Head of Product

Nezda Global; Metro Manila; Hybrid; PHP 1,800,000 - 3,200,000; Full time

Job summary

Nezda Global in Manila is seeking an AVP Product Head for Credit Card Installment Loans. You will own end-to-end strategy, pricing, and lifecycle management, driving growth and profitability across Receivables, with strong cross-functional leadership across risk, tech, and marketing.

The role requires 8+ years in product management, deep consumer lending experience, and a data-driven mindset to optimize unit economics and customer adoption. Hybrid work in Quezon City preferred.

Qualifications

• 8+ years of product management experience in financial services.
• Experience leading consumer lending or credit card products with P&L ownership.
• Ability to ship and scale digital financial products.
• Strong data-driven decision-making and business case development.
• Forecasting product uptake and optimizing unit economics.
• Customer-centric mindset with focus on adoption and NPS.
• Experienced in cross-functional leadership across tech, risk, marketing, operations, and analytics.
• Knowledge of local banking regulations for credit cards and installment products.
• Proven execution and prioritization across stakeholders.
• Willingness to work in Quezon City in hybrid day shifts.

Responsibilities

• Own revenue targets, product strategy, roadmap and P&L for credit card installment loans.
• Develop growth strategies and optimize profitability.
• Manage end-to-end lifecycle of installment products: origination, refinancing, portfolio optimization.
• Lead pricing, product positioning, and campaigns with Sales, Marketing, Analytics.
• Collaborate with risk, legal, compliance, and technology teams.
• Lead and develop product managers and cross-functional teams.

Skills

Product management experience (8+ yrs)

Consumer lending / credit card product

P&L ownership / strategy

Ship and scale digital financials

Data-driven decision making

Forecasting uptake / unit economics

Customer-centric mindset

Lead product managers

Cross-functional collaboration

Stakeholder management

Execution / prioritization

Education

MBA or equivalent

PMP/Agile/Scrum/Product Owner certification

Tools

APIs

Sprint methodologies

Engineering collaboration

Job description

Product Head – Installment Head (AVP), you will own the end-to-end strategy and performance of Credit Card Installment Loans for the Cards and Loans customer base.

You will work closely with Risk, Technology, Marketing, Sales, Operations, Data & Analytics, Legal, Compliance, and other stakeholders to build, launch, scale, and optimize financial products.

This role is ideal for someone who goes beyond traditional product management and can identify new opportunities, innovative installment constructs, partnerships, and growth strategies.

Key Responsibilities

• Own revenue targets, product strategy, roadmap, and P&L for Credit Card Installment Loans.
• Develop strategies that drive sustainable growth, customer value, and profitability.
• Manage the end-to-end lifecycle of installment products, including origination, refinancing, and portfolio optimization.
• Analyze portfolio performance, including yield, penetration, uptake, cash flows, amortization, and delinquency.
• Lead pricing, product positioning, and campaign planning with Sales, Marketing, and Analytics.
• Identify product enhancements based on customer insights, market trends, and competitive benchmarking.
• Build business cases, forecast product uptake, and optimize unit economics.
• Drive customer adoption, activation, and NPS improvements.
• Partner with Risk, Legal, Compliance, Technology, Operations, Customer Service, Marketing, Data & Analytics, and Sales.
• Lead governance reviews and performance discussions with senior management and business partners.
• Ensure compliance with applicable credit card and installment regulations, internal controls, and audit requirements.
• Champion process improvements and automation to improve customer experience and operational efficiency.
• Identify opportunities for product expansion, innovation, and new market models.
• Lead and develop product managers while influencing cross-functional teams.
• Explore opportunities involving embedded finance, merchant acquisition, new installment constructs, and ecosystem partnerships.

Must-Have Qualifications

• 8+ years of product management experience.
• Proven experience leading consumer lending or credit card-related products.
• Demonstrated ownership of product strategy, roadmap, and P&L.
• Proven ability to ship and scale digital financial products.
• Strong data-driven decision-making and business case development skills.
• Experience forecasting product uptake and optimizing unit economics.
• Strong customer-centric product mindset, including improving adoption, activation, and NPS.
• Experience leading product managers.
• Proven ability to work cross-functionally with Technology, Design, Marketing, Operations, Compliance, and other stakeholders.
• Knowledge of applicable local banking regulations for credit cards and installment products.
• Strong execution capability - able to translate strategy into actionable product briefs and priorities.
• Strong stakeholder management and prioritization skills.
• Willingness to work in Quezon City in a hybrid setup and day shift schedule.

Good-to-Have

• Payments, BNPL, or Fintech experience.
• Experience with installment-based fintech products, e-commerce checkout financing, or merchant ecosystems.
• Technical aptitude covering APIs, basic system architecture, and sprint methodologies.
• Experience collaborating closely with engineering teams and challenging technical assumptions.
• Experience developing new installment constructs, merchant acquisition models, or embedded finance partnerships.
• Commercial and partnership experience involving merchants, acquirers, payment gateways, or ecosystem partners.
• Understanding of MDR, discounting, and profitability structures in EMI programs.
• Exposure to cross-sell initiatives.
• PMP, Agile, Scrum, or Product Owner certification.
• Analytics certifications such as Google Data Analytics or SQL.
• MBA or equivalent.

Why Join Us?

• Own a high-impact product portfolio within the credit card business.
• Shape growth and profitability, with direct ownership of product strategy and P&L.
• Drive innovation beyond traditional installment lending models.
• Work with senior stakeholders and cross-functional teams across technology, risk, analytics, marketing, operations, and commercial functions.