Senior Product Manager – Digital Lending, Embedded Finance & Alternative Credit Risk

Job Overview

Remote Senior Product Manager – Digital Lending, Embedded Finance & Alternative Credit Risk (Kuwait Market Focus)

Job Location: Remote (Global applicants welcome, strong preference for candidates with prior exposure to the Kuwaiti or Levantine digital finance ecosystem)

Employment Type: Full-Time – Permanent – Remote

Sector: Fintech – Consumer Lending, Digital Credit Systems, Alternative Credit Risk, Financial Inclusion

Position Overview:

We are actively searching for a Senior Product Manager with extensive experience in the development, deployment, and lifecycle management of digital credit and embedded lending solutions tailored for the financial technology environment in Kuwait. This remote-first position offers the unique opportunity to shape the infrastructure of inclusive credit models in one of the Gulf region’s most steadily maturing financial sectors.

The ideal candidate will serve as a strategic and technical bridge between executive leadership, engineering, risk, and product innovation teams—responsible for designing the next generation of AI-assisted lending products, non-traditional credit scoring algorithms, and regulatory-compliant financing flows that serve Kuwait’s underbanked retail and SME segments.

Key Areas of Ownership:

🔹 Product Strategy & Market Architecture

• Craft a robust roadmap that supports Kuwait-specific loan origination journeys, refinancing mechanisms, and tiered credit lines.

• Evaluate local borrower behaviors, consumption patterns, and historical gaps in financial inclusion using Kuwait’s digital payment and mobile wallet trends.

• Develop hybrid financing models that integrate both traditional lending and Sharia-compliant alternatives (Murabaha, Tawarruq), enabling compliance with the expectations of local banks and Islamic financial supervisors.

🔹 Lending Decision Frameworks & Risk Intelligence

• Collaborate with data science teams to build risk decision engines that fuse credit bureau data (Ci-Net), telco data, behavioral biometrics, and psychometric assessments.

• Implement A/B tested risk scoring models using tools like LightGBM, CatBoost, and reinforcement learning models where applicable.

• Lead initiatives to support thin-file borrowers through non-traditional KYC mechanisms, mobile metadata, and embedded underwriting across e-commerce platforms and digital wallets.

🔹 Cross-functional Product Engineering

• Own backlog prioritization, wireframe design, workflow automation, and modular component builds using agile sprints.

• Collaborate with backend and frontend engineers to build microservice-friendly lending APIs, intuitive borrower interfaces, and seamless repayment dashboards.

• Ensure full integration with Kuwait’s financial APIs, including Open Banking (under CBK regulations) and future-ready modular core lending systems.

🔹 Regulatory, Ethical & Partner Governance

• Translate Central Bank of Kuwait’s regulatory directives into product features that are secure, auditable, and localized.

• Build and maintain a product governance framework ensuring that AML, CDD, eKYC, and data sovereignty rules are natively embedded within the borrower onboarding flow.

• Interface directly with partner organizations, such as telecoms, digital banks, and retail super apps, to integrate financial products into non-traditional channels.

Candidate Profile:

✅ Professional Background

• Minimum 6+ years of direct experience in fintech product management, with a strong preference for candidates having launched credit/lending platforms in MENA or GCC regions.

• Demonstrated expertise managing full product lifecycles for digital loans, BNPL offerings, or SME working capital financing.

✅ Technical & Analytical Skills

• Competency in fintech API development frameworks, user flow mapping tools (Figma, Lucidchart), and data instrumentation via Segment or Mixpanel.

• Familiarity with credit bureau integrations (e.g., CRIF, Ci-Net), local anti-fraud protocols, and data engineering platforms supporting real-time risk decisions.

✅ Cultural & Linguistic Relevance

• Arabic language proficiency highly desirable but not mandatory.

• Strong understanding of Kuwait’s banking infrastructure, societal lending behavior, digital wallet usage, and microfinance challenges.

Are you excited about this opportunity?

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