Senior Product Manager - Credit
LemFi is a fintech company reshaping how immigrants move money globally. It offers international money transfers, multi-currency wallets, request money, and eSIM products, serving immigrants sending money back home to family across more than 30 countries.
Funding
Investors
Projects
About LemFi
LemFi provides international payment products designed to help immigrants thrive financially. Its core offering is international money transfer, allowing customers to send money to more than 30+ countries, often with low or zero transfer fees and competitive exchange rates, with transfers usually arriving within minutes. The company also offers multi-currency wallets, a request money feature for sending payment requests or sharing payment links, and an eSIM product for connectivity while traveling. LemFi primarily serves immigrants and global migrants who need reliable, low-cost ways to send money to loved ones back home via bank accounts, mobile money, and other channels. The company has over 1,000,000 customers and a team of 200+ people globally, and has been featured in the news for raising $33 million in funding, partnering with Visa on cross-border payments, and working with ClearBank for agency banking services.
Skills
About the Role
You'll own the roadmap that scales LemFi's fastest-growing pillar, Credit. You'll set sharp priorities, turn portfolio insight into shippable outcomes, and make commercial trade-offs between growth, risk, customer experience, and unit economics. You'll work shoulder-to-shoulder with engineering, risk, decision science, and commercial teams, living in the data yourself rather than waiting for someone else to interpret it. This is hands-on work for someone who understands that running a credit product means managing a live portfolio with real money at stake, not just shipping features.
Requirements
- 5+ years of product management in consumer credit, lending or fintech, with hands-on exposure to managing a live lending portfolio
- Prior experience in credit risk, marketing analytics, finance or data science
- Strong commercial instinct, fluent in unit economics, loss rates, conversion funnels and vintage performance
- SQL fluency or equivalent
- Demonstrable track record using AI tools to drive efficiency, quality and delivery speed
- Track record of owning a roadmap and shipping outcomes that moved meaningful business metrics
- Strong cross-functional stakeholder management across risk, engineering, operations and commercial
- Familiarity with credit decisioning, scorecards or decision engines (nice to have)
- Experience scaling a credit product from early stage through rapid growth (nice to have)
Responsibilities
- Set sharp priorities across your product area, balancing growth, risk, customer experience and unit economics
- Get into the detail of portfolio performance and convert that insight into product changes that move conversion, loss rates, activation and retention
- Use AI deliberately to remove friction from internal workflows, speed up discovery and prototyping, and unlock product experiences that wouldn't otherwise be economic to build
- Work shoulder-to-shoulder with engineering on requirements, edge cases, QA and launch
- Partner with the Credit Product Lead to deliver end-to-end across acquisition, underwriting, servicing and collections
- Keep Credit Risk, Decision Science, Operations, Compliance and Commercial aligned and bought in while protecting the team's focus
- Track KPIs across acquisition, penetration, retention, loss and unit economics and communicate results and trade-offs to leadership