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Product Manager, Credit Automation

UncappedWarsaw, Masovian Voivodeship, Poland
Hybrid Full-time

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Experience Level

Manager

Qualifications

Who You Are 5+ years of Product Management experience with a focus on Risk: Ideally within Fintech, Lending, or Credit Risk in B2B platforms. Commercial Acumen: Profound understanding of the monetization of lending businesses and the impact of risk on profitability. Technical Literacy: Familiarity with SQL and data models; while coding is not required, comprehension of risk models and APIs is essential. Product Management: Solid grasp of agile methodologies and proven experience in managing product lifecycles.

About the job

Hybrid position based in London or Warsaw.

Role Overview

As a Product Manager for Credit Automation at Uncapped, you will be an integral part of a collaborative team comprising risk professionals, data scientists, and engineers. Your expertise will be pivotal in steering the company's growth trajectory. Positioned at the intersection of credit risk, financial engineering, and product innovation, you will deliver advanced, data-driven credit solutions, including decision engines, cutting-edge risk models, and real-time credit management tools throughout the customer lifecycle.

About Uncapped

Founded in 2019, Uncapped is a pioneering fintech firm dedicated to providing working capital to SMEs across North America and Europe. We harness a multitude of data sources to expedite credit decisions, enhancing safety and convenience. Partnering with leading platforms like Amazon and Walmart, we aspire to become the premier alternative lender globally.

Your Responsibilities

  • Product Risk Leadership: Serve as the bridge between Data Scientists, Credit Risk Managers, and Engineers to transform complex data into production-ready features.
  • Risk Strategy & Roadmap: Design and co-manage the risk product vision, prioritize high-impact features, and oversee the strategic roadmap.
  • Data Integration: Identify and incorporate new data sources (e.g., banking APIs, marketing spend data, e-commerce platform insights) to enhance the accuracy of credit decisioning.
  • Risk Engine Ownership: Direct the strategy and roadmap for Uncapped’s risk engine, which includes an automated decision engine and underwriting tools for manual decisions, enabling quick application processing.
  • Monitoring & Recovery: Develop products and dashboards that provide real-time insights into portfolio health and automate early-warning signals for potential defaults.
  • Customer Friction Reduction: Ensure a seamless user experience without compromising on due diligence, balancing the need for thorough risk assessment with the drive for growth.

Who You Are

  • 5+ years of Product Management experience with a focus on Risk: Ideally within Fintech, Lending, or Credit Risk in B2B platforms.
  • Commercial Acumen: Profound understanding of the monetization of lending businesses and the impact of risk on profitability.
  • Technical Literacy: Familiarity with SQL and data models; while coding is not required, comprehension of risk models and APIs is essential.
  • Product Management: Solid grasp of agile methodologies and proven experience in managing product lifecycles.

About Uncapped

Uncapped is an innovative fintech company established in 2019, dedicated to empowering SMEs with swift access to working capital across North America and Europe. By utilizing diverse data sources, we expedite and improve the credit decision-making process, collaborating with major global platforms such as Amazon and Walmart to set new standards in alternative lending.

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