AI Fintech Product Lead — Consumer Lending (Philippines)

Trusting Social; Taguig; Hybrid; PHP 1,800,000 - 2,800,000; Full time

Benefits offered by this job

HMO coverage for employee + 2 depend

Hybrid work setup (2 days onsite / 3?d

AI productivity tools (Claude Cowork)

Onsite lunch with multiple options

Grab for work allowance

Generous leave policies

Government-mandated benefits

Job summary

Trusting Social is an AI-driven fintech pioneer reshaping credit access across emerging markets. Based in Taguig, you’ll own consumer lending and credit card products in the Philippines end-to-end—from business case and P&L to launch and optimization—across credit cards, co-lending, personal loans, and cash loans.

You’ll collaborate with Risk, Finance, Engineering, and Partnerships to balance customer value, commercial return, and responsible lending, while building financial models and pricing

Qualifications

• 5+ years of product management experience, with at least 3 years in financial products (credit cards, consumer loans, or co-lending)
• Deep familiarity with Philippine banking regulations, BSP requirements, and consumer lending frameworks
• Experience building financial models, P&L structures, and unit economics analyses from scratch
• Background in fintech, digital banking, or credit-driven consumer products; startup or high-growth tech background is a strong plus
• Insights & AI Readiness — synthesize data and AI tool outputs into product decisions
• Bias for Action — move quickly from analysis to decision
• Cross-domain Competence — connect product, risk, finance, and technology thinking
• Growth Mindset — treat every launch as a learning signal
• Business Owner — you own outcomes end-to-end
• Product Architect — prototype product flows and decision logic
• Domain Expert — break down credit product mechanics
• AI Operator — keep product documentation above quality threshold
• Strong English communication skills (spoken and written — professional fluency required)
• High adaptability and comfort operating in fast-paced, ambiguous environments

Responsibilities

• Own the product vision, strategy, and roadmap for assigned credit card and lending products
• Translate market opportunities, partner needs, and competitive insights into a prioritized product backlog
• Define product positioning, target customer segments, and value propositions across on-us, co-branded, co-lending, and personal/cash loan products
• Balance short-term partner requirements with long-term product sustainability and scalability
• Build and own detailed financial models, unit economics analyses, and P&L forecasts for each product
• Define pricing, fee structures, and reward frameworks grounded in data-informed decisions
• Synthesize signals from market, partner, and customer data into actionable product recommendations
• Track performance metrics and act on early signals to optimize profitability and risk-adjusted returns
• Own end-to-end product specification: from concept and business case through technical requirements, UAT, and go-live
• Coordinate across Risk, Engineering, Operations, Compliance, and external partners to deliver on schedule
• Define and maintain the product governance framework—ensuring every launch is documented, compliant, and audit-ready
• Run structured launch reviews to assess performance against targets and drive continuous improvement
• Serve as the primary product interface with banking partners, platform partners, and regulators
• Use AI tools actively—craft precise prompts, critically evaluate outputs, and apply AI to accelerate analysis, documentation, and roadmap communication
• Experiment proactively with AI-powered workflows to expand what you can deliver without expanding headcount
• Build feedback loops that capture customer and partner signals for ongoing product refinement

Skills

Product management

Financial products

AI readiness

English communication

Cross-functional collaboration

Job description

Trusting Social is an AI-driven fintech pioneer reshaping credit access across emerging markets. Based in Taguig, you’ll own consumer lending and credit card products in the Philippines end-to-end—from business case and P&L to launch and optimization—across credit cards, co-lending, personal loans, and cash loans.

You’ll collaborate with Risk, Finance, Engineering, and Partnerships to balance customer value, commercial return, and responsible lending, while building financial models and pricing