Senior Product Manager - Lending (IOS)

FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company currently operates primarily within Nigeria, and it has secured nearly €50 million in funding from renowned global investors, including Tiger Global, DST, and Flourish Ventures.

In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents.

FairMoney thrives on its diverse workforce, bringing together talents from over 27 nationalities. This multicultural team drives the company’s mission of reshaping financial services for underserved communities.*Role OverviewAs a Senior Product Manager – Lending iOS*, you will be responsible for shaping and driving the strategy, roadmap, and customer experience of FairMoney's lending products on iOS.

You will own the end-to-end product experience for customers accessing lending products through the iOS application, from loan discovery and application to credit assessment, disbursement, repayment, and repeat borrowing.

You will work closely with Engineering, Design, Growth, Data Science, Risk, Credit, and Operations teams to build a seamless, scalable, and data-driven lending experience. You will also work closely with the technical team to improve the scalability of the lending platform that powers our products.

This role requires a strong understanding of lending, mobile product development, customer behaviour, and fintech, with a focus on delivering measurable improvements in conversion, customer satisfaction, loan performance, and retention.**

**Key Responsibilities

Product Strategy and Vision

• Develop and execute a clear product strategy and vision for FairMoney's iOS lending experience, aligned with overall business objectives and customer needs.
• Own the strategy for the end-to-end iOS lending journey, including loan discovery, eligibility, application, credit assessment, disbursement, repayment, and repeat borrowing.
• Identify and prioritise opportunities to improve loan application conversion, activation, customer experience, and retention on iOS.
• Identify market and customer opportunities to ensure FairMoney's lending products remain competitive and relevant.
• Work closely with the technical team to shape the scalability and evolution of the lending platform that powers FairMoney's lending products.
• Balance customer needs, business objectives, risk requirements, and technical constraints when making product decisions.** Product Roadmap Management
• Collaborate with Engineering, Design, Growth, Data Science, Risk, Credit, and Operations to create and execute a clear product roadmap.
• Own and prioritise the iOS lending roadmap based on business goals, customer insights, data, and technical opportunities.
• Regularly review and refine the roadmap based on market dynamics, customer feedback, product performance, and business priorities.
• Have the ability to brutally prioritise initiatives based on identified and agreed-upon goals.
• Work closely with engineering teams to ensure product requirements are clearly defined and successfully delivered.** iOS Lending Experience
• Own the customer experience of lending products within the iOS application.
• Identify and remove friction across the loan journey to improve application completion, approval, disbursement, repayment, and repeat-loan adoption.
• Partner with Design and Engineering to build intuitive, reliable, and customer-friendly lending experiences.
• Use customer feedback, product analytics, and behavioural data to continuously improve the iOS lending journey.
• Work with Growth and CRM teams to improve customer activation, engagement, and retention through relevant lending experiences.
• Ensure that lending features are consistent with the broader FairMoney mobile banking experience.** Customer Insights and Data Analysis
• Conduct market research and customer analysis to understand customer behaviour, needs, and pain points related to lending.
• Analyse product funnels and customer behaviour across the iOS lending journey to identify opportunities for improvement.
• Define and track key product KPIs, including application conversion, approval rates, disbursement rates, repayment behaviour, repeat borrowing, and retention.
• Use data-driven insights and experimentation to make informed product decisions.
• Work closely with Data Science and Risk teams to understand credit and lending performance and translate insights into product improvements.** Product Development and Launch
• Own the end-to-end product development process, from discovery and requirements definition through development, launch, and optimization.
• Translate customer and business problems into clear product requirements and actionable solutions.
• Work closely with Engineering, Design, QA, Risk, and Operations to deliver high-quality lending features within agreed timelines.
• Lead product launches and monitor performance after release, making data-driven improvements where required.
• Ensure that lending products meet applicable quality, risk, and compliance requirements.** Experimentation and Optimization
• Design and execute experiments to improve the iOS lending funnel and overall customer experience.
• Continuously test and optimize onboarding, loan discovery, application, approval, disbursement, repayment, and repeat-loan experiences.
• Use A/B testing and other experimentation methods to validate product hypotheses and measure impact.
• Identify opportunities to improve both customer value and business outcomes through product optimization. Requirements**

• Bachelor's degree in Business, Finance, Computer Science, or a related field. A Master's degree is a plus.
• Minimum of 5 years of experience as a Product Manager, with strong experience in lending, fintech, or financial services.
• Strong understanding of consumer lending and digital lending products, including loan applications, credit assessment, disbursement, repayment, and repeat borrowing.
• Experience building and improving mobile products, preferably iOS or customer-facing financial applications.
• Demonstrated experience developing and launching successful fintech or lending products.
• Strong analytical and data-driven decision-making skills.
• Experience using product analytics, funnels, KPIs, and experimentation to drive product decisions.
• Familiarity with the Nigerian and African fintech markets and an understanding of local customer preferences and behaviours is a bonus but not essential.
• Excellent leadership and communication skills, with the ability to collaborate effectively with cross-functional teams.
• Experience managing and motivating high-performing product teams.
• Creative problem-solving mindset with a strong focus on data and KPIs.
• Entrepreneurial mindset and commitment to getting hands dirty at all times.
• Experience working on platform products is a plus.
• Experience working closely with mobile engineering teams is a plus.
• Experience with iOS product development, Swift, or Apple ecosystem products is a plus, but deep technical coding experience is not required. Benefits

• Competitive pay
• Paid annual leave
• A network of talented colleagues
• Recruitment Process
• Introductory call with members of the hiring team (30 mins).
• Interview with the Hiring Manager to assess technical fit (45 mins).
• Skills assessment.
• Final interview with the Chief Product Officer to discuss technical expertise and overall experience (45 mins).

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