Repayment Product Lead

Job Description : Product Manager

About the Role :

Own the Repayment Journey : Define, strategize, and execute the product roadmap for all aspects of credit card repayment for revolvers and overdue customers.

Responsibilities

• Optimize Repayment Options : Research, design, and implement diverse and user-friendly repayment options to maximize successful on-time payments.
• Manage Overdue Lifecycle & Engagement : Develop and optimize the entire overdue repayment journey, flexible repayment plans, and engagement mechanisms to guide customers back to good standing.
• Drive Repayment Behavior & Incentivization : Explore and implement strategies, including gamification, nudges, and targeted incentives, to encourage positive repayment habits and reduce late payments.
• Champion Credit Awareness & Education : Develop educational content, interactive modules, and in-app experiences that demystify credit, explain interest, fees, and responsible card usage, empowering users to make informed financial decisions.
• Data-Driven Decision Making : Utilize analytics, A / B testing, and user feedback to continuously iterate and improve repayment flows, engagement tactics, and financial wellness features.
• Cross-Functional Leadership : Collaborate closely with Engineering, Design, Risk, Operations, Marketing, and Legal teams to define requirements, manage development sprints, and ensure successful product launches and ongoing optimization.
• Market & Competitor Analysis : Stay abreast of industry trends, competitor offerings, and regulatory changes in credit card repayment and financial wellness tools.
• Define Success Metrics : Establish clear KPIs for repayment success rates, delinquency reduction, user engagement with financial wellness tools, and customer satisfaction, tracking and reporting on progress.

Qualifications & Required Skills :

Preferred Skills :