Product Manager – Digital Financial Products
Job Description
Overview
As a Product Manager for our digital financial ecosystem, you will own the strategy, roadmap, and execution for a core suite of products — Loans, Overdraft, Savings, and Cards — delivered seamlessly across App, Web, and WhatsApp/conversational channels, across our footprint of 14 African markets. You will bring a strong digital-first vision, translating user needs and market opportunity into products that are simple, trusted, and habit-forming, while pushing the organisation to adopt AI-driven capabilities that make the experience smarter and more personalised.
Key Responsibilities
1. Product Strategy & Vision
Define and own the product vision, strategy, and roadmap for one or more product lines within the ecosystem (Loans, Overdraft, Savings, Cards), ensuring consistency and cross-sell synergy across the broader digital platform.
Own the multi-channel experience strategy — App, Web, and WhatsApp/chat-based banking — ensuring feature parity, consistent journeys, and channel-appropriate design.
Conduct market research, competitive benchmarking, and user research to identify trends, gaps, and opportunities specific to each product line and market.
Evaluate and champion the use of AI/ML in the product experience — e.g. credit risk and underwriting signals, personalised offers, conversational assistants/chatbots, fraud detection, smart nudges — to improve conversion, retention, and operational efficiency.
2. Product Planning & Execution
Partner with UX, business analysts, engineering, tech ops, risk/credit, compliance, marketing, and business operations to prioritise features and releases based on business impact and user value.
Translate strategy into clear PRDs, user stories, and acceptance criteria; own the backlog for your product line(s).
Drive Agile delivery (sprint planning, backlog grooming, release management), ensuring high-quality, on-time delivery.
Own end-to-end product journeys — e.g. loan origination through disbursement and repayment, overdraft eligibility and drawdown, savings goal-setting and interest accrual, card issuance and transaction management.
3. Experience Design Across Channels
Champion user-centric design and ensure a seamless, intuitive journey across App, Web, and WhatsApp — including designing for low-bandwidth, low-literacy, and first-time smartphone users where relevant.
Work closely with UX/UI designers on wireframes, prototypes, and flows; ensure conversational/WhatsApp journeys are designed with the same rigor as App/Web (menu design, chatbot flows, escalation to human agents).
Ensure journeys are compliant with relevant financial regulations and responsible-lending/KYC requirements across markets.
4. Analytics, Experimentation & Optimisation
Define KPIs and North Star metrics per product line (e.g. loan disbursement rate, NPA/default trends, overdraft utilisation, savings balance growth, card activation and usage rates).
Use data, A/B testing, and funnel analysis to identify drop-offs and optimise conversion, activation, and retention.
Leverage AI-driven analytics/insight tools where possible to move from descriptive to predictive and prescriptive decision-making.
5. Stakeholder Management
Communicate vision, roadmap, and progress to senior management, regional business heads, and external partners.
Partner with business development on strategic partnerships and integrations (e.g. credit bureaus, payment networks, WhatsApp Business API providers, AI/ML vendors) that strengthen the product's value proposition.
6. Market Expansion & Localisation
Support expansion of the product suite into new markets, factoring in local regulatory requirements (credit, lending, data privacy), cultural nuances, and market dynamics.
Work with regional/OpCo teams to localise product configuration, content, and go-to-market — including go/no-go readiness (e.g. performance, stability, and support-volume thresholds) for phased or beta rollouts.
Qualifications
Bachelor's degree in Business, Computer Science, Engineering, or a related field; MBA or advanced degree preferred.
8–12+ years in product management, with meaningful experience in fintech, digital banking, or financial services — direct experience with lending/credit, overdraft, savings, or card products strongly preferred.
Strong understanding of digital banking and payments trends in African (or comparable emerging) markets, including credit risk fundamentals and regulatory considerations.
Demonstrated experience designing or scaling products across multiple digital channels — App, Web, and conversational/WhatsApp banking.
Exposure to applying AI/ML in a product context (e.g. personalisation, credit scoring, chatbots/conversational AI, fraud/risk models) is a strong plus.
Proficiency with project management tools (Jira, Asana, Trello, Monday.com) and product analytics tools (Google Analytics, Firebase, AppsFlyer, WebEngage, or equivalent).
Comfortable working in cross-functional Agile teams, with a track record of successfully launching and iterating on digital financial products.
Strong analytical skills — able to translate complex, multi-market data into clear, actionable recommendations.
Excellent communication, presentation, and senior stakeholder management skills.
Entrepreneurial mindset, comfortable with ambiguity, and passionate about driving financial inclusion in emerging markets.
Location
Gurgaon
Join Us
Join a mission-driven digital organization working to expand access to relevant and innovative financial services across Africa. You will have the opportunity to shape a major financial-product ecosystem, build experiences across multiple digital channels, and use data and emerging technologies to improve the financial lives of millions of customers.