Product Manager / Product Owner - Financing Products

1. Product Ownership & Development

• Own the product end to end. its design, pricing, terms, eligibility, customer journey and overall economics.
  
• Continuously analyze customer needs and market data to create and refine the product so it stays competitive and relevant.
  
• Define and prioritize the product roadmap; translate business goals into clear requirements for delivery teams.
  
• Identify and launch new business lines, segments and product variations to open additional growth.
  

2. Growth & Scaling Issuances

• Take full responsibility for scaling the product growing issuance volumes and portfolio within agreed budget and risk appetite.
  
• Build and develop new client-acquisition channels (digital, branch, partner, agent and referral).
  
• Drive both new client acquisition and up-sale / cross-sell to existing customers.
  
• Improve the end-to-end sales funnel and conversion, removing friction across the customer journey.
  

3. Marketing & Communication

• Own the full marketing plan for the product, from strategy through to execution and results.
  
• Develop and oversee all content across channels - digital, social, print and offline / in-branch.
  
• Initiate campaigns, promotions and special offers to keep issuances on plan and respond to market conditions.
  
• Manage the marketing budget for the product and optimize spend against acquisition cost and return.
  

4. Cross-functional Leadership & Process Improvement

• Lead IT and digital projects that improve product presentation, the sales funnel and operational efficiency.
  
• Work closely with risk, credit, operations, sales and finance to balance growth with portfolio quality.
  
• Generate and implement ideas to improve branches, shops and other customer touchpoints.
  

5. Performance & Accountability

• Define, track and act on KPIs for product growth, customer acquisition, conversion, retention and profitability.
  
• Use data and customer insight to make decisions, run experiments and report on performance to leadership.
  
• Bring a growth mindset think big, take responsibility and own outcomes end to end.
  

• Bachelor’s degree in business, marketing, finance, economics or a related field.
  
• 4+ years of experience in product management, product ownership, product marketing or commercial roles - ideally in financial services, fintech, lending or a related consumer-facing industry.
  
• Proven track record of growing a product, channel or P&L (e.g. growth in sales, issuances or revenue).
  
• Experience owning marketing plans and campaigns across digital and offline channels.
  
• Comfortable working with data and analytics tools to track performance and inform decisions.
  
• Experience leading or coordinating IT / digital development projects (Agile / product-owner experience is an advantage).
  
• Lending, credit or loan-product experience is a strong plus.