Product Owner

Responsibilities

• Build, develop, and optimize digital consumer credit products such as cash loans, BNPL, post-paid wallets, installments, and credit cards
• Design and improve product policies and credit approval criteria including customer conditions, limits, interest rates, and fees
• Coordinate with Risk, Data, Credit Policy, Operations, Compliance, Technology, and Business teams to implement end-to-end business flows
• Monitor credit portfolio performance using metrics like approval rate, disbursement, utilization, repayment, overdue, FPD, NPL, and vintage
• Analyze target customer segments and borrowing behaviors to propose product improvements and growth strategies
• Create business requirement documents (BRD/PRD), manage backlogs, and coordinate with technology teams for onboarding, disbursement, and collection features

Requirements

• Minimum 3 years of experience in consumer credit products, Digital Lending, Credit Cards, BNPL, or Consumer Finance
• Practical understanding of credit approval processes, credit policies, risk management, and consumer loan operations
• Ability to analyze customer segments, product usage behavior, and credit portfolio quality
• Experience monitoring credit management metrics such as approval rate, booking, utilization, repayment, overdue, FPD, NPL, and collection performance
• Proven ability to work cross-functionally with Risk, Data, Operations, Technology, and Compliance teams
• Product development mindset with the ability to balance growth, customer experience, and risk control
• Proficiency in analyzing business requirements and managing product backlogs

Preferred Qualifications

• Experience working in banks, consumer finance companies, fintech lending, e-wallets, or digital banking
• Knowledge of eKYC, CIC/PCB, credit scoring, risk engines, LOS/LMS, core banking, or collection systems

Benefits

• Competitive income and performance-based bonuses
• Full allowances including lunch, travel, and phone expenses
• Professional and modern working environment
• Training and professional development opportunities
• Comprehensive welfare including periodic health checks and extended health insurance