Product Manager

Company Description

Tonik Digital Bank led the way as the first digital banking license issued by Bangko Sentral ng Pilipinas (BSP), championing financial inclusion and expanded credit access for Filipinos. Our aim is crystal clear: create better financial products through inclusivity, simplified processes, lower costs, greater transparency, and the flexibility to meet diverse financial needs on the most secure mobile banking platform. Innovation is not a checkbox here—it's in our DNA. With a focus on innovation and customer-centric solutions, we aim to serve the 70% of Filipinos who remain unbanked.

Role Description

This is a 3-day-a-week on-site Hybrid role located in Manila. The Product Manager - Cash Loan will be responsible for managing the cash loan product lifecycle, including product planning, development, and implementation. Daily tasks include conducting market research, creating product strategies, collaborating with cross-functional teams, defining product requirements, and ensuring the product meets customer needs. The Product Manager will also analyse product performance and identify opportunities for improvement to achieve business objectives.

Why Join Tonik as a Product Manager

• Impact at scale: Lead loan products that touch millions of customers, driving financial well-being across the country.
• Leadership that elevates: Mentor and empower a team of Product Managers, reporting to the Head of Product, shaping the roadmap and capabilities of our lending portfolio.
• Strategic influence: Define and optimise key loan performance metrics using data-driven insights from market and customer signals to uncover new opportunities for enhancement and innovation.
• End-to-end ownership: From business requirements to user stories, test scenarios, and go-to-market plans, you'll own the product lifecycle end-to-end.
• ** Cross-functional collaboration**: Partner with Technology, Risk, Compliance, Operations, and Growth teams to refine requirements, align on release plans, and ensure smooth delivery across backend and mobile apps.
• Hands-on quality assurance: Lead end-to-end Product UAT, spanning app interfaces to backend loan processing and operational handling.
• Risk-aware growth: Work closely with Risk Management to improve loan portfolio quality while maintaining regulatory compliance.
• Customer-focused excellence: Support back office, collections, sales, and customer service to optimise the product's success and customer experience.

Responsibilities:

• Leadership & People: Lead to deliver Tonik's loan products, reporting directly to the Head of Product.
• Strategic Vision: Define, monitor, and optimise loan performance metrics; leverage market and customer data to identify opportunities for product enhancements and innovations.
• Requirements & Quality: Manage creation of business requirements, user stories, and test scenarios.
• Cross-Functional Threads: Collaborate with Technology and Product teams to refine requirements with business analysts, coordinate development with backend and mobile app teams, and align on a release plan with the tech delivery and Product teams.
• End-to-End Excellence: Conduct end-to-end Product UAT testing, from app interface to backend processing and operational loan handling.
• Portfolio Quality: Work with Risk Management to continuously improve loan portfolio quality.
• Compliance & Enablement: Ensure regulatory compliance and support back office, collections, sales, and customer service to drive product success.

Qualifications:

• Bachelor's degree or equivalent in Finance, IT, or related field.
• 5+ years in product management (fintech or banking preferred), with 3+ years building and launching B2C lending products, and at least 2 years leading a product management team.
• Data-driven mindset with strong proficiency in Microsoft Excel; Power BI or Datadog experience is a plus.
• Excellent problem-solving and analytical abilities; operational experience is a bonus.
• Familiarity with product design tools like Figma, Lucidchart, and Jira.
• Strong written, verbal, and collaboration skills.

If you're energised by shaping the future of digital lending in emerging markets, translating customer needs into bold product strategies, and leading teams that ship with speed and precision, Tonik is the place to amplify your impact. Ready to redefine how money works for millions of Filipinos? Let's build it together.