Product Manager: Cash Loan
Philippines - Growth
As the Product Manager: Cash Loans, you’ll own our B2C cash loan product from end-to-end — from pricing and credit decisioning to launch, optimization, and portfolio performance. Together with the Risk, Tech, and Product teams, you’ll help create scalable, profitable lending solutions for Filipinos.
Responsibilities
- Drive stakeholder decisions on B2C Cash Loan pricing, segmentation targeting, and credit and risk score decisioning
- Track, monitor, and optimize key loan performance metrics to ensure contribution of B2C Cash Loan to the bottomline
- Leverage performance data and market/customer trend to identify new opportunities for product enhancements and innovations as part of bottom-up approach in defining loan roadmap. Ensure top-down loan roadmap aligns with such data
- Manage the creation of business requirements, user stories, and test scenarios for B2C Cash Loan product.
- Collaborate with Technology and Product teams to 1) refine business requirements with business analysts, 2) coordinate the product development with the backend and mobile app dev team, and 3) agree on a release plan with the tech delivery team and the Product team
- Conduct end-to-end Product UAT testing
- Work closely with Risk Management team to improve loan portfolio quality. Ensure compliance with regulatory standards and loan best practices.
- Manage proper cascade of loan changes to support teams such as backoffice, collections, sales, and customer service teams in driving the product's success.
- Ensure smooth go-live and go-to-market comms/marketing plans are in place.
Qualification
- Bachelor's degree in business, finance, IT, or related field.
- 7+ years in product management (in fintech and/or banking) building and launching B2C lending products
- Strong data-driven mindset and proficiency in Microsoft Excel; experience with PowerBI or Datadog is a plus.
- Familiar with product design tools like Figma and LucidChart. Familiar with change management systems such as Confluence and Jira.
- Experience in any loans management system, core banking system, credit/risk scoring system – preferably cloud solution but can be on-prem
- Excellent problem-solving and analytical skills. Experience in operational roles is a bonus.
Interested? Send us your CV attalentacquisition@tonikbank.com
