Product Manager - B2C Credit

Northmill Bank is a challenger bank at the intersection of technology and finance, committed to revolutionizing the way people

manage and protect their financial well-being. We are creating a different kind of banking experience, digital yet personal.

Northmill Bank was founded in 2006 and have grown to over 240 employees in 3 countries and over 270 000 customers. We use the

latest technology to develop safe, smart, and user-friendly products for our customers. They are the sole reason why we do what we

do. We are a 100% cloud-based product company where technology is the driver to create smarter banking products.

We are looking for an experienced Product Manager – B2C Credit with a strong commercial background and proven track record in

consumer lending to take ownership of our revolving credit facility and consolidation loan products.

This role is central to the continued growth of our consumer lending business. We are looking for someone who has built, managed,

and scaled lending products in practice; not simply worked alongside them.

You will be responsible for defining the strategy and roadmap for our consumer credit products, working closely with credit risk,

analytics, marketing, technology, customer operations, and compliance. The ideal candidate understands consumer lending economics,

portfolio performance, customer behaviour, and risk management, and can balance commercial growth with responsible lending.

This is not a purely technical product role. We are specifically seeking a commercial product leader who understands consumer

lending end-to-end, from customer acquisition and underwriting through pricing, portfolio optimisation, repayments, and retention.

• Own and drive the product strategy and roadmap for Northmill's revolving credit facility and consolidation loan products, with

a clear focus on sustainable growth, customer value, and portfolio profitability.

• Continuously improve the customer journey across the entire lending lifecycle, including acquisition, application,

underwriting, activation, utilisation, repayment, and retention.

• Work closely with Credit Risk, Analytics, Finance, Marketing, Customer Operations, Compliance, and Technology to deliver

commercially successful and compliant lending products.

• Translate customer insights, market opportunities, portfolio performance, and business objectives into clear product priorities

and development initiatives.

• Monitor and optimise key commercial metrics including approval rates, utilisation, portfolio growth, repayment behaviour,

customer lifetime value, default rates, margins, and profitability.

• Identify opportunities to improve underwriting, pricing, credit limits, customer engagement, and portfolio performance using

data-driven decision making.

• Ensure products remain competitive by understanding customer needs, market trends, regulatory developments, and competitor

offerings.

• Actively engage with customers and internal stakeholders to validate product-market fit and identify opportunities for

innovation and continuous improvement.

You're a commercially minded Product Manager with a passion for building lending products that create value for both customers and

the business. You thrive in cross-functional environments, enjoy turning data and customer insights into product decisions, and

know how to balance growth, customer experience, risk, and profitability. You're comfortable challenging existing ways of working

and driving initiatives from idea to launch and continuous optimisation.

• Proven experience as a Product Manager within consumer lending, with a track record of launching, growing, and optimising

lending products.

• Excellent stakeholder management skills and the ability to collaborate across Product, Engineering, Credit Risk, Analytics,

Commercial, and Operations.