We are looking for a strong, hands-on Product Owner to lead the development and growth of our Car Loans product — from MVP to scale. You will own the full product lifecycle: customer research, pricing and unit economics, underwriting logic, dealer partnerships, operational processes, and regulatory alignment. Your mission: build the most seamless and profitable auto loan product in the market.
Product Strategy & Delivery
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Define and own the product roadmap for Car Loans (new and used vehicles).
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Translate business goals into clear product requirements, user stories, and acceptance criteria.
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Prioritize backlog, manage sprints, and deliver features on time with high-quality output.
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Build and scale the MVP through rapid iterations, experiments, and data-driven decisions.
Customer & Market Understanding
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Conduct customer discovery, interviews, competitive research, and pain-point analysis.
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Understand dealership and marketplace ecosystems.
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Identify key value propositions for customers, dealers, and internal stakeholders.
Credit & Risk Architecture
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Work with Risk to define eligibility rules, PD/LGD assumptions, collateral valuation rules, LTV matrix, underwriting flows, and early-warning triggers.
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Ensure compliance with local regulatory requirements (CBU) and best practices in secured lending.
Unit Economics & Pricing
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Build and maintain financial models: APR/IRR structure, COR, CoF, NPL/roll-rate impact, dealer commissions and incentives.
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Own pricing experiments — balancing marketing rate vs real yield, fees, insurance structures, and optionality.
Dealer & Partner Integration
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Develop scalable processes for onboarding, training, and supporting dealer partners.
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Collaborate on API integrations with car marketplaces, valuation tools, and insurance partners.
Cross-Functional Leadership
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Work closely with Engineering, Design, Risk, Credit Operations, Compliance, Legal, Finance, and Marketing.
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Drive alignment across teams — from KYC flows to payout processes to collateral management.