BNPL Product Manager

PayTech Group

Core Responsibilities and Accountabilitiesbr> Product Development & Strategy:

• Develop and execute the strategy for micro-lending and BNPL products, ensuring alignment with the banks broader retail banking objectives.
• Identify market opportunities, customer needs, and competitive trends to enhance existing offerings and launch innovative lending solutions.
• Design and implement scalable, technology-driven credit solutions tailored to different customer segments. br br

Risk & Compliance Management:

• Collaborate with risk, compliance, and legal teams to define credit policies, underwriting criteria, and fraud prevention strategies.
• Ensure products comply with local regulatory requirements and global best practices in responsible lending.br>
• Work closely with credit risk teams to optimize customer selection br br

Partnerships & Ecosystem Development:

• Identify and establish partnerships with merchants, fintechs, payment processors, and technology providers to expand BNPL adoption.
• Negotiate commercial agreements with ecosystem partners and ensure seamless integration with banking infrastructure.
• Drive cross-functional collaboration with internal teams (IT, operations, marketing, and sales) to deliver a superior customer experience. br br

Customer Experience & Digital Adoption:

• Enhance digital lending journeys by integrating seamless onboarding, instant approvals, and frictionless repayment options.
• Work with UX/UI teams to optimize customer interfaces across mobile banking, online banking, and third_x0002_party platforms.
• Implement customer education programs to drive awareness and responsible usage of micro-lending and BNPL services. br br

Performance Monitoring & Optimization:

• Define and track key performance indicators (KPIs) such as loan origination, repayment rates, default ratios, and customer retention.
• Leverage data analytics to refine pricing strategies, lending limits, and repayment structures to maximize portfolio performance.
• Continuously iterate and improve product features based on customer feedback, usage patterns, and industry innovations br br