VP Product - Lending & Retention

15+ years of product leadership experience, ideally in fintech, lending, digital banking, or consumer financial services Proven track record of scaling lending or retention products in high-growth environments Strong understanding of credit dynamics, risk management, and unit economics Customer-obsessed with deep empathy for underserved populations and emerging markets Experienced leading global, cross-functional teams across product, engineering, and operations Analytical and data-driven, with expertise in experimentation, A/B testing, and customer insights Strategic thinker who can operate at both vision and execution levels Excellent communicator and influencer across executive teams, investors, and regulators Champion of diversity, inclusion, and building mission-driven cultures

Define Product Vision & Strategy Develop and communicate a bold product roadmap for lending and retention Balance innovation with portfolio health, risk, and regulatory compliance Capital Markets & Funding Leadership Partner closely with Finance & Capital Markets to ensure sustainable and diversified funding Translate portfolio and product performance into narratives that resonate with investors and regulators Anticipate and influence macroeconomic and regulatory shifts Own the Customer Lifecycle Lead product strategy across the entire lending journey and customer conversion funnel Design retention initiatives that drive repeat usage, loyalty, and lifetime value Build & Lead Teams Lead, mentor, and grow a world-class product team focused on lending, and retention Foster a culture of impact, innovation, and accountability Lead Best-in-Class Repayments and Recoveries plans Identify optimization opportunities to enhance our repayments rates ratio Leverage 3rd party best practices and partners to significantly drive recoveries financially Global to Local Balance Build a product strategy that drives global lending performance while tailoring execution for local customer, cultural, and regulatory contexts Collaborate closely with GMs and market teams Drive Performance & Insights Establish KPIs for lending product performance Leverage data, experimentation, and customer insights to continuously optimize Cross-Functional Leadership Partner with risk, operations, finance and marketing Collaborate with design and engineering Innovation & Differentiation Stay ahead of fintech, credit, and retention best practices globally Identify opportunities to introduce new credit features, loyalty programs, or adjacent financial products