Head of Product - Riyadh, المملكة العربية السعودية - Digital Finance International

وصف

Responsibilities:

• Develops product proposition in field of Consumer Goods financing (POS loans), Retail Lending and Credit Cards.

• Analyzes market environment and competitors offers in target customers segments.

• Designs product value proposition tailored for target customers segments balancing product attractiveness, technological feasibility, licensing limitations and financial efficiency.

• Develops customers product legal, financial and technological layers to ensure smooth customers onboarding and business processes around customers lifeclycle.

• Takes responsibility for product P&L and initiating appropriate product / business processes changes to reach target KPIs.

• Designs consumer goods online & offline retailers and marketplaces integrations concepts to provide customers with financing solutions.

• Ensures customers acquisition at target volumes within certain cost per sale limit

• Manages customers lifecycle processes on all stages: onboarding, first and further usage and retention stage.

• Owning customers and product metrics like time2yes, time2cash, activation rate, usage rate, balance per customer, profitability, attrition rate etc.

• Ensures that new product propositions meet all cost, quality and performance objectives outlined in the products conceptual phase.

• Develops success matrix to set clear expectation for results to be achieved by the introduction of new products and initiatives.

• Creates and manages the overall Product Management process

• Gathers and analyzes feedback from sales, marketing, development, and the market

• Analyzes an action plan (development and fulfillment) of each product's UE increase, customer segments' LTV and an efficiency of each product.

• Cooperates with marketing, risks, IT, finance and legal departments both in HQ and countries.

• Manages customers product usage experience through continuous product and processes development.

Requirements:

• Solid experience in field of Consumer Goods financing (POS loans), Retail Lending (Installment Loans) and/or Credit Cards in banking or Fintech (priority) is a must.

• Experience of ancillary products management.

• High level understanding of the other functions such as risks, marketing, IT.

• Fluent level of English (oral and written).

• Good analytical skills, thinking out of the box, flexibility.

• Capability to track and solve several tasks meantime.

• Eager to learn new, open-minded, advanced communication skills with very good soft skills.