Company Overview

An expanding fintech environment is developing integrated lending solutions designed to make credit services more accessible through digital platforms and business ecosystems. Its financial technology activities include digital credit infrastructure, lending integrations, automated loan processing, financial account services, and API-driven financial products.

The organisation is seeking an experienced professional to lead the development and implementation of embedded lending solutions for business partners and digital platforms.

Role Summary

The Embedded Lending Product Lead will oversee the strategy, development, and commercial implementation of lending products integrated into third-party digital platforms. The position requires a strong understanding of digital lending operations, credit product design, financial technology infrastructure, and customer acquisition channels.

The successful candidate will coordinate product development activities, manage lending integration requirements, and work with risk, compliance, engineering, and commercial teams to deliver effective embedded credit solutions.

Key Responsibilities

• Define and execute the product strategy for embedded lending solutions.

• Identify opportunities to integrate credit products into e-commerce platforms, business software, and digital marketplaces.

• Develop product requirements for API-enabled lending and financing services.

• Coordinate the development of merchant financing, consumer credit, and business lending solutions.

• Work with credit risk specialists to establish appropriate lending product parameters.

• Collaborate with engineering teams to develop automated loan application and approval workflows.

• Oversee product onboarding processes for lending partners and distribution platforms.

• Evaluate customer application journeys and recommend improvements to lending accessibility.

• Coordinate the integration of credit assessment and financial verification services.

• Monitor loan application conversion, approval rates, repayment performance, and product adoption.

• Ensure lending products align with applicable regulatory and consumer protection requirements.

• Conduct competitor research and identify emerging opportunities within European embedded lending markets.

• Prepare product performance reports and recommend improvements based on operational data.

Requirements and Qualifications

• Bachelor’s degree in Finance, Economics, Business Administration, Information Systems, or a related field.

• At least 5 years of experience in fintech product management, digital lending, or financial services.

• Practical understanding of embedded lending and digital credit distribution models.

• Experience developing financial products through third-party platforms or API integrations.

• Knowledge of lending workflows, credit assessment, loan servicing, and repayment processes.

• Understanding of consumer protection, responsible lending, and European financial regulatory requirements.

• Ability to develop product roadmaps, business requirements, and implementation plans.

• Familiarity with Agile product development and cross-functional project coordination.

• Strong analytical, commercial, and problem-solving capabilities.

• Excellent communication and stakeholder management skills.

Benefits

• Fully remote working arrangement within Estonia.

• Opportunity to lead the development of innovative digital lending products.

• Exposure to embedded finance and financial infrastructure technologies.

• Collaboration with experienced product, risk, compliance, and engineering teams.

• Access to professional learning and career development opportunities.

• Flexible working practices within a technology-focused environment.

Application Instructions

Applicants should submit an updated CV detailing their experience in lending products, fintech product development, and financial technology integrations. Candidates should highlight relevant lending platforms, product launches, API integration projects, and measurable product performance improvements.

Are you interested in this position?

Apply by clicking on the “Apply Now” Button below!

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