Consumer Finance Product Lead

We are looking for a Consumer Finance Product Lead for a great multinational company.

About the role

The Consumer Finance Product Lead is a new position focused on the development and management of the Spanish Consumer Finance business. This role will be critical in supporting the transformation of the company into a renewables and home infrastructure provider.

The role will have primary accountability for developing and managing the Spanish Consumer Finance product range, ensuring products are aligned to consumer needs, meet commercial expectations, and support the company’s installation/distribution businesses.

This exciting opportunity will allow the role holder to help build a new Consumer Finance business within the Spanish HVAC market, which offers similar opportunities and challenges to working within the Fintech sector.

The role will report to the CFO.

RESPONSIBILITIES

1. Developing new consumer finance propositions from inception to launch utilizing the Consumer Finance EMEA platform. Significant collaboration with EMEA Product, Risk, and Tech teams will be required during this process.
2. Once the initial business launch phase is complete, the Product Lead will own and manage the complete product lifecycle from customer acquisition, in-life management, to product portfolio management. This includes developing proposals for new products/product variants, reviewing existing products, and pricing.
3. Responsibility for product pricing is within this role, requiring a good understanding of the key commercial drivers of the product.
4. Refine and improve the customer experience by identifying and delivering customer journey enhancements for installers and end consumers.
5. Development and ownership of key product and customer performance metrics (KPIs, Risk appetite, Success Criteria, etc.) and the metrics required to measure success.
6. Develop strong working relationships across various teams (including EMEA Credit and Product) as well as with external partners that are crucial to the successful delivery of the products.
7. Embed a culture of customer-first within the business, emphasizing understanding customer needs and satisfaction, including developing appropriate measures (NPS, CSAT, CES, survey capability) and customer segmentation, along with third-party research.
8. Build a strong compliance culture ensuring products, product governance, product and customer processes, and supporting policies are compliant with applicable Spanish consumer finance regulations.
9. Monitor competitor and market developments in the fast-moving areas of renewables, consumer finance, and Heating as a Service.

KNOWLEDGE, SKILLS & ATTRIBUTES TO BE CONSIDERED

1. Experienced as a Senior Product Manager within the Spanish market with Consumer Finance experience, preferably within Point of Sale. Regulated (POS Consumer Loans) or unregulated lending experience are both applicable.
2. Experience in developing and pricing new consumer finance propositions, including working on consumer lending customer contracts.
3. Good understanding of customer and consumer lending regulatory requirements and compliance standards within the Spanish market.
4. Fluent in English and Spanish (written and spoken).
5. Experience managing stakeholders to deliver required changes, as well as supporting key strategic projects with a hands-on approach, including producing business requirements and assessing testing results.
6. Experience working with and managing third-party suppliers, partners, and/or distribution channels.
7. Strong analytical and problem-solving skills with hands-on analytical experience (proficient in Excel as a minimum).

WHAT WE CAN OFFER :

Career opportunity : Responsible for developing and launching a new Consumer Finance proposition within the Spanish market. You will gain direct and indirect reports as the business scales in Spain.

Competitive remuneration (fixed part and a bonus related to your performance) + flexible remuneration advantages + home office available.