Product Manager - Personal Loan
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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