Product Manager — Banking & Financial Products

AI summary

Kredete Limited is hiring a Product Manager to own the end-to-end strategy, performance, and scale of a portfolio of banking and financial products. The role requires working across engineering, design, operations, compliance, finance, and external banking partners to build reliable, scalable financial experiences across African and international markets.

• Owns full product lifecycle from opportunity identification to launch, growth, and optimization
• Works directly with regulators, payment networks, and financial partners
• Requires understanding of complex banking systems and money movement
• Focus on expanding products into new African and international markets
• Measured on clear quarterly and annual KPIs across product and customer metrics

Original source description

Your responsibility does not end when a feature ships. You own whether it works, whether customers use it, whether operations can support it, and whether it delivers the expected business outcome. You will work across engineering, design, operations, compliance, finance, and external banking and payment partners. You will be expected to understand how money moves through the platform, how the underlying systems work, where things can break, and what needs to be done to build a reliable banking experience: at scale. We are looking for a Product Manager to own the development, performance, and scale of a portfolio of our banking and financial products. This is not a traditional Product Manager role. We need a builder and problem solver who can operate in ambiguity, understand complex banking systems, and take full ownership of turning ideas and complex problems into products that can operate and scale. What you'll do Anticipate shifts in customer needs, markets, regulation, technology, and competition to determine what the product needs next and drive its long-term evolution, competitiveness, and scale. Develop and execute the long-term strategy for expanding products into new African and international markets, assessing the regulatory, commercial, operational, technical, and customer requirements: for successful market entry and scale. Own the end-to-end strategy and lifecycle of a portfolio of banking and financial products, from opportunity identification and development through launch, commercialization, growth, optimization, and retention. Set up banking products, defining product rules, limits, pricing, transaction flows, controls, operational processes, and partner requirements. Own the commercial and financial performance of your products, including transaction volumes, revenue, pricing, unit economics, costs, margins, and profitability; use performance data to determine where to invest, optimize, reposition, scale, or retire products. Work directly with regulators, payment networks, processors, technology providers, and other financial partners to develop, integrate, and launch new products and capabilities. Use financial, transaction, operational, customer, and market data to continuously evaluate product performance, identify gaps and opportunities, and drive measurable improvements in adoption, reliability, customer experience, and profitability. Maintain a strong understanding of applicable banking regulations, compliance requirements, legal frameworks, and risk considerations, and incorporate them into product decisions, development, and market expansion. Understand the end-to-end movement of money across your products, including transaction processing, settlement, reconciliation, exceptions, reversals, refunds, and failure scenarios, and ensure these flows operate reliably at scale. Identify product, operational, technical, regulatory, commercial, or partner bottlenecks and take ownership of understanding the root cause and driving them to resolution. Work cross-functionally with Engineering/IT, Finance, Legal, Compliance, Risk, Operations, Sales, Marketing, and other teams to translate business and customer needs into clear product requirements, customer journeys, controls, edge cases, execution plans, and successful commercialization. Work directly with clients to understand complex financial use cases and transaction flows, and partner with Legal, Compliance, Risk, and Operations to determine and establish compliant frameworks for supporting them. KPIs You’ll Own Success will be measured against clear quarterly and annual targets across six areas: Product & Operational Performance: Maintain agreed targets for transaction success rates, processing and settlement times, reconciliation accuracy, platform/partner reliability, exception rates, refunds, reversals, and manual intervention. Customer Experience: & Market Performance: Improve defined customer experience: and retention metrics each quarter, using customer behavior, complaints, support trends, competitor performance, and market data to identify and resolve measurable product gaps. Revenue, Profitability & P&L: Deliver agreed revenue, gross margin, cost-to-serve, and product profitability targets, with monthly performance tracking and corrective actions for material variances. Market Expansion & Commercialization: Deliver agreed annual and quarterly milestones for new markets, currencies, payment rails, client use cases, and banking capabilities, from regulatory and operational readiness through launch and measurable adoption. Product Evolution & Future Growth: Maintain and execute a rolling product roadmap informed by product performance, customer needs, market shifts, regulatory changes, and emerging technologies, with measurable quarterly outcomes tied to new revenue opportunities, efficiency improvements, competitive positioning, or long-term scale. Transaction Growth & Product Usage: Deliver quarterly targets for transaction value, transaction volume, active customers, product adoption, usage frequency, and retention across the products you own. Qualifications A relevant Master’s degree is an advantage. Product or Agile certifications such as CSPO, PSPO, SAFe Product Owner/Product Manager, or Pragmatic Institute are beneficial but not a substitute for demonstrated banking and product execution experience. Bachelor’s Degree in Banking & Finance, Economics, Business, Computer Science, Engineering, or a related discipline. Strong knowledge of banking risk, credit, compliance, and regulatory frameworks, including KYC/KYB, AML, transaction monitoring, sanctions, consumer protection, data/privacy requirements, and the regulatory considerations involved in launching and operating financial products. Strong commercial and financial management experience, including product P&L ownership, financial modelling, pricing, unit economics, revenue forecasting, cost management, and profitability analysis with relevant tools. Relevant professional certifications such as ACIB/CIBN or FRM, or equivalent banking, finance, risk, or investment qualifications are an advantage but not required.. 3 - 5 years of relevant experience: in product management, product development within banking, fintech, payments, or financial services, with direct ownership of banking or financial products through development, commercialization, and scale. This Role Is Probably Not for You If: You need clearly defined problems, detailed instructions, or established playbooks before you can make progress. You are uncomfortable owning the commercial performance of a product, including revenue, pricing, costs, profitability, transaction growth, and customer economics. You rely on Engineering, Operations, Compliance, Risk, or Legal to do the deeper thinking for you rather than understanding the technical, operational, financial, and regulatory implications of your product. You see Product Management primarily as writing PRDs, managing backlogs, running ceremonies, and coordinating delivery rather than owning outcomes. You are primarily focused on today's requirements: rather than anticipating how customer needs, markets, regulation, technology, and competition will shape what the product needs to become next. You consider your responsibility complete at launch or accept “blocked,” “not possible,” or “not my responsibility” without investigating the constraint and driving a path forward. How to Apply Interested and qualified candidates should: Click here to apply online Interview Process Final Interview — Conversation with leadership focused on ownership, judgment, and overall fit. Talent Screening — Introductory conversation about your experience: and fit for the role. Product & Banking Interview — Discussion with the Head of Product covering such as product experience, banking knowledge, and problem-solving. Case Study & Presentation — Practical scenario assessing product thinking, execution, commercial judgment, and regulatory considerations. View all Jobs in Nigeria Lagos State