About the role:
We are looking for Senior Product Managers to collaborate with cross-functional teams to deeply understand challenges and create high-impact, scalable solutions. In this role, you will own a critical domain of the Kredivo experience-which may span Growth, Risk & Underwriting, Merchant Integration, or Payments.
Your primary focus will be defining the long-term vision and optimizing the end-to-end user journey within your domain to drive key business outcomes like GMV growth, user acquisition, risk mitigation, and settlement efficiency. The ideal candidate can effectively connect the dots between the needs of local internal stakeholders, regional engineering teams, and external partners to craft and execute a robust, localized product strategy.
A day in your life might include:
- Define the product strategy, 1-2 year vision, and roadmap for your assigned domain, translating high-level localized commercial goals into detailed requirements, prototypes, and prioritized backlogs to ship high-quality experiences.
- Generate and validate ideas to grow market share and improve customer experience, specifically targeting measurable growth in GMV and settlement efficiency.
- Build strong relationships across operations, finance, risk, sales, and regional engineering to build consensus, act as a product evangelist, and ensure organizational alignment across borders.
- Lead exploratory investigations and deep-dive competitive research using SQL-based data analysis and user feedback to identify product gaps, diagnose funnel drops, and develop hypotheses into concrete projects.
- Conduct thorough what-if and pros/cons analyses to evaluate the impact of new features on the broader fintech ecosystem (e.g., lender impact, regulatory compliance, risk vs. user friction).
- Integrate user research, competitive benchmarking, and quantitative product metrics to drive data-informed decisions that continuously improve your domain's user flows.
- Lead high-stakes integrations and manage technical and commercial relationships with key external partners, including credit bureaus, payment gateways, and e-commerce platforms.
What we need from you:
- At least 5-7 years of experience as a Product Manager in a startup or high-growth technology environment; a minimum of 3 years in Fintech, BNPL (Buy Now Pay Later), Digital Lending, or Payments industries is highly preferred.
- Demonstrated experience taking complex products from 0-to-1, or driving significant 1-to-N growth and optimization of products at scale.
- Solid technical background with comfortable understanding of system design, microservices, APIs, database schemas, and hands-on experience in Android/iOS app management and Google APK releases.
- Proficiency in SQL is required to independently perform complex data analysis, build dashboards, and quickly detect or debug product issues without heavy reliance on data analysts.
- Excellent analytical and problem-solving skills with a strong intuition for user behavior, user psychology, and a solid understanding of UX/UI principles.
- Ability to develop product and marketing strategies, manage complex, cross-functional initiatives, and influence without authority across international borders.
- Exceptional communication and presentation skills, with the ability to synthesize commercial needs for regional technical teams and explain complex technical limitations to local business leaders.
- Fluency in English is a must.
