Role Overview

The Senior Technical Product Manager: Credit Technology is responsible for defining, managing, and delivering credit technology platforms and products that enable digital lending capabilities, including loan origination, credit decisioning, servicing, and collections.

This role ensures that credit technology solutions are scalable, secure, intelligent, and aligned with business objectives, risk management frameworks, regulatory requirements, and customer experience goals.

The position acts as the bridge between business, technology, risk, data, and operational teams, ensuring successful delivery of credit platforms through strong product ownership, technical understanding, and strategic execution.

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Key Responsibilities

1. Product Strategy & Roadmap

• Define and own the product vision, strategy, and roadmap for credit technology platforms, including:
  • Loan origination platforms
  • Credit decisioning systems
  • Loan management solutions
  • Collections platforms
• Align credit technology strategy with business objectives, digital transformation initiatives, lending strategies, and regulatory requirements.
• Identify opportunities to improve lending capabilities through emerging technologies and market trends, including:
  • AI/ML-driven credit scoring
  • Embedded finance
  • Digital lending platforms
  • Buy Now Pay Later (BNPL) solutions
  • Alternative credit assessment models
• Drive continuous improvement of credit products based on customer needs, market trends, and business priorities.

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2. Product Delivery & Execution

• Lead cross-functional teams including:
  • Engineering
  • Product
  • Risk
  • Data Science
  • Operations
  • Compliance
• Translate business requirements into technical product specifications, user stories, acceptance criteria, and delivery priorities.
• Manage the end-to-end product lifecycle, from concept and design through development, deployment, and optimisation.
• Ensure delivery of scalable and secure credit platforms while balancing:
  • Speed to market
  • Product quality
  • Risk management
  • Regulatory compliance
• Drive implementation of:
  • Real-time credit decisioning capabilities
  • API-driven lending workflows
  • Automated loan servicing processes
  • Digital credit journeys
• Support Agile product delivery through backlog management, prioritisation, and stakeholder alignment.

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3. Governance, Risk & Compliance

• Ensure credit technology platforms comply with:
  • Credit regulations
  • Consumer protection requirements
  • Data privacy standards
  • Risk management frameworks
• Collaborate with risk and compliance teams to embed:
  • Credit policies
  • Affordability assessments
  • Credit bureau integrations
  • Regulatory controls
• Ensure appropriate governance of:
  • Data security
  • Customer information protection
  • Regulatory reporting
  • Audit requirements
• Support compliance reviews, audits, and regulatory engagements related to credit technology platforms.

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4. Data & Decisioning Enablement

• Collaborate with data science teams to improve:
  • Credit scoring models
  • Risk segmentation
  • Affordability assessments
  • Decisioning capabilities
• Enable integration with:
  • Credit bureaus
  • Alternative data providers
  • AI/ML models
  • Analytics platforms
• Support the use of data-driven insights for credit portfolio management and decision-making.
• Ensure availability of real-time analytics, reporting, and monitoring capabilities for credit operations.

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5. Stakeholder & Vendor Management

• Act as the product owner connecting business functions including:
  • Lending
  • Credit Risk
  • Collections
  • Operations
  • Technology teams
• Manage relationships with technology vendors, lending platform providers, credit decisioning solution providers, and strategic partners.
• Collaborate with internal and external stakeholders to ensure successful delivery of credit technology capabilities.
• Represent credit technology strategy in:
  • Product governance forums
  • Executive discussions
  • Steering committees
  • Regulatory engagements

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Educational Qualifications

Essential

• Bachelor’s degree in:
  • Computer Science
  • Information Systems
  • Finance
  • Business Technology
  • Related discipline

Preferred

• Postgraduate qualification such as:
  • MBA
  • MSc in FinTech
  • MSc in Data Science
  • MSc in Risk Management

Professional Certifications (Preferred)

Credit Risk & Banking

• CFA
• Financial Risk Manager (FRM)
• Equivalent credit risk certifications

Product Management

• Professional Scrum Product Owner (PSPO)
• SAFe Product Owner/Product Manager (POPM)
• Agile Product Management certifications

Data & Technology

• Machine Learning certifications
• Data Analytics certifications
• Cloud certifications:
  • AWS
  • Azure
  • Google Cloud Platform

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Relevant Experience

• 10–12 years’ experience in product management, credit technology, digital lending, or financial technology environments.
• Minimum 5 years’ experience in senior product ownership or technical product management roles.
• Proven experience delivering credit and lending technology platforms, including:
  • Loan origination
  • Credit decisioning
  • Loan servicing
  • Collections systems
• Strong understanding of:
  • Credit lifecycle management
  • Lending processes
  • Credit risk principles
  • Regulatory requirements
• Experience working with:
  • Credit decisioning engines
  • Credit bureau integrations
  • APIs
  • Digital lending platforms
  • Data-driven decisioning solutions
• Exposure to:
  • Embedded finance
  • Alternative credit scoring
  • AI-enabled lending solutions
  • Automated lending workflows
• Experience working within regulated industries such as banking, financial services, or technology platforms is preferred.

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Core Skills & Competencies

Technical Product Management

• Product strategy and roadmap development
• Platform product ownership
• API and integration understanding
• Credit technology solutions
• Digital product delivery
• Agile product management

Credit & Risk Expertise

• Credit lifecycle management
• Lending workflows
• Credit decisioning
• Risk assessment
• Compliance requirements
• Regulatory awareness

Data & Technology

• Data-driven product decisions
• AI/ML concepts
• Analytics and reporting
• System integrations
• Cloud technology awareness

Leadership & Collaboration

• Strong stakeholder management
• Cross-functional team leadership
• Executive communication
• Vendor management
• Strategic thinking
• Problem-solving capability

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Personal Attributes

• Strategic and customer-focused mindset
• Strong analytical and decision-making skills
• Ability to balance business growth, risk, and compliance requirements
• Excellent communication and influencing skills
• Comfortable working across business and technology teams
• Strong ownership and accountability
• Passion for innovation and digital transformation