Role Overview
FinChoice and PayJustNow are building scalable, customer-centric financial products at pace. As we grow, our Credit Risk and Fraud platforms are critical to protecting customers and the business while enabling responsible lending at scale.
We're looking for a Product Manager to own and drive the roadmap for Credit Risk & Fraud. This role focuses on how we assess creditworthiness, detect and prevent fraud, automate decisioning, and continuously improve model and policy performance — all while balancing risk appetite with customer experience.
You'll lead product strategy and delivery across credit decisioning, fraud detection and prevention, identity verification, and risk operations tooling — with a strong bias toward measurable impact: reduced losses, faster decisioning, improved approval rates, and lower fraud rates.
This role works closely with Engineering, Data Science, Risk, Compliance, Operations, and Commercial teams.
What You'll Be Responsible For
Product Strategy & Roadmap
Own the product vision and roadmap for Credit Risk & Fraud at FinChoice.
Define clear product outcomes aligned to business goals such as portfolio quality, fraud loss reduction, decisioning speed, and regulatory compliance.
Identify and prioritise opportunities across credit scoring, policy automation, fraud signals, and identity verification.
Balance tactical risk controls with longer-term platform and model capability investments.
Discovery & Problem Definition
Build a deep understanding of the credit lifecycle, fraud typologies, and the operational constraints that shape risk decisions.
Collaborate with Data Science and Risk teams to understand model performance, policy gaps, and emerging fraud patterns.
Use data and insights to identify root causes of fraud losses, bad debt, manual review bottlenecks, and false positive rates.
Frame problems clearly and validate solutions before committing to build.
Delivery & Execution
Lead cross-functional delivery squads from problem definition through to launch and optimisation.
Produce high-quality product briefs, PRDs, and outcome-focused backlogs.
Partner closely with Engineering and Data Science to design scalable, secure, and explainable solutions.
Manage dependencies across internal platforms, data vendors, bureau integrations, and compliance teams.
Stakeholder Collaboration
Act as the primary product partner for Risk, Fraud, Collections, and Compliance leadership.
Communicate trade-offs, progress, and impact clearly to senior stakeholders and the Risk Committee where relevant.
Align multiple teams around shared outcomes in a complex, regulated operating environment.
Build trust by delivering improvements that materially reduce risk exposure and improve decisioning quality.
Measurement & Continuous Improvement
Define and track success metrics such as:
Credit loss rate and arrears performance
Fraud detection rate and false positive rate
Straight-through processing (STP) and auto-decisioning rates
Application approval and decline rates by segment
Manual review volumes and queue throughput
Time-to-decision and customer drop-off rates
Use data to evaluate outcomes post-launch and iterate continuously.
Champion continuous improvement and pragmatic experimentation across risk policies and fraud rules.
First 90 Days — What Success Looks Like
First 30 Days: Understand & Connect
Build strong relationships with Risk, Fraud, Data Science, Engineering, Compliance, and Operations stakeholders.
Get hands-on with existing decisioning systems, fraud tooling, and credit policy frameworks.
Review current model performance, fraud trends, and known gaps in detection or prevention capability.
Review the current roadmap, in-flight initiatives, and vendor landscape.
Develop a clear view of key risk metrics and baseline performance.
Days 31 - 60: Shape & Prioritise
Clearly articulate the problem space and opportunity areas across credit risk and fraud.
Validate and refine the roadmap with stakeholders based on impact, risk appetite, and feasibility.
Define measurable outcomes and success metrics for priority initiatives.
Identify quick wins — such as rule improvements or signal additions — and longer-term platform opportunities.
Align delivery teams around a shared plan and priorities.
Days 61 - 90: Deliver & Lead
Drive delivery of at least one meaningful risk or fraud improvement into production.
Demonstrate early impact through data, reduced losses, or improved decisioning performance.
Establish a strong operating rhythm with Data Science, Engineering, and stakeholders.
Clearly communicate progress, learnings, and next priorities.
Be recognised as the go-to product owner for Credit Risk & Fraud.
What We're Looking For
Experience
5+ years' experience as a Product Manager in complex, data-intensive environments.
Proven track record owning and delivering outcomes in risk, fraud, or financial services product areas.
Experience with credit decisioning systems, fraud detection platforms, identity verification tools, or bureau integrations.
Comfortable working in regulated environments — fintech or consumer lending experience is a strong advantage.
Familiarity with machine learning model deployment, policy rule engines, or decisioning infrastructure is highly desirable.
Skills & Strengths
Strong analytical thinker who can turn complex risk data into clear product direction.
Excellent prioritisation skills with a focus on risk-adjusted business and customer outcomes.
Data-driven decision-maker who is comfortable with model performance metrics, scorecards, and statistical concepts.
Confident communicator who can engage technical teams, risk specialists, and senior leaders alike.
Able to influence without authority and navigate competing priorities across risk appetite, customer experience, and commercial growth.
Mindset
Risk-aware and customer-conscious — you understand that good risk management enables better customer outcomes.
Pragmatic and delivery-focused — you know when progress beats perfection.
Curious about AI, machine learning, and how emerging fraud patterns and data signals can improve detection and decisioning.
Comfortable operating in fast-moving, evolving environments where the threat landscape changes quickly.
Closing Date 10 April 2026