Senior Product Manager Lending

Job description

Who we are: Do you want to join a well-established bank with a start-up culture? No, we’re not joking! We, at tbi , have been one the most profitable banks for years and we are growing at a fast pace. We’re a bank with a long history of success that operates as a start-up and we’re always on the lookout for new opportunities to grow our business. How do we do that? It's all about our people . Our team is made up of brave, passionate and caring people who don’t just want to follow the same path – we want to transform into mobile-first, state-of-the-art lifestyle ecosystem. Our colleagues love working here – 80% of them would recommend tbi as an employer to their friends and family. Our people are engaged in challenging and meaningful work, inspired to grow their potential and career, encouraged to learn and empowered to take decisions. That’s not corporate babble, it’s what our people say. We are looking for a Senior Product Manager Lending Products to join our Product Localization team within Product Lab. In this role, you will be responsible for shaping, adapting and evolving lending products across their full lifecycle, from identifying market and customer needs to defining product requirements, supporting implementation, launch, and post-launch optimization. You will work across consumer lending, merchant financing and digital lending journeys, ensuring that products are aligned with local regulations, market practices, customer expectations, and operational and technical capabilities. What You’ll do: Own the localization and ongoing development of the financial products in your scope, ensuring alignment with local regulations, customer needs, market trends and technical constraints. Assess and structure requests coming from Compliance, Risk, Audit, Legal, Operations, Business and other stakeholders, clarifying the problem, business impact and required timing. Translate local business and regulatory needs into clear product requirements, covering product features, setup, pricing logic, user flows, documentation and post-approval processes. Coordinate the analysis of new product initiatives and changes to existing products, including business cases, profitability considerations, customer impact and operational feasibility. Use product performance data, customer behavior, feedback and market insights to identify opportunities to improve, expand or optimize live products. Drive post-launch product improvements to keep products compliant, relevant, competitive and operationally efficient over time. Work closely with Product Owners and Tribes to align priorities and support the design, UAT and delivery of product changes, without replacing the ownership of the delivery teams. Partner with Legal and Compliance teams to ensure that product documentation, contractual materials and customer communication are accurate and up to date. Collaborate with Risk, Underwriting and Operations teams on product rules, approval logic, pricing strategies and process improvements. Monitor relevant KPIs and identify bottlenecks, quality issues or improvement opportunities across the product lifecycle. Coordinate go-to-market localization activities and support customer-facing teams with the information and training required for a smooth launch or product change. Contribute to cross-market alignment and help identify solutions that can be reused or scaled across markets where relevant. What you’ll need to succeed: At least 5 years of relevant experience in product management, product governance or business product development within banking, fintech or financial services. Strong understanding of financial products and customer journeys; experience with lending products. Demonstrated ability to manage complex product changes involving multiple stakeholders, dependencies and workstreams. Experience translating business, regulatory and operational needs into clear product requirements and actionable priorities. Analytical skills, including experience with product performance monitoring, KPI analysis and business case development. Commercial mindset and a good understanding of pricing logic, profitability drivers and customer impact. Excellent stakeholder-management skills and the ability to communicate clearly with business, control functions and technical teams. A structured, pragmatic and ownership-driven approach, with the ability to balance strategic priorities and day-to-day product improvements. Fluency in Romanian and English. Nice to have Experience working in a multi-market or regional product structure. Hands-on experience with digital journeys, embedded finance or checkout lending products. Experience working with Jira, Agile delivery teams and UAT processes. Exposure to regulatory change implementation and product documentation governance. What do we offer: · Seize the opportunity to grow your career. · Engage in exciting and meaningful work. · Get recognition for your work and attitude. · Become part of a large, friendly and supportive team. · Private healthcare subscription with Regina Maria - extra care for your health. · Stay Chill, Bite into Thrill: Our Fresh Fruits/Ice Cream Program. · Relax and Recharge: Our Weekly Office Chair Massage. · Unlock the joy of reading with Bookster – Access a library of inspiration. · Benefit from 28 days of annual leave – More time for what you love ( 22 vacation days, 5 for exceptional sick leave (no medical note), and 1 for your birthday). · Exclusive partner discounts – Enjoy deals tailored just for you. · A World of Friendly Faces: Join Our Passionate Multinational Team and Talk to 23 Nationalities at tbi bank . · Bring Your Furry Bestie: Let's Make Work Pawsome . Visit our Career Page to learn more about what makes us different. If this sounds like something you’d be interested in, we'd love to hear from you! We'd love to get back to everyone, but due to the number of applications we receive, we can only contact the shortlisted candidates. All applications are treated with utmost confidentiality. By submitting your job application to tbi bank you confirm that you have read the document named “Information related to personal data processing for job applicants” publicly available here anexa_3_nota_de_informare_recrutare_TBIB.pdf