Head of Product

Responsibilities:

• Develops product proposition for Near Prime Customers Segment in field of Consumer Goods financing (POS loans), Retail Lending and Credit Cards.
• Analyzes market environment and competitors offers in target customers segments.
• Designs product value proposition tailored for target customers segments balancing product attractiveness, technological feasibility, licensing limitations and financial efficiency.
• Develops customers product legal, financial and technological layers to ensure smooth customers onboarding and business processes around customers lifecycle.
• Takes responsibility for product P&L and initiating appropriate product / business processes changes to reach target KPIs.
• Designs online & offline retailers and marketplaces integrations concepts to provide customers with financing solutions.
• Ensures customers acquisition at target volumes within certain cost per sale limit.
• Manages customers lifecycle processes on all stages: onboarding, first and further usage and retention stage.
• Owning customers and product metrics like time2yes, time2cash, activation rate, usage rate, balance per customer, profitability, attrition rate etc.
• Ensures that new product propositions meet all cost, quality and performance objectives outlined in the products conceptual phase.
• Develops success matrix to set clear expectation for results to be achieved by the introduction of new products and initiatives.
• Creates and manages the overall Product Management process.
• Gathers and analyzes feedback from sales, marketing, development, and the market.
• Analyzes an action plan (development and fulfillment) of each product's UE increase, customer segments LTV and an efficiency of each product.
• Cooperates with marketing, risks, IT, finance and legal departments both in HQ and countries.
• Manages customers product usage experience through continuous product and processes development. 

Requirements:

• Solid experience in field of Consumer Goods financing (POS loans), Retail Lending (Installment Loans) and/or Credit Cards in banking or Fintech (priority) is a must.
• Experience of ancillary products management.
• High level understanding of the other functions such as risks, marketing, IT.
• Fluent level of English (oral and written).
• Good analytical skills, thinking out of the box, flexibility.
• Capability to track and solve several tasks meantime.
• Eager to learn new, open-minded, advanced communication skills with very good soft skills.