Product Manager

14 hours ago


Makati City, National Capital Region, Philippines PalmPay Full time

PalmPay
is a leading fintech company committed to providing innovative payment and consumer finance solutions that make digital financial services more accessible, safe, and rewarding.We are expanding our presence in the Philippines through mobile installment programs for Transsion brands (Tecno / Infinix / Itel), enabling consumers to enjoy flexible and affordable financing options.Current company seeking a
Product Manager
who will be responsible for leading the end-to-end product lifecycle of mobile phone lending and device financing solutions. The role requires strong experience in
mobile device lending, fintech credit products, and telco/retail device financing
, with specific exposure to the
Philippines market
. The successful candidate will drive product strategy, execution, and performance while ensuring regulatory compliance and commercial viability.

Key Responsibilities
Define and execute the
product strategy and roadmap
for mobile phone lending and device financing products.

Manage the
full product lifecycle
, from ideation, market research, and requirements gathering to launch, optimization, and scaling.

Collaborate with
engineering, risk, credit, operations, sales, and marketing teams
to deliver product enhancements and new features.

Design and optimize
loan structures
, repayment models, pricing, and eligibility criteria for device financing products.

Work closely with
credit and risk teams
to develop underwriting rules, fraud prevention controls, and portfolio performance monitoring.

Analyze
product performance metrics
including adoption, conversion, repayment behavior, defaults, and profitability.

Ensure full compliance with
local regulations in the Philippines
, including lending, consumer protection, and data privacy requirements.

Coordinate with
OEMs, distributors, retailers, and telco partners
involved in mobile device financing programs.

Gather customer insights and market feedback to continuously improve user experience and product value.

Prepare product documentation, business cases, and performance reports for senior management.

Key Requirements
Bachelor's degree in
Business, Finance, Economics, Information Systems, or a related field
.

Minimum of
3–5 years' experience
as a Product Manager in
fintech, device financing, or mobile lending
.

Proven experience in
mobile phone lending / device financing products
, preferably within the
Philippines market
.

Strong understanding of
digital lending models, credit risk, collections, and lifecycle management
.

Experience working with
cross-functional teams
in fast-paced fintech or financial services environments.

Knowledge of
Philippines lending regulations
and industry best practices is highly desirable.

Strong analytical skills with the ability to interpret data and make product-driven decisions.

Excellent communication and stakeholder management skills.

Preferred Qualifications
Experience with
BNPL, installment-based lending, or smartphone financing platforms
.

Exposure to
Android device locking, KYC, and loan management systems
.

Background in
emerging markets fintech
is an added advantage.

Key Competencies
Strategic thinking and execution

Customer-centric product design

Data-driven decision making

Risk and compliance awareness

Strong problem-solving skills

Stakeholder and partner management

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