Product Manager, Credit at Nomba (Formerly Kudi)

About the Role

• The Product team shapes the experiences that power Nomba.
• We turn complex problems into simple, scalable solutions, working with Design, Engineering and Data to build features our customers love.
• Credit helps these businesses go after bigger goals: more stock, bigger orders, new outlets, and steady cash through slower months.
• We are looking for a Product Manager who can take responsibility for the credit roadmap, which Nomba offers through our lending partner, including day-to-day operations, delivery and managing risk.
• From idea to launch and beyond, you will work across teams, keep senior leadership informed, and be the go-to person for credit at Nomba.

What you will do

• Own the strategy and roadmap for overdrafts, loans and working-capital credit.
• Work with Risk, Finance and our lending partner on eligibility, credit limits, pricing and risk appetite.
• Build and improve application, approval, repayment and collections flows.
• Own origination volume, default and loss rates, and net credit revenue after losses.
• Write clear specs and ship with engineering, design and QA in regular sprints.
• Talk to customers often, and use data to decide what to build next.

What you need

• 2 to 6 years of product management experience, including lending, credit or a closely related financial product.
• Working knowledge of underwriting, repayments, collections and loss rates.
• Experience shipping regulated products with Risk, Compliance and Finance teams.
• Comfort with data and SQL.
• Clear writing and strong working relationships across teams.

Nice to have:

• Experience lending to small businesses in Nigeria or other African markets.
• Experience with collateralized lending or stablecoin products.