Product Manager Credit Cards

About Us

Trusting Social is an AI fintech dedicated to advancing data science and technology to promote financial inclusion for all. We provide AI-powered credit risk, identity, and acquisition solutions for emerging markets, partnering with banks to expand credit access to underbanked consumers.

1 billion scored customers

130+ financial institutions

10+ million people

Extreme Ownership, Data-Driven Decision Making, Mindfulness, and Social Impact

How You'll Make an Impact

Based in Manila, you will own the design, development, and commercial performance of our consumer lending and credit card products in the Philippines.

As we progress through licensing and move toward operational launch, you will translate market opportunities, partner requirements, and regulatory constraints into well-defined, profitable products that customers love to use.

You will own the full product lifecycle—from concept and business case through specification, launch, and post-launch optimization—across:

On-us credit cards

Co-branded credit cards

Co-lending products

Personal loans

Cash loans

A core responsibility of this role is developing financial models and P&L analyses that support product decisions and demonstrate risk-adjusted profitability.

Working closely with Risk, Finance, Engineering, Partnerships, and external banking and platform partners, you will build products that balance customer value, commercial performance, and responsible lending.

This is a hands-on builder role suited for someone who thrives in a lean, fast-moving, and license-pending environment.

Mission of the Role

To define, build, and grow a portfolio of credit card and lending products that are commercially viable, operationally sound, and compliant.

You will own each product's P&L, unit economics, and roadmap while ensuring every launch is backed by a sound financial case and a clearly defined customer need.

As Product Manager, you will serve as the bridge between commercial strategy, partner requirements, risk appetite, and technical delivery—transforming complex opportunities into successful, profitable products.

What You’ll Do

1. Product Strategy & Roadmap

Own the product vision, strategy, and roadmap for assigned credit card and lending products.

Translate market opportunities, partner needs, and competitive insights into a prioritized product backlog.

Define product positioning, target customer segments, and value propositions across on-us, co-branded, co-lending, and personal/cash loan products.

Balance short-term launch priorities with long-term portfolio growth and platform scalability.

2. Financial Modeling & P&L Ownership

Build and maintain product-level financial models covering revenue, cost of funds, credit losses, fees, and operating costs.

Own the product P&L and unit economics, tracking actual performance against plan and explaining key variances.

Develop business cases and pricing scenarios for new products, features, and partnerships, including sensitivity and break-even analyses.

Model interest income, interchange revenue, late fees, other fee income, ECL/provisioning impact, and partner revenue-sharing arrangements.

Partner closely with Finance to align product models with corporate forecasts and reporting.

3. Credit Card & Lending Product Expertise

Apply deep knowledge of credit card and lending product mechanics, including billing cycles, interest accrual, minimum payments, credit limits, amortization, tenors, and fee structures.

Define pricing, credit limit policies, repayment terms, and lifecycle treatments in partnership with Risk.

Design customer journeys across onboarding, activation, usage, repayment, and collections.

Stay current with Philippine market trends, including BNPL, co-branded cards, digital lending, and emerging product innovations.

4. Product Delivery & Execution

Write clear product requirements, user stories, and acceptance criteria.

Maintain product specifications throughout the delivery lifecycle.

Collaborate closely with Engineering, Design, and platform partners (e.g., Card Management Systems and Loan Management Systems) to deliver features on time and according to specifications.

Coordinate end-to-end product launches, including UAT, go-to-market readiness, and rollout sequencing within network and licensing constraints.

Define product success metrics and ensure features are properly instrumented for post-launch performance measurement.

5. Partner & Stakeholder Management

Serve as the primary product contact for bank, BIN sponsor, and platform partners regarding product scope and requirements.

Translate commercial agreements and partner term sheets into actionable product features and roadmaps.

Align stakeholders across Commercial, Risk, Finance, Compliance, and Operations on product decisions and trade-offs.

Support partnership negotiations by providing product feasibility assessments and financial impact analyses.

6. Compliance & Risk Alignment

Ensure products comply with BSP regulations, consumer protection requirements, and internal risk policies.

Incorporate Risk and Compliance requirements into product design from the outset.

Partner with Risk to define credit policies, pricing, and limit frameworks within approved risk thresholds.

Maintain product documentation to support audits, governance approvals, and regulatory reviews.

7. Performance Monitoring & Optimization

Monitor key product KPIs, including acquisition, activation, usage, balances, delinquency, and profitability.

Identify opportunities to optimize pricing, product features, and customer experience using data-driven insights.

Conduct experiments and A/B testing where appropriate to improve conversion, engagement, and financial performance.

Prepare product performance reports and portfolio updates for senior leadership and external partners.

8. Cross-Functional Collaboration

Collaborate with Marketing on product positioning, campaigns, and customer communications.

Partner with Operations and Customer Service to ensure products are operationally efficient and customer issues are resolved.

Support data and analytics initiatives that improve customer targeting and credit decisioning.

Contribute to a strong product culture by sharing knowledge and best practices across teams.

What We’re Looking For

Education

Bachelor's degree in Business, Finance, Economics, Engineering, or a related field.

MBA or other advanced degree is preferred.

Relevant professional certifications are an advantage.

Experience

5+ years of product management experience, preferably within banking, fintech, or consumer lending.

Demonstrated knowledge of credit card and/or loan products, including product mechanics and economics.

Proven experience building financial models and managing or contributing to product P&Ls.

Successful track record of launching products end-to-end within a regulated environment.

Experience working with banks, BIN sponsors, or platform partners is an advantage.

Experience in high-growth, early-stage, or license-pending environments is preferred.

Technical & Functional Expertise

Strong financial modeling skills using Excel or Google Sheets.

Deep understanding of lending and credit card product economics, including interest, fees, interchange, and provisioning.

Working knowledge of credit risk concepts such as PD, LGD, and ECL.

Familiarity with the Philippine regulatory environment for lending and credit cards.

Ability to write clear product specifications and collaborate effectively with engineering teams.

Strong analytical mindset with the ability to define metrics and make data-driven decisions.

Preferred Skills & Competencies

Strong commercial mindset with the ability to balance customer value and profitability.

Excellent communication and presentation skills for senior leadership and external partners.

Structured, analytical thinker with strong execution capabilities.

High ownership and comfort working in ambiguous, fast-paced environments.

Strong cross-functional collaboration across Risk, Finance, Engineering, and Commercial teams.

High integrity and sound judgment in balancing growth with responsible lending.