Product Manager / Product Owner - Financing Products

Product Owner – Lending & Growth

About the Role

We are looking for a driven, end-to-end Product Owner to own and scale a lending product. You will take full responsibility for product design, pricing, customer journey, marketing, and profitability. This role combines product ownership, growth strategy, marketing execution, and cross-functional leadership.

Key Responsibilities

Product Ownership & Development

• Own the product end to end: design, pricing, terms, eligibility, customer journey, and overall economics.
• Continuously analyze customer needs and market data to refine the product and keep it 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 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.

Qualifications

Required

• 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.

What We Offer

Feel Good

A friendly and dynamic work environment with an excellent well-being program, including health insurance (after probation period), pension scheme (after probation period), and 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. Enjoy bonuses and awards for great work and participate in victory celebrations with your co-workers.

Grow

Grow together with an intelligent team. Develop yourself and the company with the established feedback culture. Expand your knowledge with training possibilities.