• Application Deadline:
• Position: Senior Technical Product Manager, CredTech



• Job Type Full Time



• Qualification BA/BSc/HND , MBA/MSc/MA



• Experience 10 - 12 years



• Location Lagos




• City Victoria Island




• Job Field ICT / Computer 
  
  

Req ID: 16960

Job Summary

• We’re seeking a Senior Technical Product Manager: CredTech to define and deliver credit technology platforms and products that enable origination, decisioning, servicing, and collections across the enterprise.


• In this role, you will ensure credit products are powered by scalable, secure, and intelligent technology solutions while balancing risk management, compliance, and customer experience.

Responsibilities

Product Strategy & Roadma:

• Own the product vision and roadmap for credit technology platforms (origination systems, loan management, decisioning engines, collections platforms).


• Align CredTech product strategy with enterprise digital transformation, lending strategy, and regulatory requirements.


• Stay ahead of industry trends such as AI/ML-driven credit scoring, embedded finance, BNPL, and digital lending ecosystems.

Product Delivery & Execution:

• Lead cross-functional teams (engineering, risk, data science, operations) to deliver credit platforms and services.


• Translate business needs into technical product requirements and user stories.


• Oversee end-to-end delivery lifecycle, ensuring speed-to-market while maintaining quality and compliance.


• Implement real-time decisioning, API-driven origination flows, and automated loan servicing capabilities.

Governance, Risk & Compliance:

• Ensure CredTech platforms comply with credit regulations, consumer protection laws, and risk frameworks.


• Partner with risk and compliance teams to embed credit policies, affordability checks, and credit bureau integrations.


• Govern data security, privacy, and regulatory reporting within CredTech products.


• Support audit, compliance reviews, and regulatory interactions related to credit technology.

Data & Decisioning Enablemen:

• Collaborate with data science teams to enhance credit scoring models, affordability assessments, and risk segmentation.


• Drive integration with credit bureaus, alternative data providers, and AI/ML models.


• Ensure real-time analytics and dashboards are available for portfolio management and decisioning oversight.

Stakeholder & Vendor Management:

• Act as the product owner bridging business (credit, lending, risk, collections) and technology.


• Manage vendor relationships with core lending platforms, credit decision engines, and fintech partners.


• Represent CredTech product strategy in executive committees, steering boards, and regulatory forums.

Qualifications Education & Certification

• Bachelor’s degree in Computer Science, Information Systems, Finance, or related field (mandatory).


• Postgraduate qualification (MBA, MSc in FinTech, Risk, or Data Science) – advantageous.

Professional Certifications (preferred/required):

• Credit Risk/Banking: CFA, FRM (Financial Risk Manager), or equivalent


• Product Management: Agile Product Owner (PSPO, SAFe POPM)


• Data/Decisioning: Machine Learning or Data Analytics certifications (advantageous)


• Cloud/Platform certifications (AWS/Azure/GCP – relevant to credit platforms)

Experience:

• 10–12 years’ experience in product management or credit technology, with at least 5+ years in senior product ownership.


• Proven track record in delivering credit/lending platforms, including origination, decisioning, and loan servicing.


• Strong knowledge of credit risk management, lending workflows, and regulatory requirements.


• Experience with decisioning engines (e.g., FICO, Experian, Provenir), credit bureau integrations, and APIs.


• Exposure to digital lending models, embedded credit, BNPL, and alternative credit scoring.


• Prior experience in regulated industries (banking, fintech, financial services) preferred.

Core Skills & Competencies:

• Strong technical product management expertise (platforms, APIs, integrations, credit systems).


• Deep understanding of credit lifecycle — origination, decisioning, servicing, collections.


• Ability to balance risk management, compliance, and customer experience.


• Excellent stakeholder management across credit, risk, compliance, engineering, and data science.


• Strong analytical and problem-solving skills with a data-driven mindset.


• Ability to influence executives, vendors, and regulators with clarity and authority.

Why You’ll Enjoy It Here:

• Be Part of Something Big – A growing company where your contributions matter.


• Make an Immediate Impact – Support groundbreaking technologies with real-world results.


• Work on Cutting-Edge Tech – AI, cybersecurity, and next-gen digital solutions.


• Thrive in an Inclusive Team – A culture built on trust, collaboration, and respect.


• We Care – Integrity, empathy, and purpose guide every decision.


• We’re looking for innovators, problem-solvers, and experts ready to drive change and grow with us.