Product Manager Credit Cards

About Us

Trusting Social is an AI fintech dedicated to advancing data science and technology to promote financial inclusion for all. We provide AI-powered credit risk identity and acquisition solutions for emerging markets partnering with banks to expand credit access to underbanked consumers.

Since 2013 weve become the leading credit risk assessment platform in Southeast Asia with over 1 billion scored customers and US$800 million in loans disbursed.

We collaborate with 130 financial institutions across Vietnam the Philippines India and Indonesia and have raised US$100 million in Series C funding to scale our new credit cards business.

Our mission is to enable credit lines for 10 million people across the Philippines India and Indonesia. Were seeking passionate entrepreneurial and data-driven individuals to join our diverse team.

Headquartered in Singapore with offices in Ho Chi Minh City Hanoi Manila Jakarta Bangalore and Mumbai were guided by values such as Extreme Ownership Data-Driven Decision Making Mindfulness and Social Impact. Together were working to make universal financial inclusion a reality across Southeast Asia and India.

How Youll Make an Impact

Based in Manila you will own the design development and commercial performance of our consumer lending and credit card products in the Philippines.

As we progress through licensing and move toward operational launch you will translate market opportunities partner requirements and regulatory constraints into well-defined profitable products that customers love to use.

You will own the full product lifecyclefrom concept and business case through specification launch and post-launch optimizationacross:

• On-us credit cards

• Co-branded credit cards

• Co-lending products

• Personal loans

• Cash loans

A core responsibility of this role is developing financial models and P&L analyses that support product decisions and demonstrate risk-adjusted profitability.

Working closely with Risk Finance Engineering Partnerships and external banking and platform partners you will build products that balance customer value commercial performance and responsible lending.

This is a hands-on builder role suited for someone who thrives in a lean fast-moving and license-pending environment.

Mission of the Role

To define build and grow a portfolio of credit card and lending products that are commercially viable operationally sound and compliant.

You will own each products P&L unit economics and roadmap while ensuring every launch is backed by a sound financial case and a clearly defined customer need.

As Product Manager you will serve as the bridge between commercial strategy partner requirements risk appetite and technical deliverytransforming complex opportunities into successful profitable products.

What Youll Do

1. Product Strategy & Roadmap

• Own the product vision strategy and roadmap for assigned credit card and lending products.

• Translate market opportunities partner needs and competitive insights into a prioritized product backlog.

• Define product positioning target customer segments and value propositions across on-us co-branded co-lending and personal/cash loan products.

• Balance short-term launch priorities with long-term portfolio growth and platform scalability.

2. Financial Modeling & P&L Ownership

• Build and maintain product-level financial models covering revenue cost of funds credit losses fees and operating costs.

• Own the product P&L and unit economics tracking actual performance against plan and explaining key variances.

• Develop business cases and pricing scenarios for new products features and partnerships including sensitivity and break-even analyses.

• Model interest income interchange revenue late fees other fee income ECL/provisioning impact and partner revenue-sharing arrangements.

• Partner closely with Finance to align product models with corporate forecasts and reporting.

3. Credit Card & Lending Product Expertise

• Apply deep knowledge of credit card and lending product mechanics including billing cycles interest accrual minimum payments credit limits amortization tenors and fee structures.

• Define pricing credit limit policies repayment terms and lifecycle treatments in partnership with Risk.

• Design customer journeys across onboarding activation usage repayment and collections.

• Stay current with Philippine market trends including BNPL co-branded cards digital lending and emerging product innovations.

4. Product Delivery & Execution

• Write clear product requirements user stories and acceptance criteria.

• Maintain product specifications throughout the delivery lifecycle.

• Collaborate closely with Engineering Design and platform partners (e.g. Card Management Systems and Loan Management Systems) to deliver features on time and according to specifications.

• Coordinate end-to-end product launches including UAT go-to-market readiness and rollout sequencing within network and licensing constraints.

• Define product success metrics and ensure features are properly instrumented for post-launch performance measurement.

5. Partner & Stakeholder Management

• Serve as the primary product contact for bank BIN sponsor and platform partners regarding product scope and requirements.

• Translate commercial agreements and partner term sheets into actionable product features and roadmaps.

• Align stakeholders across Commercial Risk Finance Compliance and Operations on product decisions and trade-offs.

• Support partnership negotiations by providing product feasibility assessments and financial impact analyses.

6. Compliance & Risk Alignment

• Ensure products comply with BSP regulations consumer protection requirements and internal risk policies.

• Incorporate Risk and Compliance requirements into product design from the outset.

• Partner with Risk to define credit policies pricing and limit frameworks within approved risk thresholds.

• Maintain product documentation to support audits governance approvals and regulatory reviews.

7. Performance Monitoring & Optimization

• Monitor key product KPIs including acquisition activation usage balances delinquency and profitability.

• Identify opportunities to optimize pricing product features and customer experience using data-driven insights.

• Conduct experiments and A/B testing where appropriate to improve conversion engagement and financial performance.

• Prepare product performance reports and portfolio updates for senior leadership and external partners.

8. Cross-Functional Collaboration

• Collaborate with Marketing on product positioning campaigns and customer communications.

• Partner with Operations and Customer Service to ensure products are operationally efficient and customer issues are resolved.

• Support data and analytics initiatives that improve customer targeting and credit decisioning.

• Contribute to a strong product culture by sharing knowledge and best practices across teams.

What Were Looking For

Education

• Bachelors degree in Business Finance Economics Engineering or a related field.

• MBA or other advanced degree is preferred.

• Relevant professional certifications are an advantage.

Experience

• 5 years of product management experience preferably within banking fintech or consumer lending.

• Demonstrated knowledge of credit card and/or loan products including product mechanics and economics.

• Proven experience building financial models and managing or contributing to product P&Ls.

• Successful track record of launching products end-to-end within a regulated environment.

• Experience working with banks BIN sponsors or platform partners is an advantage.

• Experience in high-growth early-stage or license-pending environments is preferred.

Technical & Functional Expertise

• Strong financial modeling skills using Excel or Google Sheets.

• Deep understanding of lending and credit card product economics including interest fees interchange and provisioning.

• Working knowledge of credit risk concepts such as PD LGD and ECL.

• Familiarity with the Philippine regulatory environment for lending and credit cards.

• Ability to write clear product specifications and collaborate effectively with engineering teams.

• Strong analytical mindset with the ability to define metrics and make data-driven decisions.

Preferred Skills & Competencies

• Strong commercial mindset with the ability to balance customer value and profitability.

• Excellent communication and presentation skills for senior leadership and external partners.

• Structured analytical thinker with strong execution capabilities.

• High ownership and comfort working in ambiguous fast-paced environments.

• Strong cross-functional collaboration across Risk Finance Engineering and Commercial teams.

• High integrity and sound judgment in balancing growth with responsible lending.

Required Experience:

IC

Employment Type : Full-Time
Experience: years
Vacancy: 1