Job Description
PalmPay is a leading fintech company committed to providing innovative payment and consumer finance solutions that make digital financial services more accessible, safe, and rewarding.We are expanding our presence in the Philippines through mobile installment programs for Transsion brands (Tecno / Infinix / Itel), enabling consumers to enjoy flexible and affordable financing options.Current company seeking a Product Manager who will be responsible for leading the end-to-end product lifecycle of mobile phone lending and device financing solutions. The role requires strong experience in mobile device lending, fintech credit products, and telco/retail device financing, with specific exposure to the Philippines market. The successful candidate will drive product strategy, execution, and performance while ensuring regulatory compliance and commercial viability.
Key Responsibilities
Define and execute the product strategy and roadmap for mobile phone lending and device financing products.
Manage the full product lifecycle, from ideation, market research, and requirements gathering to launch, optimization, and scaling.
Collaborate with engineering, risk, credit, operations, sales, and marketing teams to deliver product enhancements and new features.
Design and optimize loan structures, repayment models, pricing, and eligibility criteria for device financing products.
Work closely with credit and risk teams to develop underwriting rules, fraud prevention controls, and portfolio performance monitoring.
Analyze product performance metrics including adoption, conversion, repayment behavior, defaults, and profitability.
Ensure full compliance with local regulations in the Philippines, including lending, consumer protection, and data privacy requirements.
Coordinate with OEMs, distributors, retailers, and telco partners involved in mobile device financing programs.
Gather customer insights and market feedback to continuously improve user experience and product value.
Prepare product documentation, business cases, and performance reports for senior management.
Key Requirements
Bachelor's degree in Business, Finance, Economics, Information Systems, or a related field.
Minimum of 35 years experience as a Product Manager in fintech, device financing, or mobile lending.
Proven experience in mobile phone lending / device financing products, preferably within the Philippines market.
Strong understanding of digital lending models, credit risk, collections, and lifecycle management.
Experience working with cross-functional teams in fast-paced fintech or financial services environments.
Knowledge of Philippines lending regulations and industry best practices is highly desirable.
Strong analytical skills with the ability to interpret data and make product-driven decisions.
Excellent communication and stakeholder management skills.
Preferred Qualifications
Experience with BNPL, installment-based lending, or smartphone financing platforms.
Exposure to Android device locking, KYC, and loan management systems.
Background in emerging markets fintech is an added advantage.
Key Competencies
Strategic thinking and execution
Customer-centric product design
Data-driven decision making
Risk and compliance awareness
Strong problem-solving skills
Stakeholder and partner management
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