Senior Product Specialist (Consumer Lending)

CORE PROFILE

Lead the strategy, development, and optimization of digital financial products that drive customer value, business growth, and portfolio performance. Champion customer-centric innovation by leveraging data, experimentation, and AI-enabled capabilities to accelerate product discovery, decision-making, execution, and continuous improvement.

KEY RESPONSIBILITIES

• Own the end-to-end product lifecycle, from opportunity identification and roadmap development to launch, optimization, and scale.
• Use customer insights, behavioral data, experimentation, and AI-powered analytics to identify opportunities and shape high-impact product solutions.
• Drive product strategy, prioritization, and performance management while balancing customer experience, growth, profitability, risk, and regulatory requirements.
• Partner with Business, Technology, Operations, Risk, Compliance, Finance, Design, Data, and external stakeholders to deliver scalable and innovative financial solutions.
• Leverage AI-enabled tools and automation to accelerate research, analysis, experimentation, documentation, and product delivery while maintaining sound product judgment and accountability.
• Stay ahead of emerging fintech, AI, and digital banking trends to continually enhance product offerings and customer outcomes.

AI & Digital Innovation Capabilities

• Applies AI-driven insights to improve product discovery, customer engagement, personalization, and decision-making.
• Utilizes AI-enabled tools to accelerate product research, experimentation, roadmap planning, and execution.
• Identifies and evaluates opportunities to embed AI, automation, and intelligent workflows into customer experiences and operational processes.
• Demonstrates data fluency and experimentation mindset, leveraging analytics, predictive insights, and customer behavior to drive product outcomes.

Critical Competencies

• Product Strategy & Roadmap Management
• Customer-Centric Product Development
• AI & Data-Driven Decision Making
• Digital Banking & Financial Services Expertise
• Stakeholder Influence & Cross-Functional Leadership
• Commercial Acumen & Business Case Development
• Experimentation, Innovation & Growth Mindset
• Risk, Compliance & Regulatory Awareness
• Strong Analytical and Problem-Solving Skills
• Agile Product Delivery & Execution Excellence

KEY QUALIFICATIONS

• 5+ years of product management experience in fintech, digital banking, financial services, or technology environments.
• Proven track record of launching, scaling, and optimizing digital products that deliver measurable customer and business outcomes.
• Experience leveraging data, experimentation, and AI-enabled tools to improve product strategy and execution.
• Strong understanding of digital ecosystems, emerging technologies, and customer-centered product innovation.