Trusting Social ★ 3.7

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

• 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.
• 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.
• 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.
• 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.

What We Offer

Join our vibrant team and enjoy:

• Competitive compensation package, including 13th-month salary and performance bonuses
• Comprehensive health care coverage for you and your dependents
• Generous leave policies, including annual leave, sick leave, and flexible work hours
• Convenient central district 1 office location, next to a future metro station
• Onsite lunch with multiple options, including vegetarian
• Grab for work allowance and fully equipped workstations
• Fun and engaging team building activities, sponsored sports clubs, and happy hour every Thursday
• Unlimited free coffee, tea, snacks, and fruit to keep you energized
• An opportunity to make a social impact by helping to democratize credit access in emerging markets
  
  

At Trusting Social, we live by ownership, integrity, and agility in execution. We believe in doing what's right, what's best, and what's innovative. If you're smart, driven, and want to make a difference in the world with the most advanced and fascinating technology, we invite you to be part of our rockstar team!

For more information about us, please visit our website: https://www.youtube.com/watch?v=inAEDGvOcL8&t=29s