Product Manager for Tendo Loans

About the Role

Report to the Tendo Product Lead and own an assigned portion of Tendo loan product initiatives end to end, from requirements through UAT to go-live. The Product Lead sets overall direction; you drive delivery of the roadmap and backlog.

What You'll Do

Business Acumen

• Support the Product Lead in driving stakeholder decisions on loan pricing and fees, servicing rules, and credit scorecard and limit decisioning
• Track and optimize key metrics (onboarding conversion, loan availment, delinquency/NPL, collections, cost-to-serve) to grow Tendo's contribution to the bottom line
• Turn performance data and customer, employer, and partner feedback into product enhancements and new opportunities, building a bottom-up view that keeps the roadmap aligned with top-down direction

Product Execution

• Write BRDs/PRDs, user stories, acceptance criteria, and test scenarios
• Prioritize the backlog with the Product Lead, covering strategic items as well as bug fixes, enhancements, and compliance and finance requests, with a clear view of scope, dependencies, and timelines
• Work with Tendo and Tonik Technology teams to refine requirements with business analysts, coordinate development across LMS, backoffice, backend, and web/mobile, and agree on release plans with tech delivery and the Product Lead
• Manage third-party vendors and integrations
• Run end-to-end UAT, from the app and web interface to backend processing (LMS, backoffice, credit scoring, integrated systems)

Operational Excellence

• Partner with Risk, Compliance, Finance, FinOps, Underwriting, and Fraud to improve portfolio quality and ensure compliance with BSP regulations and lending best practices
• Cascade product and process changes to Collections, Customer Service, FinOps, HR, Marketing, and other support teams
• Ensure smooth go-lives with release communications and go-to-market plans for every launch

What You Bring

• Bachelor's degree in business, finance, IT, or a related field
• 5+ years in product management (ideally fintech or banking), including 3+ years building and launching B2C lending products
• Strong requirements-writing skills and a track record of delivering multiple concurrent initiatives to tight timelines across business and technology teams
• Experience with a loan management system, core banking, or credit/risk scoring system (cloud or on-prem); familiarity with BSP lending regulations is a plus
• Data-driven mindset and strong Excel skills (PowerBI or Datadog a plus)
• Familiarity with Figma, LucidChart, Confluence, and Jira
• Excellent problem-solving, analytical, and stakeholder management skills
• Plus: experience integrating third-party vendors and APIs (messaging, identity verification, payments), employer-linked or salary-based lending, or operational roles