Product Manager

Credit Card Product Manager – Buy Now Pay Later

Role Overview

The Credit Card Product Manager – BNPL will lead the development, launch, and growth of the company's Buy Now, Pay Later (BNPL) card proposition. This role requires a strong foundation in traditional card products (debit and credit) combined with the agility and innovation mindset needed in a non-bank, tech-driven environment.

The successful candidate understands the regulatory discipline of banking while being comfortable operating within a faster, start-up-style ecosystem where speed-to-market and product iteration are key competitive advantages.

Key Responsibilities

Product Strategy & Business Ownership

• Develop and execute the BNPL Card business plan and go-to-market strategy
• Own product P&L, revenue targets, cost management, and portfolio profitabilityDefine target customer segments, pricing, merchant discount models, and repayment structures
• Design flexible repayment schedules and credit limit management frameworks
• Identify and define sticky product features that drive repeat usage and customer retention

BNPL White Label & Partnership Strategy

• Develop and execute the BNPL white label strategy with test partners
• Assess viability of the proposition and refine commercial models
• Manage relationships with issuers, card networks, processors, and other external partners
• Drive negotiations and ensure alignment on commercial and operational frameworks

End-to-End Product Lifecycle Management

• Oversee full lifecycle of the BNPL card:
• Product conceptualization
• Card issuance
• Credit policy alignment
• Merchant onboarding
• Customer activation
• Repayment management
• Monitor portfolio performance, delinquency trends, and customer repayment behavior
• Implement continuous product enhancements based on data insights

Cross-Functional Collaboration

• Work closely with CLFC on funding structure and product design
• Partner with Market Development on technology build, integration, and customer experience delivery
• Collaborate with Risk, Compliance, Finance, and Operations to ensure regulatory and operational readiness
• Balance compliance with speed-to-market in a non-bank environment

Regulatory & Governance Alignment

• Ensure compliance with Philippine lending and consumer protection regulations
• Align product mechanics with applicable BSP-related frameworks and lending standards
• Maintain a tech-first, seamless customer experience while adhering to regulatory controls

Candidate Profile

• Strong experience managing debit and credit card product lines
• Hands-on ownership of product P&L, sales, distribution, and portfolio performance
• Deep understanding of installment-based lending models and merchant discount economics
• Knowledge of consumer repayment psychology and portfolio risk dynamics
• Experience working with issuers, card networks, and ecosystem partners
• Experience launching or managing card products end-to-end
• Experience in BNPL, digital lending, fintech, or non-bank financial institutions
• Familiarity with Philippine lending regulations
• Exposure to white-label card partnerships
• Experience in start-up or fast-scaling environments
• Balance of traditional bank card experience and digital/non-bank card exposure