Product Manager - Personal Loan

Role Summary

This role is responsible for the end-to-end lending product lifecycle, including product strategy, risk and pricing design, customer journey optimization, and cross-functional execution. The ideal candidate has deep hands-on experience in consumer lending products, a strong understanding of credit risk, and excellent English communication skills to work effectively with engineering, risk, compliance, and senior stakeholders.

Key Responsibilities

Product Strategy & Ownership

• Own the end-to-end product lifecycle of the lending product, from ideation to launch and iteration
• Define product vision, roadmap, and success metrics aligned with business and risk objectives
• Continuously optimize product performance across conversion, and profitability

Credit & Risk Collaboration

• Work closely with Risk and Data teams to design and enhance:
• Credit decision logic
• Pricing and limit strategies
• Eligibility and downgrade / upgrade flows
• Monitor portfolio performance and drive data-driven improvements

Product Design & Delivery

• Lead requirements definition including PRDs, user flows, and acceptance criteria
• Collaborate with Engineering to deliver scalable, compliant, and reliable solutions
• Partner with Operations and Collections to ensure smooth post-disbursement and repayment journeys

Compliance & Market Alignment

• Ensure product design complies with UAE regulatory and compliance requirements
• Align product features with local market practices and customer expectations

Stakeholder Communication

• Act as the primary point of contact for cross-functional stakeholders
• Present product updates, performance insights, and proposals clearly in English
• Support leadership decision-making with structured analysis and recommendations

Qualifications

• 5+ years of experience as a Product Manager in consumer lending / credit products
• Excellent English communication skills. Chinese speaking nationals are highly preferred.
• Proven ability to work with risk, engineering, and data teams
• Experience writing clear PRDs and driving delivery in a fast-paced environment