Product Manager - B2C Credit
On-siteStockholm, Stockholm, Sweden
Job Summary
Own and drive the product strategy and roadmap for Northmill's revolving credit facility and consolidation loan products, focusing on sustainable growth, customer value, and portfolio profitability. Continuously improve the customer journey across the entire lending lifecycle, including acquisition, application, underwriting, activation, utilisation, repayment, and retention. Work closely with Credit Risk, Analytics, Finance, Marketing, Customer Operations, Compliance, and Technology to deliver commercially successful and compliant lending products. Translate customer insights, market opportunities, portfolio performance, and business objectives into clear product priorities and development initiatives. Monitor and optimise key commercial metrics including approval rates, utilisation, portfolio growth, repayment behaviour, customer lifetime value, default rates, margins, and profitability. Identify opportunities to improve underwriting, pricing, credit limits, customer engagement, and portfolio performance using data-driven decision making. Ensure products remain competitive by understanding customer needs, market trends, regulatory developments, and competitor offerings. Actively engage with customers and internal stakeholders to validate product-market fit and identify opportunities for innovation and continuous improvement.
Required Qualifications
- experienced Product Manager – B2C Credit
- strong commercial background
- proven track record in consumer lending
- built, managed, and scaled lending products
- defining the strategy and roadmap for consumer credit products
- understands consumer lending economics
- understands portfolio performance
- understands customer behaviour
- understands risk management
- balance commercial growth with responsible lending
- understands consumer lending end-to-end
- customer acquisition
- underwriting
- pricing
- portfolio optimisation
- repayments
- retention
- commercial product leader
- Proven experience as a Product Manager within consumer lending
- track record of launching, growing, and optimising lending products
- Strong experience with revolving credit
- Strong experience with personal loans
- Strong experience with other unsecured consumer credit products
- A solid understanding of consumer credit risk
- understanding of underwriting principles
- understanding of pricing
- understanding of lending economics
- understanding of portfolio performance
- Experience working in fintech
- Experience working in banking
- Experience working in consumer finance
- Experience working in another regulated financial services environment
- A data-driven mindset
- strong analytical skills
- experience using insights to prioritise and improve products
- Excellent stakeholder management skills
- ability to collaborate across Product
- ability to collaborate across Engineering
- ability to collaborate across Credit Risk
- ability to collaborate across Analytics
- ability to collaborate across Commercial
- ability to collaborate across Operations
Desired Qualifications
- Experience with revolving credit facilities
- Experience with consolidation loans
- Experience with instalment lending
- Experience with other unsecured lending products
- Experience working with behavioural scoring
- Experience working with affordability assessments
- Experience working with decision engines
- Experience optimising digital customer acquisition funnels
- Experience optimising lending conversion journeys
- Knowledge of Nordic consumer lending markets
- Knowledge of financial regulations
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