Product Manager / Product Owner - Financing Products

What you will do:

Product Ownership & Development

• Own the product end to end. its design, pricing, terms, eligibility, customer journey and overall economics.
• Continuously analyze customer needs and market data to create and refine the product so it stays competitive and relevant.
• Define and prioritize the product roadmap; translate business goals into clear requirements for delivery teams.
• Identify and launch new business lines, segments and product variations to open additional growth.

Growth & Scaling Issuances

• Take full responsibility for scaling the product growing issuance volumes and portfolio within agreed budget and risk appetite.
• Build and develop new client-acquisition channels (digital, branch, partner, agent and referral).
• Drive both new client acquisition and up-sale / cross-sell to existing customers.
• Improve the end-to-end sales funnel and conversion, removing friction across the customer journey.

Marketing & Communication

• Own the full marketing plan for the product, from strategy through to execution and results.
• Develop and oversee all content across channels - digital, social, print and offline / in-branch.
• Initiate campaigns, promotions and special offers to keep issuances on plan and respond to market conditions.
• Manage the marketing budget for the product and optimize spend against acquisition cost and return.

Cross-functional Leadership & Process Improvement 

• Lead IT and digital projects that improve product presentation, the sales funnel and operational efficiency.
• Work closely with risk, credit, operations, sales and finance to balance growth with portfolio quality.
• Generate and implement ideas to improve branches, shops and other customer touchpoints.

Performance & Accountability

• Define, track and act on KPIs for product growth, customer acquisition, conversion, retention and profitability.
• Use data and customer insight to make decisions, run experiments and report on performance to leadership.
• Bring a growth mindset think big, take responsibility and own outcomes end to end.

What you Need:

• Bachelor’s degree in business, marketing, finance, economics or a related field. 
• 4+ years of experience in product management, product ownership, product marketing or commercial roles - ideally in financial services, fintech, lending or a related consumer-facing industry.
• Proven track record of growing a product, channel or P&L (e.g. growth in sales, issuances or revenue).
• Experience owning marketing plans and campaigns across digital and offline channels.
• Comfortable working with data and analytics tools to track performance and inform decisions.
• Experience leading or coordinating IT / digital development projects (Agile / product-owner experience is an advantage).
• Lending, credit or loan-product experience is a strong plus.

Nice to Have:

•  Strong ownership and accountability: treats the product as their own business.
•  Commercial and analytical: comfortable with data, unit economics and KPIs.
•  Growth mindset: ambitious, willing to think big and test new ideas.
•  Cross-functional leadership: influences and aligns teams without direct authority.
•  Customer centric: builds products and campaigns around real customer needs.
•  Execution focused: turns strategy into shipped results, fast.
•  Clear communicator: strong stakeholder management and reporting.

With us you will:

Feel Good

• A friendly and dynamic work environment
• An excellent well-being program:
• Health insurance (after probation period)
• Pension scheme (after probation period)
• Active social life and events

Win

• Fast results without the friction of bureaucracy
• Great victories due to the transparency of the company and its goals
• Bonuses and awards for the great work
• Participate in victory celebrations with your co-workers

Grow

• Together with an intelligent team
• Yourself and the company with the established feedback culture
• Your knowledge with training possibilities