SENIOR PRODUCT MANAGER - CREDIT AT KUDA BANK | PRODUCT MANAGER JOBS IN LAGOS

About Company:

Kuda is a money app for Africans on a mission to make financial services accessible, affordable and rewarding for every African on the planet. We’re a tribe of passionate and diverse people who dreamed of building an inclusive money app that Africans would love so it’s only right that we ended up with the name ‘Kuda’ which means ‘love’ in Shona, a language spoken in the southern part of Africa.
We’re giving Africans around the world a better alternative to traditional finance by delivering money transfers, smart budgeting and instant access to credit through digital devices. We’ve raised over $90 million from some of the world's most respected institutional investors, and we’re rolling out our game-changing services globally from our offices in Nigeria, South Africa, and the UK.

Job Description:

Own product strategy:

• Define and execute the product vision for your area, ensuring alignment with Kuda's broader Credit strategy.
• Develop ambitious product roadmaps focused on customer value, portfolio performance, and business growth.
• Continuously identify opportunities to unlock new lending use cases and improve existing customer journeys.

Build products customers love:

• Create AI-powered customer experiences and intelligent decisioning, leveraging the latest advances in AI to create faster, smarter, and more personalised lending experiences, while continuously identifying opportunities to improve how our teams build, operate, and scale products.
• Obsess over every step of the customer journey - from first application to final repayment.
• Balance customer experience with responsible lending principles.

Depending on your area of ownership, you'll help shape products across the entire credit ecosystem, including:

• Real-time lending experiences
• Overdrafts and personal loans
• Credit decisioning and underwriting
• Customer application journey
• Credit line management
• Repayment and collections experiences
• Portfolio optimisation and customer lifecycle management
• Pricing and behavioural interventions
• Internal tools that improve credit operations efficiency
• AI-powered customer’s credit experiences and decision making

Drive measurable business impact:

• You'll own meaningful business outcomes such as credit revenue, portfolio profitability, approval rates, lending growth, credit operational efficiency, and beyond. 
• We do not measure success by features shipped, we measure it by outcomes delivered.

Make data your superpower:

• Build hypotheses using customer insights, behavioural data, and experimentation.
• Define product metrics and success criteria.
• Run experiments, evaluate results, and iterate quickly.
• Use quantitative and qualitative insights to make informed decisions.

Work across the organisation:

• You'll work daily across various teams, and leadership levels.This role requires influence without authority. You'll bring people together around a shared vision and drive execution across multiple teams.

Deliver at speed:

• We're builders. You'll continuously prioritise opportunities, remove ambiguity, unblock teams, and ship improvements quickly while maintaining high quality.

Requirements:

• 7+ years of Product Management experience, with significant ownership of complex customer-facing products.
• Hands-on experience building and scaling retail credit or lending products.
• Deep understanding of unsecured lending, credit cards, overdrafts, personal loans, BNPL, or similar products.
• Strong understanding of customer journeys across the full lending lifecycle.
• Excellent product intuition supported by rigorous data analysis.
• Experience working closely with Engineering and Data Science teams.
• AI-first mindset: you're obsessed with finding practical applications of AI, not just using LLMs for writing or coding, but rethinking products, processes, and customer experiences around what AI makes possible. You constantly experiment with new tools and translate them into measurable business impact.
• Proven ability to define strategy and execute in fast-moving environments.
• Excellent prioritisation and decision-making skills.
• Outstanding communication and stakeholder management abilities.
• High ownership and accountability; you naturally think like a founder.

We're not looking for a generalist PM who wants to learn credit. We are looking for someone who has already built and scaled lending products, understands the complexity of credit, and is excited by the challenge of creating world-class lending experiences at scale.

Salary

Application Closing Date: Not specified

Application Instructions:

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