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Product Manager - Personal Loan

Astra TechAbu Dhabi Emirate, UAE1 months agoMid-Seniorfulltime
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About This Role

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

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