Job Description
DescriptionAs we rapidly scale our SME lending portfolio, we are seeking a strategic and execution-focused Product Manager – Lending Lead to take full ownership of the product lifecycle and drive measurable growth from day one.
This role requires a hands-on, data-driven, and commercially astute leader with proven experience designing, launching, and scaling digital lending products tailored for B2B and SME clients. The ideal candidate will be expected to deliver tangible initial outcomes and strategic milestones within the first 6 to 8 weeks.
Responsibilities
What You’ll DoEnd-to-End Product Ownership: Take full ownership of the SME digital lending product lifecycle, from ideation and feature development through to market launch and continuous iteration.
Credit Decision & Risk Optimization: Refine and enhance risk models, automated approval workflows, and credit decision logic to streamline lending while maintaining asset quality.
Acquisition & Distribution Strategy: Optimize digital customer acquisition funnels, distribution channels, and onboarding workflows to accelerate user growth.
Portfolio Growth & Profitability: Drive sustainable portfolio expansion while carefully balancing risk parameters, unit economics, and profitability margins.
Data-Driven Prioritization: Leverage deep data analysis, unit economics, and clear business impact metrics to prioritize product backlogs and roadmap execution.
Cross-Functional Collaboration: Partner closely with Risk, Data, Engineering, Operations, and Commercial teams to ensure seamless product delivery and alignment.
Market Localization: Adapt proven international digital lending frameworks and best practices to fit the unique dynamics and regulatory landscape of the Nigerian market.
Requirements
RequirementsProfessional Experience
Product Management Experience: Minimum of 4 to 7 years of product management experience, with a strong, demonstrable background in building and scaling digital lending products for SME and B2B clients.
Global Exposure: Practical experience or exposure working across international markets (such as Europe, LatAm, Southeast Asia, USA, UK, or similar emerging/developed tech ecosystems).
Track Record: A proven history of successfully scaling lending products, optimizing credit funnels, and driving portfolio growth.
Technical & Domain Expertise
Credit & Risk Frameworks: Solid, hands-on understanding of risk frameworks, credit scoring models, underwriting processes, and key portfolio performance metrics (e.g., NPLs, cohort performance).
Data-Driven Approach: Highly analytical mindset with a proven ability to leverage data for product prioritization, unit economics assessment, and strategic decision-making.
Soft Skills & Competencies
Stakeholder Management: Strong interpersonal and communication skills to effectively align cross-functional teams and executive leadership.
Language Proficiency: Fluent in English, with exceptional written and verbal communication abilities.
Benefits
BenefitsWhat We Offer (Benefits & Perks)
Global Flexibility: Enjoy the freedom of working remotely from anywhere in the world.
Competitive Compensation: Earn a competitive salary complemented by attractive performance bonuses.
Time Off: Generous time-off policy including 25+ paid vacations and personal days.
Professional Growth: Benefit from a dedicated personal development plan, access to cutting-edge tools, and rapid career progression in a fast-paced environment.
Impact & Culture: Shape the future of fintech in Nigeria with products that impact millions, working alongside a diverse, collaborative, and inclusive team where every voice matters.
