Lending Product Manager – Personal & Consumer Loans

Role Summary

We are seeking a senior Lending Product Manager with strong bank-grade lending knowledge to own and scale our consumer lending products, including personal loans and revolving credit.

This role is responsible for end-to-end product ownership, from market opportunity assessment and go-to-market execution to portfolio scaling and continuous optimization. The ideal candidate brings hands-on experience launching and scaling a notable lending product, a deep understanding of credit risk, pricing, and loan lifecycle management, and the ability to translate data insights into clear business decisions.

You will work closely with Risk, Data, Engineering, Compliance, Operations, and Senior Management, acting as the product authority across both commercial and risk dimensions.

Responsibilities

1. Product Strategy, Go-to-Market & Scaling

• Own the end-to-end product lifecycle of consumer lending products (personal loan / installment loan / revolving credit), from concept to large-scale rollout

• Define product vision, value proposition, and roadmap aligned with business growth, risk appetite, and regulatory constraints

• Lead go-to-market planning, including:

  • Target customer segmentation

  • Product positioning and pricing strategy

  • Channel readiness (app, partnerships, operations)

• Drive post-launch scaling, optimizing acquisition, activation, utilization, and portfolio performance

• Establish clear product success metrics (conversion, approval rate, yield, delinquency, profitability, LTV)

2. Credit, Risk & Pricing Collaboration

• Partner closely with Risk and Data teams to design and evolve:

  • Credit decisioning frameworks and score-based policies

  • Loan eligibility rules, limit assignment, and tiered pricing

  • Upgrade, downgrade, renewal, and repeat-loan strategies

• Interpret portfolio performance data (approval rate, roll rates, NPLs, vintage analysis) and propose actionable improvements

• Balance growth vs. risk trade-offs with clear, structured recommendations supported by data

3. Product Design, Delivery & Loan Lifecycle Management

• Translate strategy into high-quality PRDs, user journeys, workflows, and acceptance criteria

• Work with Engineering in an Agile delivery environment to ensure:

  • Scalable and modular product design

  • High system reliability and performance

  • Regulatory and audit readiness

• Collaborate with Operations and Collections to optimize:

  • Disbursement flows

  • Repayment experience

  • Restructuring, early settlement, and delinquency handling

• Experience with Loan Management Systems (LMS) (e.g., FinnOne, FintechOS, Mambu, Temenos, or similar) is a strong advantage

4. Market Study & Competitive Intelligence

• Conduct market research and competitive analysis across banks, fintechs, and alternative lenders

• Benchmark product features, pricing, credit terms, and user experience

• Identify product gaps and differentiation opportunities and translate them into roadmap initiatives

5. Stakeholder Management & Executive Communication

• Act as the single point of ownership for the lending product across cross-functional teams

• Prepare high-quality executive presentations and decision decks covering:

  • Product performance

  • Risk and portfolio insights

  • Business cases and roadmap proposals

• Present complex data and trade-offs with clear logic, structured narratives, and actionable recommendations

• Support leadership and governance forums with well-prepared analysis and materials.

• Requirements

• Proven track record of launching and scaling a lending product with meaningful portfolio size and impact

• 5+ years of Product Management experience in consumer lending, personal loans, or credit products (bank, digital bank, or fintech)

• Strong understanding of:

  • Consumer lending economics

  • Credit risk and pricing fundamentals

  • Loan lifecycle and portfolio management

• Hands-on experience working with risk models, policy rules, and data analytics

• Exposure to Loan Management Systems (LMS) or core lending platforms is a strong plus

• Demonstrated ability to work effectively in an Agile, fast-moving environment

• Excellent presentation, storytelling, and slide-preparation skills

• Strong analytical mindset with the ability to translate data into clear insights and decisions

• Proactive, adaptable, and comfortable operating in ambiguity

• Experience in UAE or regional (MENA) lending markets

• Familiarity with regulatory frameworks relevant to consumer lending

• Experience working with digital onboarding, alternative data, or credit score products