Product Manager- Lending

OmniPay

Product & Project Management

OmniPay is a fast-growing FinTech company committed to building inclusive financial services for Africa’s underserved FMCG businesses and consumers. We provide digital financial infrastructure, from wallets and payments to credit and embedded finance designed to power economic growth across the continent.

Our lending platform supports small businesses and individuals within the FMCG distribution chain with access to working capital, inventory credit, revolving loans, and other tailored financial products. We're looking for a driven, strategic, and technically-inclined Product Manager – Lending to lead the next chapter of our credit product innovation.

Role Overview

As Product Manager – Lending , you will own the end-to-end strategy, development, and optimization of our credit offerings across SME (B2B) and consumer (B2C) segments. You’ll be responsible for building scalable, compliant, and data-driven lending experiences, from origination to servicing and collections.

You’ll collaborate cross-functionally with engineering, data, credit risk, marketing, operations, and compliance teams to ship products that drive both customer impact and business growth.

Key Responsibilities

• Product Strategy & Roadmap
• Define and lead the lending product roadmap across both B2B and B2C verticals, covering working capital loans, embedded credit, invoice financing, BNPL, and term loans.
• User-Centric Development
• Identify customer pain points through research and usage data. Translate insights into scalable product features tailored to SME owners, retail consumers, and distributors.
• Technical Leadership
• Collaborate with engineering to design credit decisioning systems, loan lifecycle flows (disbursement, repayment, rollover), APIs, scoring engines, and backend processes.
• Data-Driven Optimization
• Use cohort analysis, funnel metrics, and repayment performance to continuously improve product-market fit, unit economics, and credit risk-performance alignment.
• Compliance & Risk Collaboration
• Work with credit risk, legal, and finance teams to ensure lending products meet regulatory requirements and align with portfolio risk appetite and business objectives.
• Growth and Distribution
• Drive user acquisition, activation, and product adoption by partnering with marketing and sales to build contextual loan experiences and embedded finance solutions.
• Cross-Functional Execution
Lead cross-functional squads to deliver features on time, maintain product quality, and improve the reliability and scalability of the lending platform.

Required Qualifications

• 3–4 years of product management experience, with a minimum of 2 years dedicated to credit/lending products in FinTech, digital banking, or embedded finance.
• Proven experience launching and scaling multiple lending product types, including but not limited to:

• Working capital loans for SMEs (inventory credit, invoice financing, revolving credit).

• Consumer credit products such as buy-now-pay-later (BNPL), personal loans, or device financing.

• Embedded credit experiences, integrated within e-commerce, logistics, or distribution workflows.

• Demonstrated understanding of the entire credit lifecycle, including:

• Origination – customer onboarding, application capture, credit scoring (including use of alternative data), and automated eligibility.

• Underwriting – building or integrating credit decision engines, scorecard configuration, and loan approval flows.

• Disbursement & Repayment – structuring payment plans, automated collections, and wallet or bank integration.

• Hands-on experience working with engineering and data teams to design back-end lending systems (e.g., loan ledgers, repayment logic, credit limit engine, credit utilization monitoring).
• Strong command of credit risk concepts including loss rate, NPL (non-performing loan) management, cohort monitoring, and provisioning.
• Comfortable with KYC, AML, and regulatory frameworks relevant to digital lending in African markets or other emerging economies.
• Experience running experiments and A/B testing to optimize lending product performance, from pricing models to engagement flows.
• Proficient in analytics and metrics-driven decision-making, comfortable using SQL, dashboards, and product experimentation tools to measure product impact.
Exceptional collaboration and communication skills, capable of aligning internal stakeholders (credit, compliance, marketing, engineering, and sales) behind a unified lending roadmap.

Preferred Qualifications

• Experience launching lending products in Africa or other emerging markets.
• Background in financial services, digital banking, FinTech, or embedded finance platforms.
• Familiarity with credit scoring models, alternative data use, and integration with KYC/AML providers.
• Experience working with lending partners (banks, credit bureaus, insurance underwriters).
Exposure to collections systems, dunning strategies, and loan servicing tooling.

What We Offer

• Competitive compensation with performance-based incentives
• Health insurance and pension benefits
• Hybrid work flexibility
Mission-driven culture with clear ownership and growth opportunities

<