Trusting Social is building mass-market credit products that are accessible, responsible, and scalable. We are looking for a (Senior) Product Developement Specialist to work closely with the Product Manager in driving research, development, monitoring, and continuous improvement of unsecured cash loan/installment products.

This role focuses on improving end-to-end lending product performance, generating data-driven initiatives, and enhancing customer lifetime profitability — while maintaining affordable pricing for the mass segment and balancing growth, risk, and unit economics.

What You'll Do

1. Product Discovery & Research

• Conduct focused market, competitors research and customer interview to identify high-impact opportunities for unsecured cash loan/installment products.
• Understand key drivers across pricing, approval logic, customer experience, and monetization.
• Define target segments (mass/upper-mass), customer needs, use-cases, and key adoption barriers.
• Convert insights into clear business cases: demand and penetration potential, unit economics, growth–risk trade-offs and rollout hypotheses.

2. Product Design & Development

• Define core unsecured credit product: including eligibility criteria, credit limits, tenors, repayment structures, pricing/fees, disbursement flow, and customer communication framework.
• Translate product design into clear product documentation — PRDs, business rules, user journeys, and experiment specs.
• Work with Risk/Credit, Data Science, Engineering, Ops, Compliance, Collections, and Partnerships to deliver features and improvements from concept to successful launch.

3. Monitoring, Insights & Optimization

• Own end-to-end lending KPIs, including conversion rate, disbursement, utilization, repayment, risk (FPD/DPD, roll rates, loss, fraud), and unit economics (profit margin, CAC/LTV).
• Drive root-cause analysis for funnel drop-offs, risk drift, fraud patterns, or operational bottlenecks; implement fixes with measurable outcomes.
• Run test-and-learn cycles (A/B testing, cohort analysis,  … ) to optimize pricing, limits, underwriting, and customer experience.

4. Execution Reliability & Cross-functional Governance

• Plan releases and coordinate UAT, rollout, incident response, and post-launch reviews.
• Ensure operational readiness: SOP alignment, exception handling, customer support playbooks, and compliance checks.
• Provide clear weekly/monthly performance updates and decision memos for leadership.

How This Role Reflects Our Core Values

Extreme Ownership

• You take full responsibility for the health of assigned products, not just individual tasks.
• You proactively identify issues, drive them to resolution, and follow through until outcomes improve.

Insight Driven

• You rely on data and evidence to prioritize problems and propose improvements.
• You are comfortable working with numbers, trends, and root-cause analysis—not just anecdotes.

Mindfulness

• You communicate clearly and calmly across teams, especially during incidents.
• You listen carefully to partners, customers, and internal teams to understand real constraints before acting.

Audacity

• You challenge inefficient processes and outdated assumptions.
• You are willing to propose better ways of working, experiment with improvements, and learn from failures.

What We're Looking For

• 2–5+ years of experience in lending product/fintech product/consumer  finance, with hands-on exposure to unsecured cash loan or installment products.
• Strong analytical skills: KPI design, funnel/cohort analysis, unit economics; strong Excel/Sheets; SQL is a must, R/Python is a plus.
• Ability to write clear PRDs and translate business/risk needs into actionable requirements.
• Strong cross-functional execution with Engineering, Risk, DS, Ops, Compliance, Collections, and external partners.
• Comfort operating in ambiguity; bias to action; high accountability.

Nice to have

• Experience with underwriting/policy design, pricing optimization, credit lifecycle management, fraud prevention, or collections strategy. 
• Experience scaling products through partner distribution or embedded finance channels.

Growth Path

This role can progress into:

• Associate Product Manager / Product Manager
• Product Strategy Associate – Lending
• Product Strategy / Credit Growth

Growth is driven by ownership, insight quality, and measurable impact—not tenure.