Head of Product

Cred. Pal is a leading financial technology company that offers a comprehensive range of financial solutions, including credit cards and investment opportunities, to empower individuals. Our mission is to revolutionize access to credit and investment, enabling individuals to take charge of their financial well-being. Job Title: Head of Product Department: Product & Engineering Job Type: Full Time/Hybrid Level: Senior Purpose Statement We are seeking a driven and strategic Head of Product to lead the development and expansion of retail, credit, investments, and bill payments at Cred.

Pal. In this role, you will drive innovation, optimize user experience, and scale our financial products to enhance customer engagement and revenue growth. As a key leader, you will collaborate with cross-functional teams to develop and execute product strategies , ensuring that our offerings remain at the forefront of the fintech industry.

With a deep understanding of credit services, digital payments, and financial solutions , you will spearhead initiatives that align with business objectives and market demands. This role is ideal for a visionary product leader passionate about driving impact, fostering innovation, and shaping the future of financial services.

Key Responsibilities

Product Strategy & Growth: Lead the development and execution of growth-focused product strategies across Cred. Pal’s financial ecosystem, ensuring scalability, innovation, and market expansion aligned with business goals. Product Development: Drive the entire product lifecycle from ideation and discovery through development, launch, iteration, and optimisation, ensuring strong execution and alignment with customer and business needs.

Data-Driven Decision Making: Leverage analytics, customer insights, and performance metrics to inform prioritisation, refine product offerings, improve outcomes, and enhance engagement. User Experience Optimisation: Work closely with Product Managers, UX/UI Designers, and Engineers to deliver seamless, intuitive, and high-impact customer experiences across all product touchpoints.

Cross-Functional Leadership: Collaborate effectively with Engineering, Marketing, Sales, Operations, Risk, and Compliance teams to ensure seamless execution, regulatory alignment, and strong product adoption. Go-to-Market Strategy: Define and execute go-to-market strategies that drive product adoption, revenue growth, and long-term customer retention.

Agile Implementation: Strengthen product development processes by embedding agile methodologies and best practices to improve speed, quality, and responsiveness. Market Research & Competitive Analysis: Continuously monitor market trends, user behaviour, and competitor offerings to identify opportunities and keep Cred.

Pal at the forefront of innovation. Revenue Optimisation: Identify and scale monetisation opportunities across Cred. Pal’s products while balancing customer value, risk, and long-term sustainability. Team Leadership & Culture: Build, mentor, and lead a high-performing product team, fostering a culture of ownership, innovation, collaboration, and excellence.

Requirements

Bachelor’s degree in Business, Engineering, Finance, or a related field; an MBA is a plus . 5+ years of experience in product management, with at least 3 years in a leadership role within fintech or high-growth financial services. Proven experience in building and scaling digital financial products, particularly in credit, payments, and investment solutions .

Deep understanding of credit products, retail finance, investments, and bill payments within the Nigerian market. Strong analytical skills with expertise in data-driven product decision-making. Experience in product strategy development , roadmap execution, and go-to-market planning. Expertise in agile methodologies and product lifecycle management, with experience leading cross-functional teams.

Ability to optimize user experience through UX research, A/B testing, and customer feedback integration. Knowledge of regulatory compliance and risk management in fintech and credit products. Exceptional leadership and communication skills , with a track record of driving business growth through product innovation.

Benefits

Professional development opportunities. A collaborative and inclusive work culture that fosters growth and innovation. Opportunity to work with cutting-edge products and technologies. Supportive and approachable management team dedicated to your success.