Website:
kwanventures.com
Job details:
We are looking for a Product Manager – Personal Loans to own and drive the product charter for the personal loans business within a fast-growing fintech platform operating across financial services and commerce.
The role will work closely with business, technology, risk, credit, analytics, operations and marketing teams to build scalable lending products, improve customer journeys and drive growth across the personal loan lifecycle from acquisition and eligibility to underwriting, disbursal, repayment and repeat borrowing.
This is a high-ownership role for a product professional who combines strong product thinking, customer understanding, data orientation and knowledge of digital lending.
Key Responsibilities
- Own the product roadmap and strategy for the personal loans business, aligned with overall business and revenue objectives.
- Drive the end-to-end digital lending journey — customer acquisition, eligibility, application, KYC, credit assessment, approval, disbursal, repayment and repeat loans.
- Identify customer and business problems through data, research and market insights and translate them into product opportunities.
- Work closely with Credit, Risk, Engineering, Data Science, Operations, Collections, Marketing and Business teams to build and scale lending products.
- Improve key product metrics including conversion, approval rates, disbursal, TAT, customer acquisition, repeat borrowing and portfolio quality.
- Build and optimise product journeys across mobile/web and other customer touchpoints.
- Leverage customer and transaction data to develop personalisation, segmentation and pre-approved/pre-qualified lending propositions.
- Partner with Risk and Credit teams to integrate and optimise credit policies, bureau data, alternative data and decisioning systems into the customer journey.
- Drive experimentation through A/B testing, funnel analysis and cohort-based insights to improve product performance.
- Identify opportunities to leverage the broader financial services and e-commerce ecosystem to improve customer acquisition, engagement and cross-sell.
- Work with technology teams to define product requirements, prioritise features and ensure timely execution.
- Track competitive developments and emerging trends across digital lending, fintech and consumer credit.
Candidate Profile
- 3–7 years of experience in Product Management, preferably within fintech, digital lending, or consumer finance.
- Strong experience in building and scaling consumer-facing digital products.
- Prior experience working on personal loans, consumer lending, BNPL, credit cards or other lending products will be strongly preferred.
- Strong understanding of the digital lending lifecycle, including credit, risk, underwriting, KYC, disbursal and collections.
- Data-driven mindset with the ability to use metrics, funnels and customer insights to make product decisions.
- Strong understanding of product development methodologies and experience working with engineering and technology teams.
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