Product Manager

About ITF Group

We are a fast-growing non-banking financial company specialising in consumer lending to individuals. Our mission is to provide accessible, transparent, and customer-focused financial solutions through innovative products, data-driven decision-making, and efficient digital processes.

Role Overview

We are looking for an experienced and analytically driven Product Manager to take ownership of the performance, development, and continuous optimisation of our consumer lending products.

The role is strongly focused on understanding how our existing products perform from both a financial and customer perspective and identifying opportunities to improve profitability, customer experience, conversion, retention, and overall product competitiveness.

You will combine product strategy, financial and data analysis, customer insights, competitive intelligence, and product development. You will work closely with Risk, Finance, Marketing, Sales, Operations, IT, Compliance, and other teams to ensure that product decisions achieve the right balance between commercial performance, credit risk, regulatory requirements, and customer value.

Key Responsibilities

Product Performance & Optimisation

• Take ownership of the performance and continuous optimisation of existing consumer lending products.
• Regularly analyse product profitability, revenue, costs, margins, credit risk, conversion, customer behaviour, retention, and other key product KPIs.
• Identify opportunities to improve the balance between profitability and customer experience.
• Analyse the impact of product parameters such as pricing, loan amounts, maturities, fees, repayment structures, eligibility criteria, promotions, and customer journeys.
• Develop business cases and financial models for proposed product changes.
• Define, track, and regularly report product KPIs and performance against targets.
• Work with relevant teams to design and evaluate product experiments, campaigns, and optimisation initiatives.
• Monitor the results of implemented changes and recommend further actions based on actual performance.

Customer Insights & Experience

• Regularly collect and analyse customer feedback across relevant channels.
• Identify customer pain points, unmet needs, and opportunities to simplify and improve the customer journey.
• Analyse customer behaviour throughout the product lifecycle – from application and approval to disbursement, repayment, repeat borrowing, and retention.
• Translate customer insights into concrete product improvements.
• Work with Customer Service, Marketing, Sales, Operations, and other teams to continuously improve customer experience.

Market & Competitor Intelligence

• Conduct regular and structured competitor analysis covering products, pricing, promotions, customer journeys, digital functionality, and market positioning.
• Monitor developments and emerging trends in consumer lending, fintech, digital financial services, and customer behaviour.
• Benchmark our products against key competitors and identify gaps, opportunities, and potential competitive advantages.
• Present relevant market and competitor insights to management and translate them into actionable product recommendations.

New Product Development

• Identify and evaluate opportunities for new products, product extensions, and new customer propositions.
• Lead the development of new products from initial concept through business case, design, implementation, launch, and post-launch optimisation.
• Define the product strategy, target customer segment, value proposition, pricing, product mechanics, customer journey, and key success metrics.
• Prepare financial models and business cases, including expected volumes, revenue, costs, profitability, credit risk assumptions, and sensitivity/scenario analysis.
• Coordinate product design and development across Business, Risk, Finance, Marketing, Operations, IT, Legal, and Compliance.
• Define business requirements and ensure that the final implementation reflects the agreed product concept and customer experience.
• Develop go-to-market and launch plans together with the relevant commercial and marketing teams.
• Monitor new products after launch and continuously optimise them based on financial performance, customer behaviour, and feedback.

Product Strategy & Governance

• Develop and maintain the product roadmap in line with the company’s strategic and financial objectives.
• Prepare product proposals, analyses, and recommendations for senior management.
• Ensure that product decisions are supported by data, financial analysis, customer insights, and market evidence.
• Coordinate cross-functional initiatives related to product changes and new product launches.

• Ensure that products and product changes comply with applicable regulatory, legal, risk, and internal requirements.

   

Requirements

• 3+ years of experience in Product Management, Product Development, Business Analysis, Strategy, or a similar analytical role, preferably within financial services, fintech, consumer lending, banking, or another data-driven business.
• Strong analytical and commercial mindset with the ability to understand the financial drivers of a product.
• Experience analysing product performance, customer behaviour, profitability, or business KPIs.
• Strong understanding of unit economics, pricing, revenue and cost drivers, and business case development.
• Ability to transform data, customer feedback, and market information into practical product decisions.
• Experience working with multiple stakeholders across business and technical functions.
• Strong problem-solving skills and ability to challenge existing products and processes constructively.
• Excellent communication and presentation skills.
• Advanced Excel skills and confidence working with large datasets and financial models.
• Fluent English, both written and spoken.

Nice to Have

• Previous experience in consumer lending or other credit products.
• Understanding of credit risk, underwriting, pricing, and portfolio performance.
• Experience with BI and analytics tools such as Power BI, Tableau, SQL, or similar.
• Experience with customer research, A/B testing, or product experimentation.
• Knowledge of digital customer journeys and UX principles.
• Experience with agile or hybrid product development methodologies.
• Knowledge of the regulatory environment applicable to consumer lending.

What We Offer

• A key role with direct influence on the company’s products and commercial performance.
• Opportunity to take ownership of existing products and develop new financial propositions from concept to market.
• Exposure to senior management and involvement in strategic product decisions.
• Dynamic, collaborative, and entrepreneurial working environment.
• Flexibility with working hours.
• Additional health insurance.
• Healthy snacks and fresh fruit during office hours.
• Friendly and informal working environment.
• Regular team and company events.

How to Apply

If you enjoy combining data, financial analysis, customer insights, and product strategy to build better and more profitable financial products, we would be happy to hear from you.

Please submit your CV in English.