Product Leader – Credit Cards & Consumer Lending (PH)

Trusting Social; Hinoba-an; Hybrid; PHP 1,200,000 - 2,400,000; Full time

Benefits offered by this job

HMO coverage for employee + 2 depend.

Hybrid work setup (2 days onsite / 3 w

AI productivity tools (Claude Cowork)

Onsite lunch with multiple options

Grab for work allowance

Fully equipped workstations

Generous leave policies

Job summary

Trusting Social in Taguig, Philippines, seeks a Product Manager to own credit cards and consumer lending products end-to-end, including business case, P&L, and go-to-market. You will collaborate across Risk, Finance, Engineering, and Partnerships to balance customer value with profitability and responsible lending.

You will build financial models, set pricing, and drive structured launches with regulators and banking partners while leveraging AI tools to accelerate analysis and decision-making.

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

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
• Translate partner requirements and regulatory constraints into well-defined product specs and technical briefs
• Build trust through consistent delivery and intentional communication; stay aware of downstream impact on partner operations
• Represent product to senior leadership with evidence-backed recommendations
• 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

Financial modeling

Philippine banking regulations

AI readiness

English communication

Tools

AI tools

Job description

Trusting Social in Taguig, Philippines, seeks a Product Manager to own credit cards and consumer lending products end-to-end, including business case, P&L, and go-to-market. You will collaborate across Risk, Finance, Engineering, and Partnerships to balance customer value with profitability and responsible lending.

You will build financial models, set pricing, and drive structured launches with regulators and banking partners while leveraging AI tools to accelerate analysis and decision-making.