Product Manager - SME Lending Lead

This Product Manager role focuses on the SME lending vertical within a fintech platform. You will manage the end-to-end lifecycle of digital lending products specifically tailored for B2B clients.

What you’d own

SME Digital Lending product lifecycle
Risk models, approval flows, and credit decision logic
Acquisition and distribution channels
Portfolio growth and unit economics

Who it’s for

A fit if you…

✓You have 4-7 years of experience in product management.
✓You have a background in B2B or SME lending products.
✓You possess deep knowledge of risk frameworks, scoring, and underwriting.

Not for you if…

✗You prefer long lead times (outcomes are expected within 6-8 weeks).
✗You prefer a generalist role without specific focus on credit logic or risk.
✗You prefer a non-contract employment structure.

Reading between the lines

The requirement for 'tangible outcomes' in under two months suggests a high-pressure environment with immediate expectations.
The emphasis on 'adapting international practices' implies you will need to localize global standards for local market nuances.

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Benefits

BonusPTO

Full job description

We are scaling our SME Lending direction and looking for a Product Manager - Lending Lead who can own the product end-to-end and drive measurable growth from day one. This role requires someone hands-on, data-driven, and commercially sharp — with real experience in building and scaling digital lending products for B2B / SME clients. We expect first tangible outcomes within 6–8 weeks . What You’ll Do Own the SME Digital Lending product lifecycle end-to-end Improve risk models, approval flows, and credit decision logic Optimize acquisition and distribution channels Drive portfolio growth while balancing risk and profitability Prioritize based on data, unit economics, and business impact Work closely with Risk, Data, Engineering, Operations, and Commercial teams Adapt proven international lending practices to the Nigerian market Requirements 4–7 years of Product Management experience Strong background in lending for SME / B2B clients Experience in international markets (Europe, LatAm, SEA, USA, UK, Russia, etc.)

Solid understanding of risk frameworks, scoring, underwriting, and portfolio metrics Proven track record of scaling lending products Strong stakeholder management skills Highly data-driven decision-making approach Fluent English Benefits Remote work from anywhere in the world Performance bonus, 25+ paid vacations and day-offs, personal development plan Purpose: shape the future of fintech in Nigeria with products that reach millions, backed by a competitive salary Growth: thrive in a fast paced work environment with flexibility, collaboration, and access to cutting-edge tools Join a diverse, inclusive team where all voices are valued, and professional growth is a priority.

About Renmoney

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Renmoney is a Nigerian digital finance app that combines personal and business loans, savings, bill payments, and a free debit card. It says it serves more than 3 million customers, has processed over 2 trillion naira in transactions, and has operated for 14 years. The company is licensed and regulated by the Central Bank of Nigeria, and deposits are NDIC insured. It began as a simple lending product and has grown into a full banking app, which gives PMs a broad set of consumer fintech products to shape.

Financial Services & Fintech