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

About VEXCASH AG

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.

Position

Product Manager (Berlin or freelancer in Germany)

Responsibilities

• Funnel Management & Conversion: 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 and 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.
• 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

Lead cross-functional collaboration to deliver product initiatives.

Qualifications

• 4+ years of Product Management experience.
• 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.
• Confident and practical English language skills; German is an advantage.

• 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

• Deutschlandticket on a 100 % basis (employees only).
• Membership of Urban Sports (employees only).
• Fresh fruit baskets, hot and cold drinks in the office.
• International, dynamic, committed and supportive team.
• Office located next to Berlin’s main railway station Hauptbahnhof, designed as a co‑working space.
• Hybrid working arrangements.
• Opportunities for personal and professional development.
• Secure job in a company that has enjoyed steady success since its foundation in 2011.