FINTECH Head of Product

Head of Product

About the Role

We are seeking a commercially driven and strategic Head of Product to lead the organization's product portfolio, product strategy, and overall commercial performance.

This role will be responsible for maximizing the business value of the organization's products by developing market-driven product strategies, identifying growth opportunities, improving product profitability, and strengthening customer acquisition, engagement, and retention.

The successful candidate will oversee the entire product business lifecycle, ensuring that the organization's products remain competitive, commercially viable, and aligned with evolving customer needs and market opportunities.

Working closely with senior leadership and cross-functional teams, including Sales, Marketing, Finance, Operations, Risk, Compliance, and Technology, the Head of Product will translate business objectives and market insights into successful product strategies and measurable commercial outcomes.

This is a senior business leadership role suited for someone with strong commercial acumen, strategic product management experience, and a proven track record of building, managing, and growing products within the banking, financial services, or fintech industry.

Key Responsibilities

1. Product Strategy & Portfolio Management

• Develop and lead the overall product strategy and portfolio direction in alignment with the organization's business objectives and growth ambitions.
• Identify opportunities to introduce new products, enhance existing offerings, and expand the organization's product portfolio.
• Assess market demand, customer behavior, competitor offerings, and industry developments to identify potential product opportunities.
• Establish product positioning, value propositions, and differentiation strategies to strengthen market competitiveness.
• Manage the product portfolio throughout its lifecycle, ensuring each product delivers sustainable business value and meets commercial objectives.
• Recommend product investments, enhancements, and portfolio priorities based on market potential, customer demand, and financial performance.

2. Commercial Strategy & Revenue Growth

• Drive the commercial performance of the product portfolio, ensuring products contribute to revenue growth, profitability, and overall business performance.
• Develop strategies to increase product penetration, customer acquisition, activation, engagement, cross-selling, and retention.
• Identify opportunities to improve revenue streams, optimize product economics, and maximize customer lifetime value.
• Work closely with Sales, Marketing, and Commercial teams to develop effective go-to-market strategies and product growth initiatives.
• Establish and monitor product-level commercial KPIs, including revenue contribution, profitability, adoption, customer growth, and product utilization.
• Identify underperforming products and develop strategies to improve their commercial viability and performance.

3. Product Pricing & Profitability

• Lead product pricing, packaging, and monetization strategies to ensure competitiveness and sustainable profitability.
• Evaluate product economics, revenue models, cost structures, margins, and customer value propositions.
• Develop business cases and financial assessments for new product launches, enhancements, and strategic product investments.
• Collaborate with Finance and other business stakeholders to establish pricing frameworks and assess product profitability.
• Ensure product strategies balance customer affordability, market competitiveness, revenue generation, and long-term business sustainability.

4. Market Research & Customer Insights

• Drive market intelligence and competitive analysis to identify emerging trends, customer expectations, and untapped market opportunities.
• Use customer data, market research, and business performance insights to inform product strategies and decisions.
• Understand customer needs, pain points, and financial behaviors to develop relevant and competitive product offerings.
• Monitor competitor products, pricing, promotions, and market positioning to identify opportunities for differentiation.
• Champion a customer-centric approach to product development and portfolio management.

5. Product Launch & Go-to-Market Execution

• Lead the commercial planning and execution of new product launches and major product enhancements.
• Develop go-to-market strategies, including target customer segments, product positioning, pricing, distribution channels, and launch objectives.
• Coordinate with Marketing, Sales, Operations, and other relevant business units to ensure successful product introduction and adoption.
• Establish product launch metrics and evaluate post-launch performance against commercial objectives.
• Drive continuous improvements to product offerings based on customer feedback, market response, and commercial results.

6. Cross-Functional Business Leadership

• Work closely with executive leadership to align product priorities with the organization's overall business strategy.
• Partner with Sales, Marketing, Finance, Operations, Risk, Compliance, and Technology teams to ensure successful product execution.
• Translate business requirements and commercial priorities into clear product initiatives and business requirements for Technology and other supporting teams.
• Ensure product offerings comply with applicable regulatory requirements, internal policies, and risk management standards.
• Influence key business decisions and drive alignment across multiple stakeholders.

7. Team Leadership & Organizational Development

• Lead, mentor, and develop a high-performing product management team with strong commercial and business orientation.
• Establish clear product ownership, performance expectations, and accountability across the product organization.
• Build a culture of commercial ownership, customer focus, innovation, and data-driven decision-making.
• Develop product management capabilities and strengthen collaboration across business functions.

Qualifications & Requirements

• Bachelor's degree in Business Administration, Finance, Economics, Marketing, or a related field. An MBA or postgraduate qualification is an advantage.
• At least 12–15 years of professional experience, with significant experience in product management, product strategy, commercial management, or business leadership.
• At least 5–7 years in senior product leadership or management roles, preferably overseeing multiple products or a diversified product portfolio.
• Strong background in banking, digital banking, financial services, fintech, payments, consumer finance, or other related industries.
• Demonstrated experience owning product strategy, portfolio management, commercial performance, and revenue growth.
• Proven track record in developing and launching products, driving market adoption, and improving product profitability.
• Strong understanding of product pricing, revenue models, business cases, financial performance, and product economics.
• Experience developing go-to-market strategies, customer segmentation, product positioning, and market expansion initiatives.
• Strong commercial acumen and ability to translate market opportunities into profitable business strategies.
• Experience leading cross-functional teams and influencing senior business stakeholders.
• Excellent leadership, strategic thinking, negotiation, and decision-making capabilities.

Key Performance Indicators

Performance will be measured through:

• Product portfolio revenue and profitability.
• Product adoption and market penetration.
• Customer acquisition, activation, and retention.
• Revenue growth and contribution per product.
• Product pricing effectiveness and margin improvement.
• Successful product launches and go-to-market execution.
• Customer engagement and product utilization.
• Product portfolio competitiveness and market share growth.

Industry: Digital Banking / Financial Services / FinTech

Location: Manila, Philippines

Work Arrangement: Hybrid - 2x a week onsite