Responsibilities
- Define and evolve a multi-segment credit card lineup including Credit Builder, fixed-fee, progressive-fee, grace-period, and non-grace-period products, and build a clear product ladder with transparent migration rules based on payment behavior, risk, and card usage.
- Design and refine pricing mechanics such as fixed fees, progressive fees, interest-based pricing, grace periods, minimum payments, cash withdrawal fees, and transfer fees, ensuring the tariff structure balances customer appeal with portfolio profitability.
- Take full responsibility for product profitability by modeling and optimizing the funnel from acquisition and onboarding through utilization, average debt, ARPU, risk cost, funding cost, fee income, and operating expenses.
- Partner with Risk teams on customer segmentation, credit limits, approval strategy, risk-based pricing, vintage analysis, and migration rules between products, ensuring product mechanics drive desired customer behavior without compromising portfolio quality.
- Own the full customer journey from acquisition and onboarding to activation, regular usage, limit increases, retention, and cross-sell, delivering a seamless, digital-first experience at every stage.
- Analyze customer data, competitor offerings, and global best practices to identify features that materially shift conversion, usage, profitability, or retention, not just expand the backlog.
- Build and defend the product roadmap based on financial impact, customer value, risk, technical complexity, and team capacity, making hard trade-offs and communicating the rationale clearly.
- Establish product KPIs, formulate hypotheses, design A/B tests and pilots, analyze results, and make data-driven scale-or-kill decisions.
- Understand the credit product architecture including billing, fee and interest calculation, card processing, payment cycles, account statuses, and third-party integrations to effectively collaborate with engineering teams.
- Develop business requirements, CJMs, tariff structures, legal documentation, operational processes, and system logic, driving products from concept to live delivery.
- Work daily with IT, Risk, Finance, Operations, Marketing, Legal, and HQ stakeholders, preparing and defending product decisions in front of leadership and shareholders.
- Set tasks for analysts, designers, and developers, ensure delivery quality, and build a transparent product management process.
Requirements
- Strong experience in managing credit cards, credit lines, or other unsecured consumer lending products end-to-end, from strategy and financial modeling to launch, scaling, and portfolio management.
- Ability to independently build and defend a credit product’s financial model, identify key profitability drivers, and find ways to improve unit economics.
- Solid understanding of credit risk, segmentation, approval strategy, credit limits, vintage analysis, and how product mechanics influence customer payment behavior.
- Technical fluency to collaborate with IT on business and system logic including billing, processing, fee calculations, payment cycles, integrations, and product status management.
- Strong data skills to work confidently with funnels, cohorts, and experiments, distinguish causation from correlation, and make decisions based on metrics.
- Proven prioritization discipline to select a few highest-impact initiatives, say no to weak ideas, and protect the roadmap.
- Clear communication to explain complex product and financial mechanics to leadership, risk, IT, and other stakeholders concisely.
- Fluent Russian — mandatory.
- English at upper-intermediate level or higher (spoken and written) — required.
Nice to Have
- Spanish is a plus but not required.
Benefits
- Remote or hybrid work format — specific location and arrangement discussed individually with the right candidate.
- Relocation support to Mexico or Serbia for candidates who are a strong fit.
- Official employment or contractor arrangement depending on location and local regulations.
- The opportunity to own and shape a complete credit card portfolio in a high-impact, expanding market.
- A data-driven, entrepreneurial environment where product decisions translate directly into business results and customer growth.
- Cross-functional collaboration with local and international teams, with direct exposure to HQ leadership.
