Product Manager/Product Owner (Lending Product)

Qualifications

• Bachelor's or Master’s degree in Banking, Finance, Data Science, or Economics from a top university.
• MBA from a prestigious university in the UK, US, Australia, or other Western countries is considered a plus

Experience

• 3-5 years of experience in the Risk Department for SME segment in a leading commercial bank or working in credit scoring consulting firms, financial advisory firms, or credit rating agencies.
• Proven experience in developing and managing lending products, digital finance solutions, or credit scoring models.
• Experience working with both traditional and modern credit assessment models.

Skills & Competencies

Technical & Analytical Skills:

Strong understanding of: 

• Credit scoring models, credit risk management, fraud detection, and early warning systems.
• SME financial assessment methodologies and alternative credit scoring approaches.

Proficiency in: data analysis to drive data-driven decisions and optimize credit models.

Hands-on experience with: 

• Advanced analytical tools
• Data modeling & forecasting techniques for credit scores and loan repayment capabilities.
• (Preferred) Knowledge of machine learning/AI-based credit models.

Business & Strategic Skills:

• Ability to develop and execute go-to-market strategies for financial products.
• Strong negotiation skills in managing partnerships with banks and financial institutions.
• Experience in product lifecycle management in financial services or fintech.

Leadership & Communication Skills:

• Excellent communication, persuasion, and negotiation skills.
• Strong problem-solving abilities and strategic thinking.
• Ability to lead cross-functional teams and collaborate with stakeholders from different departments.