Talent.com
Senior Technical Product Manager : CredTech

Senior Technical Product Manager : CredTech

Emerge SoftPolska
5 dni temu
Opis pracy

Role Overview

The Senior Technical Product Manager : CredTech

is responsible for defining and delivering the credit

technology platforms and products that enable origination, decisioning, servicing, and collections

across the enterprise. This role ensures that credit products are powered by scalable, secure, and

intelligent technology solutions, while balancing risk management, compliance, and customer

experience.

Key Responsibilities

1. Product Strategy & Roadmap

  • Own the product vision and roadmap for credit technology platforms (origination systems,

loan management, decisioning engines, collections platforms).

  • Align CredTech product strategy with enterprise digital transformation, lending strategy, and
  • regulatory requirements.

  • Stay ahead of industry trends such as AI / ML-driven credit scoring, embedded finance, BNPL,
  • and digital lending ecosystems.

    2. Product Delivery & Execution

  • Lead cross-functional teams (engineering, risk, data science, operations) to deliver credit
  • platforms and services.

  • Translate business needs into technical product requirements and user stories.
  • Oversee end-to-end delivery lifecycle, ensuring speed-to-market while maintaining quality and
  • compliance.

  • Implement real-time decisioning, API-driven origination flows, and automated loan servicing
  • capabilities.

    3. Governance, Risk & Compliance

  • Ensure CredTech platforms comply with credit regulations, consumer protection laws, and risk
  • frameworks.

  • Partner with risk and compliance teams to embed credit policies, affordability checks, and
  • credit bureau integrations.

  • Govern data security, privacy, and regulatory reporting within CredTech products.
  • Support audit, compliance reviews, and regulatory interactions related to credit technology.
  • 4. Data & Decisioning Enablement

  • Collaborate with data science teams to enhance credit scoring models, affordability
  • assessments, and risk segmentation.

  • Drive integration with credit bureaus, alternative data providers, and AI / ML models.
  • Ensure real-time analytics and dashboards are available for portfolio management and
  • decisioning oversight.

    5. Stakeholder & Vendor Management

  • Act as the product owner, bridging business (credit, lending, risk, collections) and technology.
  • Manage vendor relationships with core lending platforms, credit decision engines, and fintech
  • partners.

  • Represent CredTech product strategy in executive committees, steering boards, and regulatory
  • forums.

    Educational Qualifications

  • Bachelor's degree in Computer Science, Information Systems, Finance, or related field
  • (mandatory).

  • Postgraduate qualification (MBA, MSc in FinTech, Risk, or Data Science) – advantageous.
  • Professional Certifications (preferred / required) :
  • o Credit Risk / Banking : CFA, FRM (Financial Risk Manager), or equivalent.

    o Product Management : Agile Product Owner (PSPO, SAFe POPM).

    o Data / Decisioning : Machine Learning or Data Analytics certifications (advantageous).

    o Cloud / Platform certifications (AWS / Azure / GCP – relevant to credit platforms).

    Relevant Experience

  • 10–12 years' experience in product management or credit technology, with at least 5+ years
  • in senior product ownership.

  • Proven track record in delivering credit / lending platforms, including origination, decisioning,
  • and loan servicing.

  • Strong knowledge of credit risk management, lending workflows, and regulatory
  • requirements.

  • Experience with decisioning engines (e.g., FICO, Experian, Provenir), credit bureau
  • integrations, and APIs.

  • Exposure to digital lending models, embedded credit, BNPL, and alternative credit scoring.
  • Prior experience in regulated industries (banking, fintech, financial services) preferred.
  • Core Skills & Competencies

  • Strong technical product management expertise (platforms, APIs, integrations, credit
  • systems).

  • Deep understanding of credit lifecycle — origination, decisioning, servicing, collections.
  • Ability to balance risk management, compliance, and customer experience.
  • Excellent stakeholder management across credit, risk, compliance, engineering, and data
  • science.

  • Strong analytical and problem-solving skills with a data-driven mindset.
  • Ability to influence executives, vendors, and regulators with clarity and authority
  • Utwórz powiadomienie o ofertach pracy dla tego wyszukiwania

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