Role Summary

As Lead Platform PM for Lending Core, you will own the shared infrastructure that powers every botim credit product: program configuration, credit decisioning, and the full loan lifecycle. Your users are internal product managers and engineers, not consumers. Your measure of success is whether a PM can configure a new lending program without a single engineering build, and whether the platform is extensible enough to support products we haven't imagined yet.

This is a technical platform role for someone who has built a lending engine — not managed one of its products. If you have spent your career optimising lending journeys, conversion, or P&L, this is not the right fit. If you have architected the configurable infrastructure that lending products run on, we want to talk.

Responsibilities

• Own the configuration layer. Define and drive delivery of a self-serve portal that lets product managers configure lending programs — tenors, amounts, interest rates, repayment dates, segmentation rules — without engineering involvement.

• Own the credit decision engine. Specify the interface and logic that takes a loan application, applies scoring or decision-tree rules, and returns an outcome to the relevant product. Ensure the engine is extensible across different credit products and risk models.

• Own the loan lifecycle state machine. Define the shared application, disbursement, repayment, and settlement states that apply consistently across all products on the platform.

• Ensure multi-product compatibility. Design the platform so that different products can coexist with different feature combinations, without bespoke engineering for each. This is the core architectural challenge of the role.

• Lead the first migration. Identify the right product to migrate onto the core first, validate the approach, and own the outcome. Current thinking points to SplitPay as the lowest-risk starting point; you will pressure-test and own this call.

• Act as gatekeeper on engineering delivery. Review what the engineering team ships and judge whether it is correct, extensible, and built to the right depth — not just functionally sufficient for the immediate use case.

• Define requirements across stakeholders. Liaise with lending product PMs, the engineering lead, and senior leadership to translate business needs into platform specifications.

• Work alongside AI-assisted engineering. The engineering team is already building with significant AI tooling. You will be comfortable operating in this environment and using it to accelerate MVP delivery.

Requirements

• Demonstrable experience building a lending core, loan origination system (LOS), or credit decisioning platform as the product owner — not integrating one as a user. You have worked at or within a lending platform or LOS vendor and owned the engine itself.

• Deep architectural knowledge of how lending systems are structured: configuration layers, decisioning modules, lifecycle management, and how a single platform accommodates multiple products with different feature sets.

• Breadth across lending product types (consumer instalment, BNPL, SME, revolving credit) sufficient to act as a credible gatekeeper on platform design decisions.

• Comfort owning a platform with no consumer-facing surface, where internal PMs and engineers are your primary stakeholders and adoption metrics are your proxy for impact.

• Strong requirements definition and documentation skills, with the ability to translate complex system behaviours into clear, testable specifications.