Product Manager, SMB Loans — Zero to One with AI

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

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