Product Manager

Job Description

Kredete is a financial technology company building modern financial infrastructure for global money movement. We help businesses and individuals move money instantly across borders, and access financial products designed for a globally connected world. We are looking for a Product Manager to own the development, performance, and scale of a portfolio of our banking and financial products.

Key Responsibilities

• Set up banking products, defining product rules, limits, pricing, transaction flows, controls, operational processes, and partner requirements.
• Own the end-to-end strategy and lifecycle of a portfolio of banking and financial products, from opportunity identification and development through launch, commercialization, growth, optimization, and retention.
• Own the commercial and financial performance of your products, including transaction volumes, revenue, pricing, unit economics, costs, margins, and profitability; use performance data to determine where to invest, optimize, reposition, scale, or retire products.
• Develop and execute the long-term strategy for expanding products into new African and international markets, assessing the regulatory, commercial, operational, technical, and customer requirements for successful market entry and scale.
• Work directly with clients to understand complex financial use cases and transaction flows, and partner with Legal, Compliance, Risk, and Operations to determine and establish compliant frameworks for supporting them.
• Maintain a strong understanding of applicable banking regulations, compliance requirements, legal frameworks, and risk considerations, and incorporate them into product decisions, development, and market expansion.
• Work cross-functionally with Engineering/IT, Finance, Legal, Compliance, Risk, Operations, Sales, Marketing, and other teams to translate business and customer needs into clear product requirements, customer journeys, controls, edge cases, execution plans, and successful commercialization.
• Work directly with regulators, payment networks, processors, technology providers, and other financial partners to develop, integrate, and launch new products and capabilities.
• Understand the end-to-end movement of money across your products, including transaction processing, settlement, reconciliation, exceptions, reversals, refunds, and failure scenarios, and ensure these flows operate reliably at scale.
• Identify product, operational, technical, regulatory, commercial, or partner bottlenecks and take ownership of understanding the root cause and driving them to resolution.
• Use financial, transaction, operational, customer, and market data to continuously evaluate product performance, identify gaps and opportunities, and drive measurable improvements in adoption, reliability, customer experience, and profitability.
• Anticipate shifts in customer needs, markets, regulation, technology, and competition to determine what the product needs next and drive its long-term evolution, competitiveness, and scale.

Key Requirements

• 3-5 years of relevant experience in product management, product development within banking, fintech, payments, or financial services, with direct ownership of banking or financial products through development, commercialization, and scale.
• Bachelor’s degree in Banking & Finance, Economics, Business, Computer Science, Engineering, or a related discipline. A relevant Master’s degree is an advantage.
• Relevant professional certifications such as ACIB/CIBN or FRM, or equivalent banking, finance, risk, or investment qualifications are an advantage but not required..
• Product or Agile certifications such as CSPO, PSPO, SAFe Product Owner/Product Manager, or Pragmatic Institute are beneficial but not a substitute for demonstrated banking and product execution experience.
• Strong commercial and financial management experience, including product P&L ownership, financial modelling, pricing, unit economics, revenue forecasting, cost management, and profitability analysis with relevant tools.
• Strong knowledge of banking risk, credit, compliance, and regulatory frameworks, including KYC/KYB, AML, transaction monitoring, sanctions, consumer protection, data/privacy requirements, and the regulatory considerations involved in launching and operating financial products.