Lead – Lending Products

1 week ago


Pasig, National Capital Region, Philippines Tonik Full time

About the Job

This role owns Tonik's full lending product suite — Tendo, Shop Installment Loans, Acquisition Cash Loan, Revolving Credit Limit — and leads the lending PM team. The mission is to ensure lending products support Tonik's key objectives: strong portfolio growth, high profitability (RAROC, COR), and seamless user experience.

Responsibilities

  • Own lending strategy and roadmap across all loan products.
  • Manage and coach PMs for Tendo, SIL, ACL, and RCL.
  • Work closely with Business Heads to align product features with commercial goals.
  • Ensure consistent PM execution: BRDs, UAT, delivery, documentation.
  • Use data to prioritize improvements impacting portfolio performance.
  • Partner with Risk on pricing, segmentation, scoring, limits, and fraud.
  • Collaborate with Tech on delivery timelines and integrations.

Qualifications

  • 8+ years in lending product management; 3+ years leading PMs.
  • Strong understanding of PH lending economics and risk-product alignment.
  • Experience with LMS, scoring, and core banking systems.

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