Senior Product Manager

The Senior Product Manager – Consumer Products is responsible for the end to end product development, delivery, and continuous enhancement of consumer financial products, including credit cards, loans, instalment plans, balance transfers, top ups, and related value added services.

The role will lead product strategy, market research, proposition development, product launches, portfolio management, and continuous improvement. Working closely with Risk, Technology, Operations, Finance, Marketing, Compliance, and other stakeholders, the role will ensure products are commercially viable, customer focused, digitally enabled, and aligned with Finance House’s strategic and regulatory objectives.

• Develop and execute product strategies and propositions for assigned consumer products, including cards, loans, instalment plans, balance transfers, and related services.
• Own the end to end product lifecycle from market research and business case development through launch, optimization, and product rationalization.
• Develop short, medium, and long term product roadmaps covering product features, digital journeys, underwriting, technology initiatives, and business priorities.
• Conduct customer research, segmentation, competitor analysis, and market reviews to identify new opportunities and enhance existing products.
• Define product propositions, pricing, features, eligibility criteria, and customer value propositions in line with market needs and business objectives.
• Monitor portfolio performance and identify opportunities to improve acquisition, activation, utilization, retention, revenue, profitability, and customer experience.

• Lead the design and delivery of new products, product enhancements, and digital customer journeys from concept through implementation and post launch optimization.
• Define product requirements, customer journeys, business processes, and functional specifications in collaboration with Technology and Operations.
• Drive digital acquisition, onboarding, credit decisioning, fulfilment, servicing, and other initiatives to improve customer experience and operational efficiency.
• Identify opportunities to simplify processes, automate product journeys, improve turnaround times, and enhance digital capabilities.
• Partner with Technology, Data, and Analytics teams to leverage automation, AI, and advanced analytics to improve product performance and customer outcomes.
• Establish product level financial objectives and monitor revenue, costs, profitability, portfolio growth, and key performance indicators.
• Develop business cases and financial models for new products, product enhancements, pricing changes, campaigns, and strategic initiatives.
• Recommend pricing, fees, promotions, and product economics that balance customer value, competitiveness, risk, and profitability.
• Monitor product P&L and identify opportunities to improve portfolio contribution and sustainable returns.
• Partner with Credit Risk to define and optimize product eligibility, underwriting, credit policy, risk appetite, and decisioning requirements.
• Monitor portfolio quality, delinquency, approval rates, utilization, attrition, and other relevant risk and performance indicators.
• Ensure products and product changes comply with approved risk appetite, credit policies, regulatory requirements, and internal governance frameworks.
• Work closely with Compliance, Legal, AML, Risk, and other control functions to ensure regulatory and operational requirements are addressed throughout the product lifecycle.
• Establish and lead product governance routines, including product performance reviews, roadmap reviews, and cross functional forums.
• Represent the function in relevant audits, regulatory reviews, governance committees, and discussions with card schemes, processors, vendors, and strategic partners.

• Partner with Marketing, Sales, and Distribution teams to develop product positioning, go to market strategies, campaigns, and customer acquisition initiatives.
• Develop strategies to improve customer acquisition, activation, engagement, utilization, retention, cross sell, and customer lifetime value.
• Use customer insights, behavioural data, and portfolio analytics to identify opportunities for targeted propositions and improved customer experiences.
• Monitor campaign and proposition performance and recommend improvements based on measurable business outcomes.

• Work closely with…