Why This Role Exists The F&I Office is where a car deal actually makes money. It is the moment a shopper becomes a buyer, where the right loan, the right products, and the right presentation turn a thin deal into a profitable one or leave thousands of dollars on the table. Get it right and the dealer wins, the buyer trusts the process, and the lender keeps saying yes. Get it wrong and profit, compliance, and trust all walk out the door. But the deal is not finished when the customer signs. It is finished when the lender funds it and the paperwork holds up. Every missing signature, wrong disclosure, or out-of-order document turns into a funding delay, a chargeback, or a lawsuit the dealer never saw coming. Clean, compliant contracts protect the dealer's cash flow and the dealer's name. A2Z Sync is an Amazon partner and AI-native platform that runs digital retailing, desking, F&I, and e-signature for dealerships processing $2B+ in vehicle transactions every year. We are rebuilding the F&I experience as a single, AI-native workflow that spans lender matching and submission, a smart menu that recommends the right products on every deal, and a contract management system that guards the full deal jacket from first signature to lender funding. This is the Sr. Product Manager-Technical role at the center of that work. Scope & Scale $2B+ in vehicle transactions processed on the A2Z Sync platform each year. A dedicated squad (PMT + Tech Lead + TPM triad) focused entirely on lending, F&I menu, and contract management. Product surfaces spanning lender matching, credit decisioning, menu presentation, contract generation, and the full deal jacket lifecycle from first signature through lender funding. Active lender, aftermarket product, eSignature, document, and lender funding partner relationships covering submission specs, decisioning flows, invoice reconciliation, and signing integrations. F&I workflows used by dealers and F&I directors across every active dealership on the platform. Requirements What You'll Own Product Strategy and Vision You own the product vision and roadmap for lending, F&I menu, and contract management products, grounded in dealer research, lender feedback, compliance requirements, and usage data. Every initiative traced to a measurable business outcome. You own the P&L for the product line. You track revenue, inference costs, and margin at the feature level and use that data to drive roadmap prioritization, sunset decisions, and go-to-market pricing strategy. You drive AI-first product thinking across lending, product, and contract workflows, defining how agentic architectures can optimize lender matching, credit decisioning, product matching, contract generation, and deal jacket validation, and how token consumption and model selection translate into cost-per-transaction. Technical Leadership and Architecture You are a technical partner to engineering, not a spec writer who hands off and waits. You understand lender submission specs, credit decisioning flows, product and document schema architecture, deal jacket structure, eSignature flows, and lender funding requirements well enough to make scope trade-offs and own architectural decisions with your Tech Lead. You participate meaningfully in design reviews. You identify when a technical choice creates compliance, lender relationship, funding, or deal integrity risk and push back on decisions that compromise regulatory posture, contract validity, or document integrity. You surface technical debt and hold teams accountable to latency, reliability, and scalability as product requirements, not afterthoughts. Planning, Execution, and Delivery You own a single backlog covering both current-state and next-generation work. You author Charter documents and PRDs with unambiguous acceptance criteria, translated into well-structured Jira EPICs. You refine and prioritize the sprint backlog with your triad partners. You define and monitor the KPIs that prove the product is working: lender approval rates, submission and document error rates, eSignature completion rates, time-to-fund, chargeback reductions, compliance audit pass rates, dealer NPS impact, and product MRR contribution. You lead phased rollouts with feature flags, per-dealer enablement, and cohort-based graduation from shadow mode to production for AI agents. Cross-Functional Collaboration You manage lender, aftermarket product, eSignature, document, and lender funding partner relationships end-to-end, ensuring submission specs, decisioning flows, contract and document formats, invoice reconciliation, signing integrations, and funding handoffs stay current and reliable. You engage directly with dealers, F&I directors, and partners to validate product direction and translate insights into senior leadership-ready decisions. You drive cross-team execution with adjacent PMTs on deal handoff data contracts. You present business reviews backed by market evidence. You distill ambiguity into reviewable options. You surface disagreements in writing before they become surprises in meetings. Hands-On Expectations This is not a "write requirements and wait" PM role. You will be in design reviews and architecture sessions with engineers, turning ambiguous dealer and lender problems into shipped products. Short feedback loops, real ownership, and direct accountability for the surfaces where the dealer makes money. What You Bring Must Have 5+ years owning the full product lifecycle, with demonstrated ability to bridge market strategy and sprint execution. Proven track record defining product vision, building evidence-based roadmaps, and prioritizing competing opportunities. 5+ years working with or for automotive retail dealerships, with deep understanding of F&I workflows, menu presentation, lender submission, deal jacket management, document compliance, eSignature workflows, and the lender funding process. Experience building and shipping production AI-powered features or agent workflows be