Responsibilities:
Develops product proposition for Near Prime Customers Segment in field of Consumer Goods financing (POS loans), Retail Lending and Credit Cards.
Analyzes market environment and competitors offers in target customers segments.
Designs product value proposition tailored for target customers segments balancing product attractiveness, technological feasibility, licensing limitations and financial efficiency.
Develops customers product legal, financial and technological layers to ensure smooth customers onboarding and business processes around customers lifecycle.
Takes responsibility for product P&L; and initiating appropriate product / business processes changes to reach target KPIs.
Designs online & offline retailers and marketplaces integrations concepts to provide customers with financing solutions.
Ensures customers acquisition at target volumes within certain cost per sale limit.
Manages customers lifecycle processes on all stages: onboarding, first and further usage and retention stage.
Owning customers and product metrics like time2yes, time2cash, activation rate,



usage rate, balance per customer, profitability, attrition rate etc.
Ensures that recent product propositions meet all cost, quality and performance objectives outlined in the products conceptual phase.
Develops success matrix to set clear expectation for results to be achieved by the introduction of new products and initiatives.
Creates and manages the overall Product Management process.
Gathers and analyzes feedback from sales, marketing, development, and the market.
Analyzes an action plan (development and fulfillment) of each product’s UE increase, customer segments’ LTV and an efficiency of each product.
Cooperates with marketing, risks, IT, finance and legal departments both in HQ and countries.
Manages customers product usage experience through continuous product and processes development.
Requirements:
Solid experience in field of Consumer Goods financing (POS loans), Retail Lendi

📌 Head of Product (Bengaluru)
🏢 Digital Finance International
📍 Bengaluru