FatakPay Digital - Product Manager - Loan Receivable

ABOUT THE ROLE:

- We are seeking an experienced Product Manager to oversee the Loan Receivable function within our organization.

- In this role, you will be responsible for managing the entire lifecycle of our loan receivable products, from conception to launch and beyond.

- Your primary focus will be on optimizing the management of loan receivables, ensuring compliance with regulatory standards, and driving innovations that improve the efficiency and effectiveness of our financial products.

- You will work closely with cross-functional teams, including finance, operations, risk, and technology, to deliver high-quality products that meet the needs of our customers and the business.

KEY RESPONSIBILITIES:

- Product Strategy: Develop and implement the product strategy for loan receivables, aligning with the company's overall business goals.

- Lifecycle Management: Manage the end-to-end lifecycle of loan receivable products, including ideation, design, development, testing, launch, and post-launch analysis.

- Loan Receivable Optimization: Continuously optimize the loan receivable process to improve cash flow, reduce delinquencies, and manage credit risk.

- Stakeholder Management: Collaborate with finance, risk, operations, and technology teams to ensure product alignment and successful execution.

- Regulatory Compliance: Ensure all loan receivable products comply with relevant laws, regulations, and industry standards.

- Data Analysis: Utilize data-driven insights to monitor product performance, identify areas for improvement, and make informed decisions.

- Market Research: Conduct regular market research to stay informed about industry trends, competitor offerings, and customer needs related to loan receivables.

- Customer Focus: Work closely with customer service and feedback channels to understand user pain points and enhance product features.

- Risk Management: Partner with risk management teams to ensure that loan receivable products are designed with appropriate risk controls.

- Innovation: Drive product innovation by identifying new opportunities to enhance the loan receivable portfolio, including new features, partnerships, and technologies.

- Digital Communication Tools: Leverage digital communication tools such as CRM systems, SMS/WhatsApp bulk senders, dialers, and payment gateways to enhance customer interaction and streamline payment processes.

- Information Technology Soft Skills: Utilize programming knowledge and IT skills to collaborate effectively with engineering teams and contribute to the technical aspects of product development.

QUALIFICATIONS:

- Experience: 3-5 years of experience in product management, with a focus on loan receivables, credit, or financial products, preferably in the Bank/NBFC/Fintech industry.

- Technical Skills: Understanding of loan receivables processes, credit risk management, financial modeling, and digital communication tools.

- Programming Knowledge: Strong IT soft skills, including knowledge of programming, to effectively communicate with technical teams.

- Digital Communication Tools: Knowledge of CRM, SMS/WhatsApp bulk senders, dialers, and payment gateways.

- Analytical Skills: Strong analytical and problem-solving skills, with the ability to interpret complex data and make data-driven decisions.

- Regulatory Knowledge: Familiarity with regulatory requirements and industry standards related to loan receivables and financial products.

- Project Management: Proven ability to manage multiple projects simultaneously and deliver on time and within scope.

- Communication Skills: Excellent verbal and written communication skills, with the ability to convey complex concepts to various stakeholders.

- Team Collaboration: Experience working in cross-functional teams, with strong interpersonal skills to foster collaboration.

GOOD TO HAVE:

- Advanced Excel and SQL: Proficiency in data analysis tools.

- Experience with Digital Tools: Familiarity with tools like JIRA, Confluence, and financial modeling software.

- Understanding of Emerging Technologies: Knowledge of AI/ML applications in credit risk and loan receivable management.

- Leadership Experience: Experience leading a team or mentoring junior product managers.