are saying

  • Q2 2026 revenue rose 15% to $1.31 billion, and guidance increased again.
  • International growth accelerated in Canada, the U.K., and India after OneTru deployments.
  • Snowflake integration and Universal Ads partnerships widen non-credit revenue beyond bureau cycles.

What critics are saying

  • FTC and CFPB rental-screening litigation remains pending after June 2026, threatening penalties.
  • Illinois layoffs already hit 640 workers by March 2024, signaling continuing cost pressure.
  • Experian and Equifax can copy TransUnion's product bundling, eroding pricing by 2027.

What makes TransUnion unique

  • TransUnion's OneTru migration hit 60% of U.S. matches by July 2026.
  • TransUnion launched 40 AI products in first-half 2026, including TruIQ and TruValidate.
  • TransUnion owns Trans Union de Mexico after March 2026, broadening North American data coverage.

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Benefits

  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Mental Health Support
  • Disability Insurance
  • Paid Parental Leave
  • Adoption Assistance
  • Fertility Treatment Support
  • Legal Services
  • Long-Term Care Insurance
  • Commuter Benefits
  • Tuition Reimbursement

Company News

Yahoo Finance
Oct 21st, 2026
TransUnion launches Transaction Matching with Fiserv to identify unknown in-store shoppers

TransUnion has launched Transaction Matching, a tool that links in-store purchases to persistent, privacy-conscious customer identities. It uses Fiserv's Unknown Shopper solution to help merchants recognise shoppers they could not previously identify, such as loyalty members who paid with a new card, or used tap-to-pay or a mobile wallet. Merchants can add demographic and lifestyle insights to pseudonymised profiles, cut duplicate records, and tell new customers from returning ones. Red Lobster is an early user. "Before partnering with TransUnion and Fiserv, a new credit card could look like a new customer, even when it belonged to a loyalty member," said Alisa Stewart, the chain's director of customer relationship management. The launch is the first collaboration under TransUnion's broader Transaction Matching solution.

Yahoo Finance
Oct 20th, 2026
TransUnion launches first adverse-actionable scores against $2.4B synthetic fraud, debuts on Oscilar

TransUnion has launched Credit Washing and Synthetic Fraud Scores with adverse action capability, which it calls the first of their kind. Lenders can use them to spot synthetic identities and credit washing, and to give consumers reason codes when credit is denied. TransUnion research puts lender exposure to synthetic identity fraud at $2.4 billion as of June 2026. Consumers whose charge-offs were hidden through credit washing are 3.5 times more likely to charge off a new account within a year, and super prime consumers are 10 times more likely. Oscilar, a risk platform serving more than 100 financial institutions, is the first to offer the scores. They run alongside credit decisioning in one workflow, so lenders can cite fraud risk in adverse action notices.

Associated Press
Oct 8th, 2026
TransUnion launches First Look for mortgage lenders to cut origination costs by reviewing credit insights before purchasing scores

TransUnion has launched First Look Functionality for Mortgage, allowing lenders to review credit insights before purchasing scores. The tool enables mortgage lenders to buy credit reports alone or with their chosen score, then request additional scores only when needed, without incurring the cost of a second report when eligibility conditions are met. The innovation follows TransUnion's extension of 99-cent VantageScore 4.0 mortgage pricing through 2028, with no charge when pulled alongside a FICO Score. Traditional mortgage workflows often require lenders to purchase credit scores early, leading to unnecessary fallout costs. The functionality works with both soft-pull and hard-pull workflows and is compatible with government-sponsored enterprises and Federal Housing Administration automated underwriting systems. It's available through mortgage resellers without requiring changes to existing selling guidelines or policies.

Yahoo Finance
Jul 31st, 2026
TransUnion joins Universal Ads to extend audience data into premium TV inventory

TransUnion has joined Universal Ads as an inaugural Audience partner, bringing its audience data into premium TV advertising inventory for app advertisers. The partnership extends cross-channel audience targeting and measurement from digital media to television. The move highlights how TransUnion is expanding uses of its data assets beyond traditional credit reporting. The integration allows app marketers to use consistent targeting across mobile, web, and connected TV platforms. TransUnion reported Q2 2026 sales of $1.31 billion and net income of $143.4 million. The company raised its full-year 2026 guidance to revenue of $5.13 billion to $5.16 billion and net income of $807 million to $821 million. Management has repurchased 5.67 million shares for $449.84 million under its current buyback programme.

Yahoo Finance
Jul 28th, 2026
TransUnion raises guidance on 10% growth and platform modernisation milestone

TransUnion reported its tenth consecutive quarter of high single-digit revenue growth or better, achieving 10% organic constant currency growth in Q2 2026. The company raised its full-year adjusted diluted EPS guidance to 11-12% growth, reflecting strong first-half performance. U.S. Financial Services grew at a 9% CAGR excluding mortgage, driven by market share gains and innovation rather than underlying volumes. Over one-third of Financial Services revenue now comes from alternative data and non-credit solutions. The company's platform modernisation reached 60% of U.S. match activity migrated to OneTru, with completion expected by year-end. International operations accelerated to 6% organic growth, supported by recovery in India and strong performance in Canada and the UK. TransUnion reduced its leverage ratio to 2.6x, targeting below 2.5x long-term.