lemfi - Senior Product Manager - Credit

• You are commercial and curious. You understand that running a credit product means managing a living, breathing portfolio with real money at stake — not just shipping features. You are comfortable in the detail of vintage curves, conversion funnels, decline reasons, and customer feedback, and you use that detail to decide what is worth building next. You are hands-on with engineering, bias to action, and at home in the messy middle of a fast-growing fintech. • 5+ years of product management experience, ideally within consumer credit, lending, or fintech — with hands-on exposure to managing a live lending portfolio and the trade-offs that come with it. • Prior hands-on experience in one or more of credit risk, marketing analytics, finance, or data science preferable. You have spent meaningful time in an analytical function — not just consumed dashboards from one — and bring that rigour into how you frame problems, size opportunities, and measure impact. • A strong commercial instinct — fluent in unit economics, loss rates, conversion funnels, vintage performance, and the trade-offs between growth, risk, and customer outcomes. • Demonstrable experience using AI tools to drive efficiency and quality — in your own work, across the team’s delivery, and embedded into the product. You can point to specific examples of where you have used AI to remove toil, speed up delivery, or unlock something new. • Comfort getting your hands dirty in data — SQL fluency or equivalent strongly preferred. You should not need to wait on an analyst to form a point of view. • A track record of owning a product area, shaping a roadmap, and shipping outcomes that have moved meaningful business metrics. • Strong stakeholder management skills, with the ability to influence and align cross-functional partners across credit risk, decision science, engineering, operations, and commercial. • Hands-on collaboration skills with engineering teams, including comfort with technical trade-offs and a genuine partnership on quality. • A customer-first mindset, with experience using both qualitative research and quantitative insight to inform product decisions. • Clear, commercial communication — able to translate complex portfolio and product trade-offs into simple, actionable narratives for the Credit Product Lead, leadership, and internal and external stakeholders. • A proactive, problem-solving mindset and the resilience to thrive in a fast-paced, evolving environment. • Familiarity with credit decisioning, scorecards, decision engines, or lending platforms is a strong plus.