Senior Product Manager - Credit Risk

Jobgether; Netherlands; Remote; EUR 120.000 - 180.000; Vollzeit

Benefits dieser Stelle

Competitive salary

Equity opportunities

Health benefits

Flexible PTO

Learning budget

Remote/Global team

Flexible culture

Zusammenfassung

Jobgether is seeking a Senior Product Manager - Credit Risk to lead the development and growth of a global credit risk product portfolio for lenders. You will define the roadmap for signals, risk scores, and decisioning tools, collaborating with banks, NBFCs, fintechs, data science, and engineering teams.

You will own the credit product strategy across onboarding, underwriting, limits, and collections, working in a fast-growing, distributed environment to enable responsible access to credit and

Qualifikationen

• 5-8 years of product management with ownership across the lifecycle.
• Direct consumer-side credit experience at a lender, NBFC, credit fintech, or BNPL firm.
• Experience building and scaling credit products in India or international markets.
• Strong data analysis skills, including interpreting Gini/KS stats and SQL-based insights.

Aufgaben

• Define and manage the credit signals roadmap, including alternative data sources and fraud signals.
• Engage with banks, NBFCs, and fintech lenders to translate underwriting challenges into opportunities.
• Develop solutions across the full credit lifecycle: onboarding, underwriting, limits, early-warning, collections.
• Collaborate with data science to define credit signals and move models to production.
• Lead the API-first credit products and decisioning tools.
• Monitor performance via metrics such as approval rates, delinquency, fraud losses.
• Support GTM with product positioning, pricing strategies, and proposals.
• Ensure compliance with regulatory data protection standards and RBI considerations.
• Incorporate customer feedback and market developments to improve capabilities.

Kenntnisse

Product management

Credit risk

Data analysis

SQL

Communication

Stakeholder collaboration

Product judgment

Tools

API-first

Jobbeschreibung

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Senior Product Manager - Credit Risk based in Netherlands.

The Senior Product Manager - Credit Risk will lead the development and growth of a credit risk product portfolio used by lenders to assess, price, and monitor borrowers. This is a hands-on, strategic role for an experienced product professional who understands credit decision-making from the lender's perspective and can translate that expertise into scalable technology solutions. You will shape the roadmap for credit signals, risk scores, and decisioning tools, working closely with financial institutions and internal data science and engineering teams. Your work will span the entire credit lifecycle, from customer onboarding and underwriting to early risk detection and collections. You will help transform complex data into actionable insights that improve lending decisions and support responsible access to credit. Operating in a fast-growing, globally distributed environment, you will have significant ownership and the opportunity to influence products used by hundreds of lenders and impacting millions of borrowers.

Accountabilities

You will own the credit product strategy and execution, translating lender needs and market opportunities into effective, data-driven products. Your main responsibilities will include:

• Define and manage the credit signals roadmap, identifying opportunities to develop alternative data sources, behavioral indicators, and fraud signals that improve credit risk assessment.
• Engage directly with banks, non-banking financial companies (NBFCs), and fintech lenders to understand their underwriting, lending, and collections processes and translate their challenges into product opportunities.
• Develop solutions covering the full credit lifecycle, including customer onboarding, underwriting, credit limits, early-warning indicators, and collections.
• Collaborate with data science teams to define high-quality credit signals, evaluate model performance, and move promising models from experimentation into production.
• Lead the development and launch of scalable, API-first credit products and decisioning tools.
• Monitor product performance and business impact through key metrics such as approval rates, delinquency levels, and fraud losses.
• Partner with Go-to-Market teams to support product positioning, commercial proposals, and pricing strategies for credit-related solutions.
• Work with compliance stakeholders to ensure products meet applicable regulatory requirements, including Reserve Bank of India (RBI) regulations and data protection standards.
• Gather customer feedback, assess market developments, and continuously improve product capabilities and performance.

Requirements

The ideal candidate combines strong product leadership with hands-on credit risk experience and the ability to use data to guide product decisions. You should bring the following qualifications and skills:

• 5-8 years of product management experience at Product Manager or Senior Product Manager level, with ownership of products throughout their lifecycle.
• Direct consumer-side credit experience at a lender, NBFC, credit-focused fintech, or Buy Now, Pay Later (BNPL) company.
• Experience building and scaling credit products in India or international markets.
• Practical experience working with credit signals, including credit bureau data, alternative data, risk scores, or fraud indicators used in lending decisions.
• Strong data analysis skills, including the ability to interpret Gini and Kolmogorov-Smirnov (KS) statistics and independently extract insights using SQL.
• Excellent communication skills and the ability to work effectively with senior risk leaders, engineers, sales teams, and other stakeholders.
• Strong product judgment and the ability to translate complex financial and technical requirements into clear product strategies and deliverables.

Additional experience that would be an advantage includes:

• Experience developing or commercializing a credit score, risk model, or decisioning engine.
• Familiarity with India's credit ecosystem, including credit bureaus, Account Aggregator frameworks, UPI, and GST data.
• Experience selling data products, credit risk solutions, or decisioning tools to lenders in a B2B environment.

Benefits

• Competitive salary.
• Potential equity participation.
• Health benefits.
• Flexible paid time off (PTO).
• Dedicated learning budget.
• Remote working opportunity with a globally distributed team.
• Flexible working culture focused on performance, ownership, and impact rather than hours worked.

How Jobgether works:

We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.

We appreciate your interest and wish you the best!

Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.