Purpose of the job
Own the multi-product roadmap and partner strategy for Direct Installments, BNPL, and Cards. Translate business goals into compliant, high-quality product journeys across Oranges owned channels (retail, my orange, orange cash). Lead external partnerships (e.g., issuer/bank, processors, merchant partners), vendor integrations (phase 1: LMS), and commercial constructs that maximize risk-adjusted GMV, conversion, and customer satisfaction while operating under the FRA Consumer Finance Service Provider license.
Duties and Responsibilities
- Product Strategy & Roadmap
- Define and maintain the 12–18-month roadmap for Direct Installments, BNPL, and Cards, aligned with P&L targets and compliance/risk appetite.
- Prioritize epics/features via clear business cases, target metrics, and dependency maps; manage timelines and release plans.
- Journey Design & Delivery
- Own E2E customer journeys (apply decision disbursement servicing collections handoffs) across Orange channels.
- Specify functional requirements/user stories; coordinate with Tech for LMS integration and future CRM/BI/martech selections.
- Ensure accessibility, performance, and operational readiness (process, SOPs, training, SLAs).
- Business Development & Partnerships
- Source, negotiate, and manage partners (e.g., merchant/acquiring, card program partners, distribution alliances) to grow GMV and take-rate.
- Structure commercials, SLAs, data sharing, and integration plans; coordinate with Legal/Compliance.
- Pricing, Offers & Conversion
- Co-own pricing parameters (fees, discount rates, promos) with Growth & CVM, ensuring alignment to risk appetite and unit economics.
- Instrument funnels and A/B tests to improve conversion, activation, and repeat use; monitor drop-offs and rectify root causes.
- Risk, Compliance & Audit Alignment
- Embed Head of Risk Management policies (underwriting rules, scoring-engine outputs, overrides, limits) into product logic and journeys.
- Ensure regulatory compliance for all features/flows; support Compliance and Internal Audit independence (dotted line to Audit & Compliance Committee).
- Data, Metrics & Quality
- Define product KPIs, dashboards, and guardrails (e.g., approval rate vs. target loss, TAT, defect/incident rates).
- Establish post-launch monitoring, issue management, and continuous improvement cadences.
- People & Vendor Management
- Build and mentor the Product & BD team (POs and BD); set OKRs, run sprint rituals, and drive cross-functional delivery.
- Manage vendor/partner performance to SLAs; escalate and resolve delivery risks early.
Job specification
Education
- Bachelors in Business/Engineering/Information Systems/Economics.
Experience
- 5 - 8 years in financial services (bank/NBFI) and Telecoms, including leading product management for credit products (installments/BNPL/cards) and in business development/partnerships.
- Product Delivery: Proven record shipping high-impact features/journeys across web/app/retail; strong backlog/epic management and cross-functional execution.
- Partnerships:
Negotiated and managed partners (issuers, processors, merchants, channels) with measurable commercial outcomes.
- Risk & Compliance Fluency: Comfortable embedding underwriting policies outputs; experience working under regulated environments (FRA or equivalent).
- Tech & Data: Strong grasp of LMS integrations (Comviva is a plus), APIs, data contracts, and instrumentation; competency with analytics and A/B testing.
- Stakeholder:
Excellent coordination with Growth & CVM, Risk, Compliance, Retail Ops, Tech, and Legal.
- Language & Background: Arabic required; fluent English. Financial services background mandatory; telecom experience is a strong plus
