Senior Product Manager: Lending Portfolio Growth

UnionBank; Quezon City; On-site; PHP 1,800,000 - 3,600,000; Full time

Job summary

UnionBank is seeking a Senior Product Manager for the Lending Portfolio to drive revenue and growth for Credit Card Installment products. You will oversee end-to-end product lifecycle, pricing, positioning, and campaigns while collaborating with Risk, Legal, Compliance, Tech, Operations, Marketing, and Analytics teams.

The role requires 8+ years in product management within consumer lending or credit cards, strong data-driven decision making, and a customer-centric mindset.

Qualifications

• Bachelor's degree holder.
• Minimum 8 years Product Management experience with deep expertise in consumer lending or credit card products.
• Proven track record in owning product strategy, roadmap, and P&L, and successfully shipping and scaling digital financial products.
• Strong data-driven decision-making skills such as building business cases, forecasting, and optimizing unit economics.
• Customer-centric mindset with experience in improving NPS, adoption, and activation.
• Demonstrated leadership and cross-functional influence, including managing product teams and collaborating with tech, design, marketing, operations, and compliance.
• Familiarity with local banking regulations for credit cards and installment products.
• Excellent execution capability - translating strategy into actionable product briefs and managing priorities under constraints.
• Experience in Payments, BNPL, or Fintech ecosystems.
• Technical aptitude with APIs, system architecture basics, and agile methodologies is an advantage.
• Entrepreneurial mindset and strong commercial/partnership skills.
• Certifications (PMP, Agile, Scrum) and analytics expertise; MBA preferred but not required.

Responsibilities

• Own and deliver revenue targets for Credit Card Installment Products for the Credit Card base.
• Develop and execute product strategies that drive sustainable growth, customer value, and profitability.
• Monitor portfolio performance and identify levers to improve yield, penetration, and cross-sell opportunities.
• Lead pricing strategy, product positioning, and campaign planning in collaboration with Sales, Marketing, and Analytics teams.
• Manage the end-to-end lifecycle of installment loan products, including origination, refinancing, and portfolio optimization.
• Evaluate loan performance using tools such as amortization schedules, cash flow projections, and delinquency reports.
• Recommend product enhancements based on market trends, customer insights, and competitive benchmarking.
• Ensure compliance with regulatory and internal policies related to loan documentation, disclosures, and risk mitigation.
• Collaborate with cross-functional teams including Risk, Legal, Compliance, Tech, Operations, Customer Service, Marketing, Data & Analytics, Sales, etc.
• Conduct regular governance reviews and performance updates with senior management and partners.
• Ensure adherence to regulatory requirements, internal controls, and audit standards across all product lines.
• Champion process improvements and automation initiatives to enhance customer experience and operational efficiency.
• Stay abreast of industry trends, regulatory changes, and emerging technologies in consumer lending.
• Identify new market opportunities and develop business cases for product expansion or innovation.
• Benchmark against industry best practices and incorporate learnings into product strategy and execution.

Skills

Product strategy

Product roadmap

Portfolio optimization

Stakeholder management

Data-driven decisions

Cross-functional leadership

APIs basics

Agile methodologies

Customer centricity

Fintech domain

Education

Bachelor's degree

Job description

UnionBank is seeking a Senior Product Manager for the Lending Portfolio to drive revenue and growth for Credit Card Installment products. You will oversee end-to-end product lifecycle, pricing, positioning, and campaigns while collaborating with Risk, Legal, Compliance, Tech, Operations, Marketing, and Analytics teams.

The role requires 8+ years in product management within consumer lending or credit cards, strong data-driven decision making, and a customer-centric mindset.