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JOB RESPONSIBILITIES
- Conduct market research and analyze customer borrowing behavior and trends.
- Define product features, pricing, and credit structures aligned with customer needs.
- Develop and maintain product documentation, business cases, and approval materials.
- Coordinate with IT, Risk, and Operations to ensure smooth product design and system setup.
- Identify customer segments for acquisition, retention, and reactivation.
- Develop marketing and cross-selling initiatives with CVM and Digital teams.
- Recommend optimization strategies to improve adoption and revenue.
- Monitor portfolio growth, product usage, and customer penetration.
- Monitor portfolio delinquency and ensure PAR >30 days is within target.
- Work closely with Risk and Credit teams to define underwriting policies.
- Support periodic stress testing and performance reporting.
- Review performance by segments and recommend policy or pricing adjustments.
- Ensure product structure and documentation comply with NBC and Wing Bank regulations.
- Maintain proper product files, approval records, and change management logs.
- Support audit, compliance, and legal reviews of product operations.
- Plan and prioritize product roadmaps and release schedules.
- Manage project milestones, timelines, and dependencies.
- Prepare post-launch performance reviews and improvement plans.
JOB REQUIREMENTS
- 3–5 years of experience in consumer lending or retail product management.
- Proven ability to manage loan product development and portfolio monitoring.
- Experience working with IT, Risk, Operations, and Marketing teams.
- Consumer lending products and payday loan mechanisms.
- Credit policy design and risk control framework.
- Product lifecycle management and process documentation.
- Banking regulations and NBC compliance standards.
- Analytical, data-driven, and results-oriented.
- Strong communication and cross-functional collaboration.
- Able to balance risk control with business growth.
- Professional appearance for stakeholder engagements.
