Product Manager for Business Lending Team
Moscow
We build and develop products for business lending. We are looking for a Product Manager who will influence the customer experience and significantly grow business metrics.
Description
Business Lending is one of the most dynamic and profitable segments of T-Bank. We are consistently growing faster than the market, scaling products, and exceeding plans.
Product Managers in B2B lending are mini-CEOs, fully responsible for the business. The key task is to increase profits through any initiatives: product changes, tariffs, risk models, customer acquisition, etc.
Examples of our experiments:
- Launched Working Capital Loan secured by Auto — significantly influenced the user journey and interfaces.
- Changed the formula for calculating approved credit limits.
- Lowered the interest rate for a customer segment.
- Modified the rules for approving credit lines.
The team has several major areas:
- Working Capital Loan. Part of our working capital lending and our flagship product with the largest portfolio and profit. We will be looking for growth points, testing hypotheses, and continuing to scale the product at a high pace.
- External Data Sources. We are building a system that will help us quickly and accurately understand for any Russian company: whether we can issue a loan, under what conditions, and with what risk.
- Bank Guarantees. A product for entrepreneurs who work with procurement and tenders. We launched it only last year, but we already have ambitious profit goals.
- Segmented Lending. We are looking for new ways to increase customer LTV, considering the specifics of their business. We work with various segments: sellers, retail, high-income clients, and others. There is a lot of product work, discovery, and delivery ahead.
- Unified Credit Limit. We are transitioning from a product-centric approach to a client-centric one: consolidating products, re-evaluating risk calculation logic, and completely rethinking interfaces. A large transformation project with a significant impact on the entire customer credit experience.
Why it will be interesting:
— Developing products in a rapidly growing area with a real impact on business results.
— The opportunity to create products from scratch, see their impact on customers and profits.
— A team that thinks like a product owner, not an executor.
— Transparent feedback, freedom in decision-making, and support for experiments.
Responsibilities
- Manage the product lifecycle: from task setting to release and post-implementation analysis.
- Work with data and metrics.
- Identify growth points and insights from research.
- Manage stakeholder expectations.
- Conduct demos of developed features, plan, and identify product user needs.
Requirements
- You have at least 2 years of experience as a Product Manager.
- You understand product analytics and know how to make data-driven decisions.
- You understand how to build product unit economics and know what NPV and P&L are.
- You have communication skills: you will interact with related teams and report your results to all stakeholders.
- You approach tasks responsibly and know how to focus the team on the main goals.
We Offer
- Work in product teams, abundant data, a developed testing culture, and data-driven, informed, inspired approaches to decision-making.
- Work on MLPs instead of MVPs. We ensure that the product is not only viable but also loved by users.
- A strong product community: internal and external meetups, participation in conferences, sharing best practices.
- Continuous development of product culture: our own A/B testing platform, tools for working with data, collecting feedback, and conducting research, an AI center.
- Hybrid schedule and an office near the Belorusskaya metro station, which has everything you need: T-Clinic, beauty salon, fitness zones, sleep and meditation rooms. If you want to work in the fresh air, there is a terrace with a panoramic view.
- Opportunity to work in an accredited IT company.
- Voluntary medical insurance with dental care, including check-ups, reimbursement for medication purchases, and preferential insurance terms for loved ones. Also, accident and sickness insurance.
- Career growth track: take courses in soft and hard skills, develop with mentor support, and increase your level with a competency matrix and regular reviews.
- Strong community. You will work with experts in their field, share knowledge, speak at conferences, attend meetups, and write articles.
- Online consultations with psychologists, lawyers, financial specialists, and healthy lifestyle experts.
- Reimbursement for sports club memberships, the T-Sport app for online classes, and team training with colleagues.
- Breakfasts and lunches at T-Cafe. The office has a restaurant and coffee shops, and each floor has a kitchen for snacks.
- Three additional days of vacation – can be used for rest or compensated.
- Special rates on T-Bank products and a wide discount program from partners.
- Competitive salary – we will discuss it during the interview.
