Senior Technical Product Manager: CredTech

The Senior Technical Product Manager: CredTech is responsible for defining and delivering credit technology platforms and products that enable origination, decisioning, servicing, and collections across the enterprise. This role ensures that credit products are powered by scalable, secure, and intelligent technology solutions while balancing risk management, compliance, and customer experience.

Key Responsibilities

1. Product Strategy & Roadmap

• Own the product vision and roadmap for credit technology platforms, including origination systems, loan management systems, decisioning engines, and collections platforms.
• Align CredTech product strategy with enterprise digital transformation, lending strategy, and regulatory requirements.
• Stay ahead of industry trends such as AI/ML-driven credit scoring, embedded finance, Buy Now Pay Later (BNPL), and digital lending ecosystems.

2. Product Delivery & Execution

• Lead cross-functional teams including Engineering, Risk, Data Science, and Operations to deliver credit platforms and services.
• Translate business needs into technical product requirements and user stories.
• Oversee the end-to-end product delivery lifecycle, ensuring speed-to-market while maintaining quality and compliance.
• Implement real-time decisioning, API-driven origination flows, and automated loan servicing capabilities.

3. Governance, Risk & Compliance

• Ensure CredTech platforms comply with credit regulations, consumer protection laws, and risk management frameworks.
• Partner with Risk and Compliance teams to embed credit policies, affordability checks, and credit bureau integrations.
• Govern data security, privacy, and regulatory reporting within CredTech products.
• Support audits, compliance reviews, and regulatory interactions related to credit technology.

4. Data & Decisioning Enablement

• Collaborate with Data Science teams to enhance credit scoring models, affordability assessments, and risk segmentation.
• Drive integration with credit bureaus, alternative data providers, and AI/ML models.
• Ensure real-time analytics and dashboards are available for portfolio management and decisioning oversight.

5. Stakeholder & Vendor Management

• Act as the Product Owner bridging business functions such as Credit, Lending, Risk, and Collections with Technology teams.
• Manage vendor relationships with core lending platforms, credit decision engines, and fintech partners.
• Represent CredTech product strategy in executive committees, steering boards, and governance forums.

Educational Qualifications

• Bachelor’s Degree in Computer Science, Information Systems, Finance, or a related field (mandatory).
• Postgraduate qualification (MBA, MSc in FinTech, Risk, Data Science, or a related discipline) is advantageous.

Professional Certifications (Preferred)

Credit Risk / Banking

• CFA (Chartered Financial Analyst)
• FRM (Financial Risk Manager)
• Equivalent Credit Risk or Banking certifications

Product Management

• Agile Product Owner Certifications (PSPO, SAFe POPM)

Data & Decisioning

• Machine Learning certifications
• Data Analytics certifications

Cloud & Platform Certifications

• AWS Certifications
• Azure Certifications
• Google Cloud Platform (GCP) Certifications

Relevant Experience

• 10–12 years of experience in Product Management or Credit Technology, with at least 5 years in senior product ownership roles.
• Proven track record in delivering credit and lending platforms, including origination, decisioning, and loan servicing solutions.
• Strong knowledge of credit risk management, lending workflows, and regulatory requirements.
• Experience with decisioning engines (e.g., FICO, Experian, Provenir), credit bureau integrations, and APIs.
• Exposure to digital lending models, embedded credit, BNPL, and alternative credit scoring methodologies.
• Prior experience within regulated industries such as Banking, FinTech, or Financial Services is preferred.

Core Skills & Competencies

• Strong technical product management expertise across platforms, APIs, integrations, and credit systems.
• Deep understanding of the credit lifecycle, including origination, decisioning, servicing, and collections.
• Ability to balance risk management, compliance requirements, and customer experience objectives.
• Excellent stakeholder management skills across Credit, Risk, Compliance, Engineering, and Data Science functions.
• Strong analytical and problem-solving capabilities with a data-driven mindset.
• Ability to influence executives, vendors, and regulators with clarity, credibility, and authority.