credit product manager

Tamara

About the role 
Tamara s ambition is to become the region s favorite way to pay for what we call life s little essentials a new way of purchasing designed for and around our customers interests. We believe that great design has the ability to engage and inspire. 
 Role Overview: 
We are seeking a Product Manager II Consumer Credit to lead the underwriting strategy and execution across a suite of loan products, including Buy Now Pay Later (BNPL), Line of Credit, Purchase Financing, and Personal Loans.
You ll be responsible for shaping the product experiences, eligibility flows, and credit decisioning logic that underpin responsible, scalable lending. Working closely with the Credit Scoring PM, you will translate scoring outputs into business rules, partner with risk and data science teams to continuously optimize approval rates and losses, and ensure regulatory compliance.
This is a cross-functional role requiring strong collaboration with credit risk policy, data science, legal, engineering, and design teams, and a keen understanding of customer needs, risk trade-offs, and growth levers.
 Key Responsibilities: 
<ul>
<li>Productise the credit scoring by building services which helps users to understand their debt both internally and externally to enable gamification for users interacting with Tamara APP</li>
<li>Discover and own new/existing integrations for all alternate data sources used for scoring the users wrt enriching Demographics, Income and Expense data enabling better credit and fraud scoring efficiency</li>
<li>Liaise with the DS team to integrate new data models for fraud, credit and collections and unify the model integration gateway for other teams to consume score for respective use cases.</li>
<li>Own, simplify, define and supply customer segments based on each model enabling consumer teams to define GTM on targeted segments based on risk models</li>
</ul>
 What We re Looking For: 
<ul>
<li>5+ years of product management experience, ideally in consumer lending, fintech, or financial services</li>
<li>Proven experience working on credit, lending, or underwriting-related products</li>
<li>Familiarity with loan lifecycle management, including originations, servicing, and collections</li>
<li>Exposure to risk-based pricing, credit models, and regulatory constraints (e.g., KYC/AML, fair lending)</li>
<li>Strong problem-solving skills and ability to make trade-offs in a high-stakes environment</li>
<li>Strong data literacy; experience working with credit performance metrics and experimentation frameworks</li>
<li>Excellent stakeholder management and cross-functional communication</li>
<li>Able to collaborate closely with scoring, data science, credit policy, engineering, and customer-facing teams</li>
<li>Comfortable translating high-level goals into actionable product requirements</li>
</ul>
All qualified individuals are encouraged to apply.
To learn more about how we protect your privacy, please visit our Candidate privacy notice .

Product Manager II (Credit Scoring)

Experian

<div>As the Senior Product Manager &ndash; Innovation Specialist, you will define the product vision and manage the product execution process across the credit data product portfolio. Your key responsibility will be to bring new core credit products and services to the financial sector, with a strong focus on innovating the credit profile&mdash;enhancing how creditworthiness is assessed, enriched, and delivered to meet evolving market needs.
As a Senior Product Manager, you will plan and manage development projects from start to finish, ensuring that the products meet customer needs and drive measurable business impact. You will report to the Senior Director of Product Management.
Responsibilities:<ul><li>
Provide strong vision and execution to our product group and partner with Marketing, Sales, and Operations to drive net new revenue growth in the North American market.</li><li>
Work with Product Managers/Leaders across the business to stay connected to user needs and articulate business scenarios across a portfolio of products.</li><li>
Own the end-to-end process: ideation, concept design, launch, and commercialization.</li><li>
Lead innovation initiatives focused on the evolution of the credit profile, including the integration of alternative data, advanced analytics, and new scoring methodologies.</li><li>
Develop product enhancements, new products, and go-to-market activities by collaborating with cross-functional Experian business units, product teams, and external partners.</li><li>
Apply business metrics to prioritize opportunities and support the sales team in identifying target accounts and markets, driving adoption within specific sales verticals.</li><li>
Drive the strategic implementation of product roadmaps and marketing plans to build sales pipelines.</li><li>
Manage the revenue, growth, and performance metrics of your credit-based products, tracking progress against fiscal year goals.</li><li>
Oversee third-party relationships that support product functionality and innovation.</li></ul> 
 
<div>About Experian</div> 
Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, create marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realize their financial goals and help them save time and money.
We operate across a range of markets, from financial services to healthcare, automotive, agribusiness, insurance, and many more industry segments.
We invest in people and new advanced technologies to unlock the power of data. As a FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 22,500 people across 32 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com. 
 
<div>Experience and Skills</div> 
<ul><li>At least five years of experience in Product Management for B2B or D2C products.</li><li>
10 years of experience in the Financial Services industry with deep credit expertise.</li><li>
Proven track record of driving innovation in credit data or financial products.</li><li>
Familiarity with marketing frameworks and Agile product development.</li><li>
Experience conducting user interviews and collaborating with analytics, operations, systems, and marketing teams.</li><li>
Bachelor's degree or relevant experience; Master's degree preferred.</li></ul> 
 
<div>Additional Information 
</div> 
Benefits/Perks:<ul><li>
Great compensation package and bonus plan</li><li>
Core benefits including medical, dental, vision, and matching 401K</li><li>
Flexible work environment, ability to work remote, hybrid or in-office</li><li>
Flexible time off including volunteer time off, vacation, sick and 12-paid holidays</li><li>
Explore all our exciting benefits here: https://yourexperianbenefits.com/cand-index.html</li></ul>
Our uniqueness is that we celebrate yours. Experian's culture and people are important differentiators. We take our people agenda very seriously and focus on what matters; DEI, work/life balance, development, authenticity, collaboration, wellness, reward &amp; recognition, volunteering... the list goes on. Experian's people first approach is award-winning; World's Best Workplaces&trade; 2024 (Fortune Top 25), Great Place To Work&trade; in 24 countries, and Glassdoor Best Places to Work 2024 to name a few. Check out Experian Life on social or our Careers Site to understand why.
Our compensation reflects the cost of labor across several U.S. geographic markets. The base pay range for this position is listed above. Within this range, individual pay is determined by work location and additional factors such as job-related experience and education. You will also be eligible for a variable pay opportunity and a comprehensive benefits package.
Experian is proud to be an Equal Opportunity Employer for all groups protected under applicable federal, state and local law, including protected veterans and individuals with disabilities. Innovation is an important part of Experian's DNA and practices, and our inclusive workforce allows everyone to succeed and bring their whole self to work. If you have a disability or special need that requires accommodation, please let us know at the earliest opportunity.
#LI-Remote This is a remote position.</div>

Senior Product Manager - Innovation Specialist (Remote)

Uni Cards

<div>
 
 Uni is a new-age fintech company on a mission to redefine how people interact with
 
 
 credit. We&rsquo;re reimagining credit card products to deliver an unmatched experience to
 
 
 millions of Indians.
 
 
 
 
 
 
 Key Responsibilities:
 
 
 <ul>
 <li>
 
 Product Strategy:
 
 Develop and implement the product vision, strategy, and roadmap.
 </li>
 <li>
 
 Market Research:
 
 Conduct market research and competitor analysis to identify trends, opportunities, and threats in the industry.
 </li>
 <li>
 
 Stakeholder Collaboration:
 
 Work closely with internal and external stakeholders to gather requirements, define product features, and ensure alignment with business objectives.
 </li>
 <li>
 
 Product Development:
 
 Lead the end-to-end product development process, from concept to launch, ensuring timely delivery and high-quality standards.
 </li>
 <li>
 
 Customer Focus &amp;
 
 
 Compliance
 
 
 :
 
 Champion the voice of the customer, ensuring their needs and feedback are central to the product development process,
 
 comply with relevant regulations and industry standards.
 
 </li>
 <li>
 
 Performance Analysis:
 
 Monitor and analyze product performance metrics, using data-driven insights to inform product enhancements and optimizations.
 </li>
 <li>
 
 Innovation:
 
 Stay updated with the latest fintech trends and innovations, proactively incorporating new ideas and technologies into our product.
 </li>
 </ul>
 
 
 
 
 
 Skill Required:
 
 
 <ul>
 <li>
 Minimum of 2 years of product management experience.
 </li>
 <li>
 Strong analytical and problem-solving skills.
 </li>
 <li>
 Excellent communication and interpersonal abilities.
 </li>
 <li>
 Familiarity with agile development methodologies.
 </li>
 </ul>
</div>

Product Manager 2

myZoi

What you will do <ul> <li>Drive activation and usage of employer-facing payroll solution.</li> <li>Define scope and lead delivery for compliance-first MVPs of new B2B capabilities as well as enhancement of existing capabilities.</li> <li>Partner with UX to define end-to-end user journeys, and interaction flows for the portal.</li> <li>Design API-first experiences. Produce clear sequence diagrams and specs with Engineering.</li> <li>Implement policy requirements with Compliance, Risk, and Legal to set operational guardrails for B2B and lending/credit. </li> <li>Build innovative lending/credit capabilities from initial stage to launch. </li> <li>Shape requirements for downstream financial operations with Finance and Ops.</li> <li>Support Business Development by engaging employers in discovery, solutioning, demos, and pre-sales conversations.</li> <li>Co-own partner and vendor execution with Supply Chain.</li> </ul> What you have <ul> <li>6 to 8 years in product in fintech, processor, PSP, or adjacent B2B solutions.</li> <li>Shipped a regulated B2B product/feature end-to-end with measurable impact.</li> <li>Worked and executed on lending/credit products from initiation to market. </li> <li>Strong API fluency and comfort creating sequence diagrams.</li> <li>Clear B2B growth wins you can quantify.</li> <li>Nice to have: experience with real-time account-to-account networks, payment acceptance, billing artifacts, and KYB.</li> </ul>

Product Manager

AHOY

Key Responsibilities <ul> <li> Define roadmap for embedded finance and automotive loan flows </li> <li> Translate regulatory and credit needs into delightful UX </li> <li> Optimize credit approval journeys and multi-bank connectivity </li> <li> Work closely with CTO and CEO on product-market fit </li> </ul>

Head of Product

Rak Bank

What You'll Be Doing:
<ul>
<li>Support the Head of Unsecured Assets in shaping and executing the unsecured lending strategy.</li>
<li>Develop a forward-looking roadmap aligned with customer needs, market trends, and regulatory requirements.</li>
<li>Execute initiatives that drive digital adoption, growth, and profitability.</li>
<li>Set and manage pricing strategies, credit limits, and pre-approved offers.</li>
<li>Collaborate with Risk and Credit teams to balance competitiveness with risk appetite.</li>
<li>Monitor and optimize funnel performance across acquisition, drop-off, and conversion.</li>
<li>Lead design and rollout of end-to-end digital lending journeys (e.g., STP, automation).</li>
<li>Partner with analytics teams to implement data-driven improvements.</li>
<li>Drive commercialization through digital marketing and personalized offers.</li>
<li>Work with sales and distribution teams to boost product adoption.</li>
<li>Provide training and insights to enhance sales effectiveness and digital conversion.</li>
<li>Collaborate with Marketing on integrated campaigns to maximize acquisition and ROI.</li>
<li>Monitor portfolio performance for growth, yield, and risk-adjusted returns.</li>
<li>Drive retention, cross-sell, and lifecycle initiatives.</li>
<li>Enhance digital customer experience, measured by NPS and complaint reduction.</li>
<li>Ensure compliance with UAE Central Bank regulations and internal policies.</li>
<li>Own the RCSA for unsecured products.</li>
<li>Proactively manage product, operational, and fraud risks, internal policies.</li>
<li>Proactively manage product, operational, and fraud risks.</li>
</ul>

Associate Vice President, Product Manager

Mastercard

<div>Our Purpose
Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we&rsquo;re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.
Title and Summary
Vice President, Product Management, Credit
About the Role 
Mastercard is seeking a strategic and visionary leader to head Product Management for Consumer Credit Cards across Eastern Europe, Middle East, and Africa (EEMEA). This role is central to driving innovation, market leadership, and customer-centric delivery in one of the most diverse and high-potential regions globally. 
As Vice President, you will lead a high-performing team to shape Mastercard&rsquo;s credit card portfolio, build strategic partnerships, and deliver differentiated solutions across key consumer segments&mdash;such as affluent, travel-savvy, and everyday spenders. You will be responsible for accelerating growth, enhancing profitability, and positioning Mastercard as the preferred credit card brand in the region. 
You will drive ideation conception, business plan development, research and validation of ideas and implementation of new programs and features that support the MasterCard offering. 
 
Key Responsibilities 
Segment-Focused Product Strategy 
<ul><li>Develop and execute tailored product strategies for:</li></ul>
o Affluent Lifestyle Propositions: Curate premium product propositions, experiences, offers and benefits, and exclusive benefits for high-net-worth individuals. 
o Travel Category Leadership: Launch and scale travel-centric products with aim to create value for frequent travelers. 
o Everyday Benefits Products: Design mass-market offerings that deliver everyday value through cashback, rewards, and utility-based features in partnership with right partners. 
Innovation &amp; Execution 
<ul><li>Lead the end-to-end product lifecycle&mdash;from ideation and design to launch and optimization.</li><li>Drive rapid execution of new initiatives with agility and precision.</li><li>Stay ahead of consumer trends and competitive dynamics to deliver market-leading innovations.</li></ul>
Strategic Partnerships 
<ul><li>Build and manage strategic relationships with issuers, fintechs, travel and lifestyle partners, and digital platforms.</li><li>Co-create differentiated solutions that unlock new growth opportunities and enhance customer engagement.</li></ul>
Customer Delivery &amp; Experience 
<ul><li>Champion customer-centricity in product development and delivery.</li><li>Ensure Mastercard credit products deliver superior value, convenience, and engagement across all segments.</li></ul>
Market Leadership &amp; Competitive Positioning 
<ul><li>Develop and execute strategies to gain market share and establish Mastercard as the top-of-wallet choice.</li><li>Monitor competitive landscape and respond with bold, differentiated offerings.</li></ul>
Profitability &amp; Portfolio Management 
<ul><li>Manage product performance, pricing, and profitability across diverse markets.</li><li>Optimize portfolio mix and drive sustainable growth through data-driven insights.</li></ul>
Stakeholder Management &amp; Collaboration 
<ul><li>Influence and align cross-functional teams across sales, marketing, operations, and technology.</li><li>Foster collaboration to deliver integrated go-to-market success.</li></ul>
Talent Development &amp; Team Leadership 
<ul><li>Lead, mentor, and grow a diverse team of product managers across the region.</li><li>Build a culture of innovation, accountability, and high performance.</li></ul> 
Qualifications 
<ul><li>15+ years of experience in product management, preferably in consumer credit cards or financial services.</li><li>Proven success in leading regional portfolios and launching segment-specific products.</li><li>Strong strategic thinking, commercial acumen, and execution capabilities.</li><li>Deep understanding of consumer behavior, payments innovation, and competitive dynamics in EEMEA.</li><li>Exceptional stakeholder management and leadership skills.</li><li>Bachelor&rsquo;s degree required; MBA or equivalent preferred.</li></ul> 
Why Mastercard? 
<ul><li>Be part of a global technology company transforming the way the world pays.</li><li>Lead innovation in one of the most exciting and fast-growing regions.</li><li>Work with passionate teams and world-class partners to shape the future of consumer finance.</li></ul>
Corporate Security Responsibility 
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:<ul><li>
Abide by Mastercard&rsquo;s security policies and practices;</li><li>
Ensure the confidentiality and integrity of the information being accessed;</li><li>
Report any suspected information security violation or breach, and</li><li>
Complete all periodic mandatory security trainings in accordance with Mastercard&rsquo;s guidelines.</li></ul></div>

Vice President, Product Management, Credit

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