# Lourdes Amayo > Product Manager in FinTech | Berkeley Haas MBA Location: San Francisco, California, United States Profile: https://flows.cv/lourdes I am a Product Manager in fintech with extensive experience leading the end-to-end product lifecycle — from discovery and strategy to execution and optimization. Over the past 10+ years, I’ve driven data-driven product innovation and user-centered design across the U.S., Latin America, and Africa. I specialize in simplifying complex financial journeys, removing friction points, and working closely with cross-functional teams in risk, compliance, marketing, and engineering. I am passionate about building inclusive financial products that strike the right balance between user experience, growth, and sustainability. At LendingClub, I have led multiple high-impact product initiatives, including the redesign of loan application flows and offers pages, achieving measurable improvements in customer conversion and satisfaction. Earlier in my career, I worked at fintech startups focused on underserved segments, where I drove growth strategies, product integrations, and partnership models to expand financial inclusion. This included developing roadmaps, launching new business models, and increasing adoption of alternative credit products at scale. ## Work Experience ### Lead Product Manager @ LendingClub Jan 2025 – Present | San Francisco Bay Area ### Senior Product Manager @ LendingClub Jan 2023 – Jan 2025 | San Francisco Bay Area • Developed new capability to generate pre-approved loan offers for repeat borrowers to drive $150M incr./year. Designed user experience from marketing offering to a seamless one-step application. Close collaboration with marketing, credit risk, legal and compliance, and backend platform Eng. teams. • Developed new capability to generate loan offers linked to a third party credit union investor which require the user to complete a credit union membership signup flow, with the goal to increase the company’s funding capacity. • Developed new capability to generate an incentive or discount to recover applicants from loan offer drop-off. Close collaboration with marketing, credit risk, legal and compliance, and backend platform Eng. teams. • Proposed a full redesign and upgrade of the end to end customer journey for the debt consolidation loan and its direct pay functionality to solve existing confusion and friction in the application process and increase awareness of the product and its benefits. Potential to drive $480M incr./year. Currently working on implementation. ### Product Manager @ LendingClub Jan 2021 – Jan 2023 | San Francisco Bay Area • Redesigned the personal loans application flow for repeat borrowers, improving end to end conversion by +3.5% lift driving +$50M incr./year: fewer and simpler steps, optimized pre-filling logic of personal information. • Redesigned personal loans offers page, improved conversion up to 6% lift driving $47M incr./year: consolidated 6 different legacy pages into 1 improved modular page responsive to any number of loan terms, improved architecture of the information and simplified offers comparison solving user’s biggest sources of confusion found on user research. • Run the personal loans funnel optimization program, launching +20 experiments (A/B tests) a year, driving $300M incr./year. ### Product and Growth Strategy Advisor @ Next Billion Advisors Jan 2021 – Jan 2025 | San Francisco Bay Area https://nxtblln.com/ We are a group of founders and executives passionate about the development of emerging markets through innovation and technology. We provide advisory on product, go to market, and fundraising strategies to entrepreneurs targeting emerging markets. ### Co-Founder and Strategy Advisor @ Bears&Guts Jan 2019 – Jan 2023 Bears&Guts (Pre-Seed stage) uses the power of videogames to make the learning of tech skills accessible and fun to everyone. WOMG, our first product, is a metroidvania where you learn coding from zero and use it to train robots which help you accomplish missions in a sci-fi futuristic and adventurous world. I'm a co-founder providing Strategy and Product Advisory. ### Product Manager @ Flourish Jan 2021 – Jan 2021 | San Francisco Bay Area Flourish is a FinTech (seed stage startup) that uses gamification and rewards to develop good financial habits on people such as savings, learning about personal finances, and paying loans on time. I led a short-term project to help them launch the MVP of a new gamified Financial Education product in their mobile app. ### Growth and Product Strategy Manager @ Aura Jan 2019 – Jan 2020 | San Francisco Bay Area Aura is a FinTech that provides credit-building loans and personal finance services to low income and underbanked customers in the US. - Developed a new product and business model for a new channel: small businesses partnering with Aura to offer loans. Worked along with CTO, CRO, COO and cross-functional teams. Projected 180k new customers/year duplicating 2019 active borrowers. - Led the design of the new overall partnerships’ strategy: partner value prop and pricing model; partner segmentation, tools to offer best experience to partners from launch to support. Cross-functional project with Product, Engineering, Legal, and Marketing. ### MBA Berkeley Haas @ University of California, Berkeley, Haas School of Business Jan 2017 – Jan 2019 | San Francisco Bay Area - Design Thinking & Innovation Project at Wells Fargo: Consumer products ideation for banking as a service platform. - Product Strategy Intern at Flourish, Savings Fintech: Customer interviews, creation of customer personas, and product design. - Co-Founded EdTech startup to develop tech skills in emerging markets. Raised $50k in pre-seed. Won Trione Venture and Haas Social Fund grants. Finalist on Big Ideas competition and Global Social Venture Competition (GSVC). Now leading product strategy and fundraising strategy. - Design Thinking Coach, VP Social Impact at FinTech Club, Lead Coordinator of the Africa Business Forum. ### Product Strategy Manager @ Flourish Jan 2018 – Jan 2018 | San Francisco Bay Area Flourish is a FinTech that uses gamification and rewards to develop good financial habits on people such as savings, learning about personal finances, and paying loans on time. - Run +50 customer interviews. - Developed customer's personas. - Part of the team who designed the app workflow and wireframes. - Managed the partnership between Flourish and an NGO to co-design the financial education features of the product. ### MBA Summer Intern: Business Development & Strategy for Africa @ PayJoy Jan 2018 – Jan 2018 | South Africa PayJoy is a FinTech offering a technology platform that facilitates smartphones financing so everyone can join the modern connected world. - Developed the Growth Strategy for Africa identifying 8 key markets to target representing +12.6 million new end-customers for PayJoy. - Identified 14 key client partners for the company and 19 business opportunities to gain quick and sustainable scale. - Identified the key features of the current and future products of PayJoy to build sustainable partnerships and to create competitive barriers in the African Market. - Defined the roadmap for the company to build underwriting solutions in Africa using alternative data sources. - Business development activities: Met with 8 current partners to move forward the projects with them. Built a collaboration framework between PayJoy and 2 platform partners who are key for the expansion of the company in Africa. Markets and opportunities were identified using a quantitative and a qualitative market research studies: The quantitative analysis was done by designing and building a country scorecard tool to identify the biggest and easiest markets to target, weighing+40 KPIs of the mobile and financial inclusion industries that were relevant to PayJoy business. The qualitative analysis was based on a detailed market research of 7 countries in Africa (Kenya, Nigeria, South Africa, Tanzania, Uganda, Ivory Coast and Zambia) including country visits, +10 interviews with local industry experts and +14 industry reports. ### Design Thinking & Innovation Coach @ Haas@Work - UC Berkeley's Innovation Agency Jan 2018 – Jan 2018 | Berkeley California - Delivered Banking as a Platform solutions for a leading US Bank. - Engaged the client in co-creation process, following the Design Thinking framework through insights collection, ideation & prototyping. Pitched the final solution to a board of senior executives from the bank. ### Manager Strategic Partnerships @ LenddoEFL (formerly Entrepreneurial Finance Lab [EFL Global]) Jan 2015 – Jan 2017 | Mexico City Area, Mexico FinTech. EFL Global uses psychometrics and behavioral science to create alternative credit risk scores for unbanked/underserved segments. EFL clients are banks, microfinance institutions, and retailers in emerging countries in Latam, Asia, and Africa. Managed 11 clients in 6 countries in Latam and 1 in Ethiopia to drive success with EFL. Based in offices in Mexico (2017), Guatemala (2016), and Peru (2015). - Proposed a new product idea: EFL Score combined with Bureau Score and Partner’s data. Pitched to the largest partner in Guatemala and got contract renewal for 30% more revenue. Worked with Product Team to develop product roadmap. - Manage product integration through APIs with a digital lender and a core banking tech provider. Led coordination of cross-functional stakeholders, internally and externally, among Product, Engineering, Data, and Marketing teams. - Recovered a strategic partnership with the World Bank and the largest Microfinance in Ethiopia that was at risk of being terminated: used data analytics and successful benchmark cases to influence key stakeholders to fully adopt EFL’s product. - Increased value of core partnership using data driven insights for partner to increase adoption of the EFL score. EFL duplicated revenue, and the partner reached strategic objectives, improving approval rates in 2.8x and reducing default rates in 31.5%. - Managed first deployment of on-field launch of new EFL platform and identified product functionality improvements based on in-person customer interviews and specific use-case insights. ### Consultant Project Lead @ Real Time Management Jan 2011 – Jan 2015 | Lima, Peru Management consulting firm specialized in strategy and operations. RTM serves top multi-industry Peruvian companies. Project Leader Consultant (2014-2015) Senior Consultant (2012-2013) Consultant (2011). - Developed business financials and go-to-market plan for remittances FinTech, helping the Founding Team raise $500k in seed. - Developed processes optimization and corporate strategy initiatives at leading CPG, representing a ~10% increase in EBITDA. Built financial and forecasting models. Built a map of strategic projects. Report to client’s CEO, COO. Led a team of 3 consultants. - Implemented cost saving initiatives at a large pharmaceutical company, resulting in 11.8% savings in purchasing. Renegotiated contracts with providers. Proposed operational efficiencies. Report to client’s CFO, COO. Led a team of 5 consultants. - Developed a new maintenance macro process in a large construction company integrating a preventive maintenance data system and machinery’s maintenance suppliers to increase the availability of critical mining machinery in 38%. Report to the client's COO. - Proposed initiatives to boost productivity of machinery in leading road maintenance company in Peru, obtaining savings for $600k per year (7.5% of revenues). ### Operations Manager @ FARMINDUSTRIA S.A. Jan 2009 – Jan 2011 | Lima, Peru Production Manager (6 months) - Led company’s largest factory consisting of 11 production lines, 81 labor workers and 6 engineers. - Implemented lean manufacturing, eliminating overtime and cutting costs in USD30k per year. Operations Manager (1.5 years) - Coordinated design and implementation of the automation of the packaging area: productivity doubled and costs drop 30%. - Awarded: “The Very Best 2009”, for best productivity project: optimized administrative process in factory ## Education ### Full time MBA Student in Business Administration and Management University of California, Berkeley, Haas School of Business ### Yale School of Management ### Bachelor’s Degree in Industrial Engineering Universidad de Piura ## Contact & Social - LinkedIn: https://linkedin.com/in/lourdesamayo - Portfolio: http://www.facebook.com/accionemprendedora.pe --- Source: https://flows.cv/lourdes JSON Resume: https://flows.cv/lourdes/resume.json Last updated: 2026-04-13