Senior Product Manager: Lending-As-A-Service Platforms (m/f)

  • Produkt
  • Hamburg

kreditech Kreditech

Join the financial revolution!

Kreditech is a pre-eminent European FinTech company headquartered in Hamburg, Germany. Funded by some of the most respected global investors, e.g. JC Flowers, Varde Partners, Peter Thiel, IFC, Rakuten, Blumberg Capital, Victory Park, Kreditech has so far raised 135m EUR in equity and 190M EUR in refinancing capital. We use state-of-the-art proprietary, artificial intelligence based risk underwriting models and e2e digital financial processes to issue installment and micro loans to households in five markets on three continents: Spain, Poland, Russia, Czech Republic and Mexico. More then 300 employees represent more than 40 nationalities and provide full spectrum of professions required to build a modern, digital financial services disruptor.

Your Role 

  • Envision, plan, scope and develop state-of-the-art API platform for partnership based distribution of lending products with further future product extensions;
  • Your products today consist of two core groups: installment loans and microloans;
  • Your partners today consist of: payment service providers, e-commerce/m-commerce, banks and can extend to telcos, classifieds, physical agents and touch points in the future;
  • Drive proper differentiation of APIs, processes, billing, partner service tools between more customized strategic accounts and more standardized and scalable mid-tier and small-tier segments;
  • Design processes that collect data relevant to risk underwriting and lead to loan initiation and payout;
  • Your scalable lending processes will need to enable modifications and adaptations necessary in the global context (modularity, flexibility) as well as strategic account needs;
  • Your processes will strike best balance between customer experience, commercial effectiveness, cost, scalability, reliability;
  • Ensure Data Protection laws are closely enforced at any time;
  • Be a core contributor to building a robust business and monetization model with 3rd party distributors;
  • Closely partner with core teams and professions necessary to deliver state-of-the art e2e process: development, infrastructure, marketing, risk, underwriting, collections, accounting and controlling, country teams, customer service, legal;
  • Make sure your products are fully compliant with respective country regulations in which Kreditech operates: licensing, KYC, funding, risk, customer data protection, reporting;
  • Introduce layers of product innovations in every round of KT release and portfolio cycle;
  • Challenge the banking world with the degree of excellence of our digital process advantage in lending;
  • Be a core contributor to further international expansion and product rollouts into new countries and manage adaptations to the need of local markets;
  • Report to member of Senior Leadership Team member – VP Loan Products;
  • Your products are global: 5 countries on 3 continents, set to add new geographies in 2017-2019;
  • Be located in Hamburg, with 15-20% requirement for international travel;
  • You will be a member of a team of +6 (business), working in fully integrated fashion with the engineering team of +10 (dev, test), orchestrating 10+ stakeholder teams/functions with directly influenced capacity of +50;
  • Your team and stakeholders will be truly diverse, global community consisting of 20+ nationalities;
  • Have a keen eye on new opportunities in the fintech space and help redefining the strategic vision;
  • Join a team of highly passionate product professionals known for excellence in digital transformation space.

Your Strengths

  • You have a background in building and managing digital B2B, B2B2C platforms and partnerships and respective features, processes and procedure management for at least 4-6 years;
  • We will strongly prefer exposure to digital and direct channels in sales, delivery, service and engagement, ideally in context of partnership models;
  • Should you be exceptional digital B2B/B2B2C or digital distribution while having somewhat less of consumer lending exposure for now then we will support you in bringing your financial services credentials to global state-of-the-art level;
  • You have proven experience in designing effective and efficient process in multi-functional, ideally multi-national context;
  • You will have formal university education in either of: business/banking, product, process management, business operations, computer science or other related fields;
  • You understand aspects of monetization models in partnerships;
  • You follow recent trends in digital transformation of financial services;
  • You can assume both the customer perspective and the business perspective;
  • Understanding of web technologies (eg. html/css/js) or financial services process and technical stack (product factory, middle-office, back-end) will be a plus;
  • You are an expert in engaging with Finance, Risk, Business Development, Sales and Distribution, Legal and Engineering;
  • You are fluent in English;
  • You have demonstrated capability of working effectively in an international working environment;
  • As a plus, you follow recent trends in digital transformation of financial services / FinTech;
  • You are passionate for what you chose to do.

How to apply

We accept applications exclusively through our recruiting platform, found under the ‘Apply Now’ link.

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