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 current 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 Lending (Installment Loans) and/or Credit Cards in banking or Fintech (priority) is a must.
- Experience of ancillary products management.
- High level understanding of the other functions such as risks, marketing, IT.
- Fluent level of English (oral and written).
- Good analytical skills, thinking out of the box, flexibility.
- Capability to track and solve several tasks meantime.
- Eager to learn new, open-minded, advanced communication skills with very good soft skills.

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