Lead – Lending Products
1 week ago
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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