Senior Product Manager, Personal Loans

تابي; Riyadh; On-site; SAR 300,000 - 500,000; Full time

Job summary

Tabby in Saudi Arabia is building a full consumer lending line and seeks a Senior Product Manager to own the product from concept through P&L, pricing, and regulatory alignment.

You will define lending products, eligibility rules, tenors and repayment structures, collaborate with legal, risk and engineering to deliver a scalable, compliant financing experience for customers across Tabby's markets.

Qualifications

• 3+ years of experience as a Product Manager.
• Experience with credit or lending products.
• Experience managing complex product lifecycles.
• Fluency in English and Arabic.

Responsibilities

• Define lending products we launch in KSA and Tabby's markets.
• Own the P&L, pricing, and profitability metrics.
• Collaborate with legal, compliance and external partners.
• Define billing, repayment options and collections hand-offs.
• Set strategy for 12- and 24-month growth and product scope.

Skills

Product management

Credit products

Fintech experience

English

Arabic

Job description

Senior Product Manager, Personal Loans

Department: B2C Credit, Product

Employment Type: Full Time

Location: KSA

Reporting To: Vita Krukhtanova

Description

Tabby creates financial freedom in the way people shop, earn and save by reshaping their relationship with money. Over 25 million users choose Tabby to stay in control of their spending and make the most out of their money.

The company’s flagship offering allows shoppers to split their payments online and in-store with no interest or fees. Over 70,000 global brands and small businesses, including Amazon, Noon, IKEA, and SHEIN use Tabby to accelerate growth and gain loyal customers by offering easy and flexible payments online and in stores.

Tabby generates over $18 billion in annual transaction volume for its partner brands and is the highest-rated, most-reviewed, largest, and fastest-growing FinTech in the GCC region.

Tabby launched in 2019 and has since raised +$1 billion in equity and debt funding from global and regional investors, and is now valued at $6,5 billion.

About the role

Tabby is known for BNPL, but credit is our fastest-growing business. Saudi Arabia is our biggest market, and we want to build a full consumer lending line there.

We are looking for a Senior Product Manager based in Saudi Arabia to build that business from the ground up and own its P&L.

This is not a feature role. You will define what the product is, how it is priced, who qualifies, how it stays compliant.

What you will be doing

The product construct. Define the lending products we launch in KSA and across Tabby's other markets, including eligibility, tenors, limits, repayment structure, and what happens at every edge of the flow.

The P&L. Revenue and cost are yours: profit rates and pricing etc. You build the business case, commit to the numbers, and explain every month why they moved.

Work with legal, compliance and external partners, and so the customer experience does not suffer for it.

Billing and servicing logic. Billing logic, repayment options, early settlement, late fees, collections hand-offs. This is detailed work: you will sit with engineering and specify, case by case, what lands where and why.

Strategy. Where this business should be in 12 and 24 months, which segments we serve, what we build next, and what we deliberately do not build.

What you will need

• Saudi Arabia residency, familiarity with the market and an understanding of local culture
• 3+ years of experience as a Product Manager. Experience with credit or lending products matters most, but strong experience in fin-tech or tech products also works
• A proven track record of managing complex product lifecycles and delivering successful products
• Attention to detail, our products work with people's money, so precision matters at every step
• Comfort working with risk, compliance and legal to get a product approved, not just designed
• Resilience and the ability to adapt in a rapidly changing environment
• Fluency in English and Arabic

Benefits

What you can expect

• Ownership & Impact: A working environment that gives you autonomy and responsibility from day one.
• Culture: Collaborative, inclusive, and driven environment where your voice matters.
• Flexibility: Enjoy flexible working hours designed to optimize productivity and balance.
• Growth: Participate in the company’s employee stock options program and shape your career trajectory.
• Support: Comprehensive health insurance, generous PTO and a Flexible Benefits budget to meet your personal needs.

We are passionate about creating an inclusive, high-performing workplace that gives people from all backgrounds the support they need to thrive, grow, and meet their goals (whatever they may be).