Product Manager In Loans

Qonto; Barcelona; On-site; EUR 80,000 - 110,000; Full time

Job summary

Qonto, a European fintech, is building its SMB loans product from zero to one in Barcelona. As Product Manager, Loans, you will own the roadmap and KR for the Loans squad, shaping how thousands of SMEs borrow under a credit license.

You will collaborate across Risk, Compliance, Growth and Product Marketing to ensure responsible launches and scalable credit platform improvements. You will drive continuous discovery, experiments, and AI-enabled decisioning while navigating regulatory requirements

Qualifications

• Zero-to-one launches: brought products from idea to market in regulated spaces.
• Credit and lending knowledge or eagerness to learn underwriting to repayment.
• AI fluency and willingness to apply AI to credit decisions.
• Autonomy with Risk and Compliance: lead launches through approvals.
• Clear English communication within a cross-functional team.

Responsibilities

• Own roadmap and KR for Loans squad from ideation to launch.
• Investigate SMB credit pain points through discovery and experiments.
• Define underwriting and decisioning in collaboration with Risk.
• Collaborate with partners to ship launches responsibly.
• Explore AI opportunities in credit within regulatory frame.

Skills

Product management

Fintech/regulatory finance

Data-driven decision making

Job description

Описание:

We are creating the freedom for SMEs to succeed by delivering Europe's leading finance workspace with banking at its core, augmented by financial tools. Join us as a Product Manager, Loans and build Qonto's first SMB loans from zero to one. You'll shape how thousands of European businesses borrow to grow, as we open lending under our own credit license.

Задачи:

Build loans from zero to one: You'll own the roadmap and KRs of our new Loans squad, from first idea to launch. Dig into SMB credit pain points: You'll run continuous discovery and experiments to learn how businesses borrow today and what they truly need. Shape underwriting and decisioning: You'll define how we assess eligibility and decide how much we lend, together with Risk. Bring AI into credit: You'll explore how AI can guide clients to the right financing, within a strict regulatory frame. Ship responsibly with our partners: You'll work with our credit platform team, Risk, Compliance, Growth and Product Marketing to get every launch approved and live.

Требования:

Zero-to-one launches: You've taken products from idea to market as a PM, ideally in finance or another regulated space. Credit curiosity: You know lending, or you're eager to learn it, from underwriting to repayment. AI-fluent: You use AI every day and want to apply it to credit decisions. Autonomy with Risk and Compliance: You can carry a launch through approvals on your own. Clear English: You communicate clearly, in writing and out loud, with everyone on the team.

Условия:

A defining moment: You'll join as Qonto launches lending, one of the company's top priorities. Real ownership: You own your roadmap and KRs, within the global credit strategy. A solid head start: You'll build on an existing credit platform and reusable building blocks, not from a blank page. Room to shape AI in credit: The AI scope is open, and you'll help define it.