Job Description
Overview
The Product Lead for Personal and Business Loans owns end‑to‑end product management, driving portfolio growth while ensuring risk‑adjusted profitability and compliance. The role combines product strategy, credit policy, pricing, and cross‑functional stakeholder coordination.
Responsibilities
- Develop and manage the loan product lifecycle, define propositions, customer segments, sourcing channels, and growth strategies
- Formulate and periodically review underwriting and credit policies, monitor portfolio performance and adapt to risk trends and regulatory changes
- Own product‑level P&L, monitor yields, spreads, NIM and conduct competitor pricing benchmarking
- Track portfolio growth, delinquency trends, vintage performance and lead initiatives to improve quality and risk‑adjusted returns
- Lead process transformation, audit/compliance governance and collaborate with risk, analytics, operations, technology and sales teams
Eligibility
- Deep domain expertise in personal and business loan products within banking or fintech
- Proven experience in product management, credit policy formulation, P&L ownership and regulatory compliance
- Relevant educational background such as MBA, Finance, Economics or equivalent
Skills
Product ManagementCredit PolicyPricing StrategyPortfolio AnalyticsStakeholder Management
