Product Manager (all genders) (Consumer Lending / BNPL / Installment Loans)

VEXCASH AG is Germany’s leading online provider of short-term loans. We offer our customers a quick and straightforward solution to tide them over until their next payday. More than 800,000 customers already trust our service. Thanks to our innovative approach, they can secure financial liquidity without having to commit to a long-term arrangement.

## Aufgaben

Due to our continued success, we are currently looking for a Product Manager employed in Berlin or as a freelancer in germany.

.Your tasks

• Product Strategy & Revenue
• Funnel Management & Conversion
• Risk Management Through Product

• Work with Risk Department to manage portfolio quality while keeping strong commercial domain.
• Build segmentation that reflects both profitability and default rate.
• Support decisions that balance growth, approvals, risk, and long-term value.
• Align offer and decisioning logic with responsible lending principles

• Retention & Lifetime Value
• Unit Economics & Profitability
• Compliance, Legal & Regulatory

• Ensure product design and communication comply with consumer lending laws.
• Keep a clear distinction between mandatory and voluntary product elements.
• Work with Legal and Compliance on new launches, changes, and disclosures.
• Analyze product complaints from customers, partner banks, and regulators and turn them into improvements

• Analytics & Experimentation
• Lead product analytics across funnel, approval, conversion, take-up, retention, revenue, and profit.
• Design and run A/B tests to improve conversion and customer lifetime value.
• Build business cases and review post-launch performance.
• Use data to find friction points and prioritize opportunities
• Cross-Functional Leadership

## Qualifikation

Your skills

Required Experience:

• 4+ years of Product Management experience.
• Experience in digital consumer lending.
• Strong understanding of lending products, customer acquisition funnels, and credit risk concepts.
• Experience working with data-driven decision making.
• Proven track record of launching and scaling digital financial products.
• Strong analytical skills and ability to work with product and portfolio metrics.
• You have confident and practical English language skills, German would be an advantage

Preferred Qualifications:

• Experience in subprime lending or near-prime consumer finance.
• Understanding of underwriting, credit scoring, fraud prevention, and collections processes.
• Knowledge of German and EU consumer lending regulations.
• Familiarity with SQL, BI tools, and product analytics platforms

## Benefits

What we offer

• We currently offer the Deutschlandticket on a 100% basis (available to employees only)
• We currently offer membership of Urban Sports (available to employees only)
• Fresh fruit baskets, hot and cold drinks in our office
• An international, dynamic, committed and supportive team
• An office located right next to Berlin’s main railway station Hauptbahnhof, designed in the style of a co-working space
• Hybrid Working
• Opportunities for personal and professional development
• A secure job in a company that has enjoyed a steady success story since its foundation in 2011

If you are motivated and want to be part of our success story, then send your CV right away. If you hesitate, it’s your own fault!