We are scaling our Offline Lending business in Nigeria and looking for a Product Manager to own the product end-to-end - from acquisition and loan origination to repayment, collections, and portfolio performance.
We are looking for a hands-on product leader with strong experience in the Nigerian lending market, who understands offline / branch / field-based lending and can drive both portfolio growth and sustainable profitability.
We expect the first tangible outcomes within 6–8 weeks.
What You’ll Do- Own the Offline Lending product lifecycle end-to-end
- Optimize loan products, eligibility, pricing, limits, tenor, and approval processes
- Improve customer acquisition through branches, field teams, agents, and other offline channels
- Drive portfolio growth while maintaining healthy PAR, NPL, default, and profitability metrics
- Work with Risk, Credit, Operations, Collections, Data, Engineering, and Commercial teams
- Use data to improve approval rates, turnaround time, repayment, repeat lending, and unit economics
- Identify opportunities to scale the lending portfolio across Nigeria
Requirements
- 4–7 years of Product Management / Product Ownership experience
- Strong experience in lending products in Nigeria
- Hands-on experience with offline / branch-led / field-based lending
- Strong understanding of credit assessment, underwriting, loan origination, repayment, and collections
- Experience with portfolio management and lending metrics such as PAR, NPL, default, yield, and loss rates
- Experience in fintech, MFB, banking, consumer finance, or digital lending
- Strong commercial and data-driven mindset
- Proven ability to work cross-functionally with Risk, Credit, Operations, Collections, Data, and Engineering
- Strong stakeholder management and execution skills
- Fluent English
Strong plus: experience with SME, merchant, working capital, or repeat lending products.
Benefits
- Purpose: shape the future of fintech in Nigeria with products that reach millions, backed by a competitive salary and performance bonus
- Comfort: comprehensive health insurance, 25+ paid vacations and day-offs, personal development plan
- Growth: thrive in a fast paced work environment with flexibility, collaboration, and access to cutting-edge tools.
- Join a diverse, inclusive team where all voices are valued, and professional growth is a priority.
Skills Required
- 4–7 years of Product Management or Product Ownership experience
- Strong experience with lending products in Nigeria
- Hands-on experience with offline, branch-led, or field-based lending
- Strong understanding of credit assessment, underwriting, loan origination, repayment, and collections
- Experience with portfolio management and lending metrics such as PAR, NPL, default, yield, and loss rates
- Experience in fintech, MFB, banking, consumer finance, or digital lending
- Strong commercial and data-driven mindset
- Ability to work cross-functionally with Risk, Credit, Operations, Collections, Data, and Engineering
- Strong stakeholder management and execution skills
- Fluent English
- Experience with SME, merchant, working capital, or repeat lending products
What We Do
At Renmoney, we believe finance should be simple, useful and accessible to everyone. That’s what makes us really passionate about leveraging data driven insights to help us understand you better and build useful financial products for your personal and business needs - like convenient loans to help you do more today, savings to keep you on track for your goals and investments that’ll generate more money for you. We run a hybrid work model with some of our employees working fully remote and others working remotely and coming into the office a few times a week.
