The Product Manager (PM) role will work closely with the Business, Design, Engineering teams to manage the full product development lifecycle of the Lending Platform, from concept and customer research, to design, launch, iteration and support.
· Own the vision, strategy, and roadmap of the Shared Lending Platform; the foundation that serves multiple consumer lending products and multiple markets.
· Decide what is shared, what is product-specific, and what is configurable, and defend those boundaries against the pressure every multi-product platform faces.
· Set the platform design principles: API contracts, configuration-versus-code, multi-tenancy, abstraction layers, and reusability, and shape the platform’s evolution.
· Drive build-versus-buy decisions for core platform components. Run vendor evaluations to defensible commercial and technical conclusions, with clear success criteria.
· Lead the platform’s role in the Group’s real-time credit decisioning capability, e.g., workflow orchestration, no-code rule configuration with same-day turnaround, feature store, bureau integration, and champion/challenger model testing, designed to run multiple parallel test programs at sub-second latency.
· Translate Risk, Credit, and Compliance requirements into high-quality, engineering-ready platform specifications (e.g., feature contracts, scoring interfaces, rule configurations).
· Manage cross-lending product dependencies and delivery sequencing.
· Shape the platform’s role in IFRS9-grade reporting and customer-level data aggregation, feeding regulatory reporting, collections, and continuous credit assessment.
· Enable the systematic use of data in lending, defining how the platform serves features, captures decision metadata, and accelerates the learning loop between origination, repayment behaviour, and credit-strategy iteration.
· Partner with Credit Analytics, and the Credit Risk function across Group, bringing platform fluency to credit-strategy conversations.