Group Product Manager - Lending - NBFC

Group Product Manager - Lending

Company: OmniRetail

Location: Lagos, Nigeria (with exposure to Ghana & Cte d'Ivoire operations)

Type: Full-time

About OmniRetail

OmniRetail is a commerce-led financial services company transforming how goods and money move through Africa's informal and formal trade value chains. Operating in Nigeria with growing outposts in Ghana and Cte d'Ivoire, we connect manufacturers, distributors, and retailers through an integrated ecosystem of commerce, payments, and credit products - reaching a network of 160,000+ retailers.

About the Lending Business

Credit is the fuel of the FMCG value chain - and one of its biggest constraints. OmniRetail embeds working capital directly into trade flows: distributor financing to fund stock purchases from manufacturers, retailer inventory credit and buy-now-pay-later to grow basket sizes and order frequency, all underwritten on real transaction data flowing through our commerce and payments platforms.

The Role

We are hiring a Group Product Manager, Lending to own the vision and delivery of our value chain lending offering - across both underwriting and products. This is a senior, high-autonomy role spanning the full credit lifecycle: how we originate, how we decide, how we disburse, how we collect, and how the portfolio performs.

What You Will Do

- Own and articulate the multi-year vision and roadmap for lending across the FMCG value chain.

- Define how each lending product is positioned, sequenced, and integrated into the broader Omni ecosystem.

- Own the credit product policy layer: eligibility, limits, pricing, tenor design, and exposure rules.

- Partner with data science to build and iterate underwriting models.

- Lead the end-to-end development lifecycle for lending products.

- Own the metrics that matter: disbursement volume, portfolio yield, NPL and loss rates, collection efficiency.

What We're Looking For

- 8+ years in product management, with 3+ years leading product teams.

- Direct experience building and scaling credit products at a digital lender, embedded finance provider, or trade/supply chain finance platform.

- Strong quantitative fluency: comfortable with credit risk metrics, portfolio analytics, vintage analysis, and unit economics.

- Proven track record shipping products that move money.

- Experience operating in emerging markets.