Product Manager – Cards and Lending (Taguig)

Trusting Social is an AI Fintech pioneer thats revolutionizing credit access in emerging markets. Our mission is Advancing AI to Meet the Financial Needs of Everyday Consumers with Empathy. Weve assessed over 1 billion consumers across four countries and were on a mission to provide 100 million credit lines using the power of AI and Big Data.

How Youll Make an Impact

Based in Manila you will own the design development and commercial performance of 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 and cash loans. A core responsibility is developing financial models and P&L analyses that support product decisions and demonstrate risk-adjusted profitability.

This is a hands-on builder role for someone who challenges the status quo dares to rethink how financial products are built and experiments at pace without waiting for a full mandate. You will work closely with Risk Finance Engineering Partnerships and external banking and platform partnerslistening before acting aware of the downstream impact of every product decision and building products that balance customer value commercial performance and responsible lending.

What Youll Do

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 partner requirements with long-term product sustainability and scalability

Financial Modeling & P&L Ownership

• Build and own detailed financial models unit economics analyses and P&L forecasts for each product
• Define pricing fee structures and reward frameworks grounded in data-informed decisions
• Synthesize signals from market partner and customer data into actionable product recommendations
• Track performance metrics and act on early signals to optimize profitability and risk-adjusted returns

Product Development & Launch

• Own end-to-end product specification: from concept and business case through technical requirements UAT and go-live
• Coordinate across Risk Engineering Operations Compliance and external partners to deliver on schedule
• Define and maintain the product governance frameworkensuring every launch is documented compliant and audit-ready
• Run structured launch reviews to assess performance against targets and drive continuous improvement

Partner & Stakeholder Management

• Serve as the primary product interface with banking partners platform partners and regulators
• Translate partner requirements and regulatory constraints into well-defined product specs and technical briefs
• Build trust through consistent delivery and intentional communication; stay aware of downstream impact on partner operations
• Represent product to senior leadership with evidence-backed recommendations

AI-Powered Product Operations

• Use AI tools activelycraft precise prompts critically evaluate outputs and apply AI to accelerate analysis documentation and roadmap communication
• Experiment proactively with AI-powered workflows to expand what you can deliver without expanding headcount
• Build feedback loops that capture customer and partner signals for ongoing product refinement

What Were Looking For

Experience & Background

• 5 years of product management experience with at least 3 years in financial products (credit cards consumer loans or co-lending)
• Deep familiarity with Philippine banking regulations BSP requirements and consumer lending frameworks
• Experience building financial models P&L structures and unit economics analyses from scratch
• Background in fintech digital banking or credit-driven consumer products; startup or high-growth tech background is a strong plus

How You Work

• Insights & AI Readiness You synthesize data and AI tool outputs into product decisions; you craft precise prompts evaluate results critically and apply AI to deliver more with less
• Bias for Action You move quickly from analysis to decision and produce tangible results without waiting for a full mandate
• Cross-domain Competence You connect product risk finance and technology thinking naturally coordinating across functions to unlock pace
• Growth Mindset You treat every launchsuccessful or notas a learning signal actively raise your own bar and bring others along

Skills & Competencies

• Business Owner You make calls without waiting for central approval; you own outcomes end-to-end not just tasks
• Product Architect You prototype product flows and decision logic; you read metrics before acting and build from evidence
• Domain Expert You can break down credit product mechanics for any audience and know which edge cases to cover and document
• AI Operator You keep product documentation workflows and AI-assisted outputs above quality threshold; you catch drift early
• Strong English communication skills (spoken and written professional fluency required)
• High adaptability and comfort operating in fast-paced ambiguous environments

What We Offer

Join our vibrant team and enjoy:

• Competitive compensation package including yearly performance bonus.
• HMO coverage for employee 2 dependents.
• Hybrid work setup (2 days onsite / 3 days WFH).
• AI productivity tools (Claude Cowork).
• Onsite lunch with multiple options including vegetarian.
• Grab for work allowance and fully equipped workstations.
• Generous leave policies including annual leave sick leave and flexible work hours.
• Government-mandated benefits (SSS PhilHealth Pag-IBIG).
• Work alongside talented colleagues across multiple countries: the US Mexico Singapore Vietnam India Indonesia and the Philippines.
• Be part of a high-growth fintech at an exciting stage of expansion with real ownership from day one.
• Make real social impact by helping to democratize credit access for underbanked.

At Trusting Social we live by ownership integrity and agility in execution. We believe in doing whats right whats best and whats innovative. If youre smart driven and want to make a difference in the world with the most advanced and fascinating technology come join our team. We offer the runway to truly make an impact.

Learn more about us: Apply: Please submit your resume along with a cover letter detailing your interest in the role and how your experience aligns with the requirements and values of Trusting Social. We look forward to reviewing your application and exploring the possibility of you joining our exceptional team.

Required Experience:

IC

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