Senior Product Manager – SME Lending, Credit Programs

<b>About Finom</b><br/>Finom is a European tech startup headquartered in Amsterdam—and we’re on a journey towards revolutionizing the financial landscape for entrepreneurs worldwide. Our mission is to develop an all-in-one financial B2B solution that integrates banking functions, accounting, financial management, and invoicing into a seamless, mobile-first platform.<br/>Over the past two years, our team has fuelled exponential growth, securing $50 million in investments and propelling us into hyper-growth mode. We’re on track to become a unicorn start-up, backed by global funds like General Catalyst (known for supporting Airbnb, HubSpot, KAYAK, and Stripe). Finom has expanded its reach across 10+ EU countries, with a strong presence in key markets like Germany and France.<br/>At Finom, we’re not just redefining the entrepreneurial experience—we’re empowering our employees to make a real difference. Your work matters, and your impact extends far beyond product metrics. We nurture innovation and an inspiring work environment where bold ideas thrive, prioritizing thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and our business as a whole.<br/>Maintaining our start-up spirit, we prioritize thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and, of course, our business.<br/>SMEs are the backbone of the European economy, generating over half of its gross value added. Yet securing funding remains a significant hurdle for entrepreneurs. Despite typically holding lower levels of debt, they’re disproportionately declined for loans and credit cards. That doesn’t seem fair, does it? We’re here to change that.Instead of traditional risk assessment procedures that often favor larger enterprises and overlook small businesses and freelancers, we utilize advanced, AI-powered analysis to evaluate the real-time performance of our clients' businesses, providing every entrepreneur a fair chance.<br/>As the <b>Senior Product Manager</b>, you’ll step into a unique opportunity: not only will you develop innovative product features and drive performance improvements, but you'll also lead the expansion into new markets, products, and customer segments. Once launched, you'll take full ownership of one of these programs.Ready to make a difference in the lives of thousands of entrepreneurs? Let’s build it together.<br/>Working format:<b>Cyprus</b>: Relocation package is provided.<b>Spain:</b> we are only able to hire candidates who possess a <b>DNI</b> (for Spanish nationals) or an <b>NIE</b> (for foreign nationals). Relocation support is not provided.<b>Poland:</b> employment will be under '<b>Umowa o Pracę</b>' (<b>UoP</b>). Relocation support is not provided. <h3>What You’ll Be Doing</h3> <ul> <li><b>New Launches</b>: Lead the rollout of new markets, products, and customer segments within credit programs. Post-launch, take full ownership of one of these initiatives and lead it to long-term success.</li><li><b>Strategic Product Planning</b>: Shape go-to-market strategies and define clear, actionable roadmaps to guide the development and continuous enhancement of credit offerings.</li><li><b>Market Research &amp; Customer Development</b>: Conduct in-depth research into the competitive landscape, market conditions, and evolving customer needs to inform product vision and strategy.</li><li><b>User Journey Optimization</b>: Generate and validate hypotheses to build seamless, customer-centric experiences — all while ensuring alignment with regulatory requirements and business goals.</li><li><b>Data-informed Decision Making</b>: Leverage analytics to monitor and improve KPIs, validating decisions through testing and user insights.</li><li><b>Cross-Functional Leadership</b>: Collaborate closely with cross-functional stakeholders (including Engineering, Data Science &amp; Analytics, Marketing, Sales, Legal, Financial Crime, etc.) as well as external partners to ensure aligned execution and successful delivery.</li></ul> <h3>Who You Are</h3> <ul> <li>You bring <b>5+ years</b> of product management experience, ideally in consumer-facing digital products, with a proven track record of delivering impactful solutions for business customers, particularly in lending or financial services.</li><li>You live and breathe customer needs, using frameworks like <b>Jobs to Be Done</b> to uncover the real problems business owners face. You’re relentless about conducting customer interviews, synthesizing insights, and translating them into products that solve pain points and delight users.</li><li>You’re a master of product craft, excelling at defining and prioritizing strategic roadmaps that balance customer value with business goals. You shape clear, user-focused requirements, iterate through hypotheses, and validate solutions with data and user feedback to ensure every feature hits the mar