Product Manager - Credit Cards and Consumer Lending (Taguig)

Trusting Social; Taguig; Hybride; PHP 1 800 000 - 2 800 000; Plein temps

Avantages offerts par ce poste

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

Résumé du poste

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

Responsabilités

• 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

Connaissances

Product management

Financial products

AI readiness

English communication

Cross-functional collaboration

Description du poste

Trusting Social is an AI Fintech pioneer that's revolutionizing credit access in emerging markets. Our mission is "Advancing AI to Meet the Financial Needs of Everyday Consumers with Empathy." We've assessed over 1 billion consumers across four countries, and we're on a mission to provide 100 million credit lines using the power of AI and Big Data.

How You'll Make an Impact

Based in Taguig (Metro Manila), you'll own our 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. As we move through licensing toward launch, you'll turn market, partner, and regulatory inputs into profitable products customers love.

A hands-on builder role: you experiment at pace, work closely with Risk, Finance, Engineering, and Partnerships, and balance customer value, commercial return, and responsible lending.

What You'll Do

Product Strategy & Roadmap

• 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

Financial Modeling and P&L Ownership

• 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

Product Development & Launch

• 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

Partner & Stakeholder Management

• 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

AI-Powered Product Operations

• 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

What We’re Looking For

Experience & Background

• 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

How You Work

• Insights & AI Readiness — You synthesize data and AI tool outputs into product decisions; you craft precise prompts, evaluate results critically, and apply AI to deliver more with less
• Bias for Action — You move quickly from analysis to decision and produce tangible results without waiting for a full mandate
• Cross-domain Competence — You connect product, risk, finance, and technology thinking naturally, coordinating across functions to unlock pace
• Growth Mindset — You treat every launch—successful or not—as a learning signal, actively raise your own bar, and bring others along

Skills & Competencies

• Business Owner — You make calls without waiting for central approval; you own outcomes end-to-end, not just tasks
• Product Architect — You prototype product flows and decision logic; you read metrics before acting and build from evidence
• Domain Expert — You can break down credit product mechanics for any audience and know which edge cases to cover and document
• AI Operator — You keep product documentation, workflows, and AI-assisted outputs above quality threshold; you catch drift early
• Strong English communication skills (spoken and written — professional fluency required)
• High adaptability and comfort operating in fast-paced, ambiguous environments

What We Offer

Join our vibrant team and enjoy:

• Competitive compensation package, including yearly performance bonus.
• HMO coverage for employee + 2 dependents.
• Hybrid work setup (2 days onsite / 3 days WFH).
• AI productivity tools (Claude Cowork).
• Onsite lunch with multiple options, including vegetarian.
• Grab for work allowance and fully equipped workstations.
• Generous leave policies, including annual leave, sick leave, and flexible work hours.
• Government-mandated benefits (SSS, PhilHealth, Pag-IBIG).
• Work alongside talented colleagues across multiple countries: the US, Mexico, Singapore, Vietnam, India, Indonesia, and the Philippines.
• Be part of a high-growth fintech at an exciting stage of expansion — with real ownership from day one.
• Make real social impact by helping to democratize credit access for underbanked.

At Trusting Social, we live by ownership, integrity, and agility in execution. We believe in doing what's right, what's best, and what's innovative. If you're smart, driven, and want to make a difference in the world with the most advanced and fascinating technology, come join our team. We offer the runway to truly make an impact.

Learn more about us: https://trustingsocial.com | https://www.youtube.com/watch?v=inAEDGvOcL8&t=29s