Product Manager – Consumer Financing & Affordability

Product Strategy & Development Define and own the affordability product roadmap aligned with business and sales objectives. Design and launch consumer financing solutions, including: Credit card installment plans, Leasing and hire-purchase schemes,Buy Now Pay Later (BNPL) and short-term financing options,Telco-led device financing programs and Trade-In and Trade-Up programs Adapt global or regional affordability models to suit local market dynamics and consumer behavior in Sri Lanka. 2. Partner Management Build and maintain strong relationships with banks, finance companies, leasing providers, NBFCs, telcos, retail partners, and trade-in partners. Negotiate commercial terms, margins, subsidies, and promotional structures. Manage partner onboarding, agreements, and operational readiness. Monitor and evaluate partner performance and effectiveness. 3. Go-to-Market & Execution Collaborate with Sales and Marketing teams to launch affordability programs across retail, online, and partner channels. Support promotional campaigns and seasonal offers (e.g., Avurudu, festive periods). Ensure clear communication of offers to frontline sales teams and partners. 4. Data, Performance & Reporting Track and analyze key performance indicators such as: Offer adoption
and conversion rates, Sales contribution from affordability programs,
Partner performance and ROI and Trade-In utilization Analyze customer behavior, affordability trends, and market insights. Prepare performance reports and provide actionable recommendations to management. Monitor in-store execution and resolve day-to-day operational challenges 5. Compliance & Risk Management Ensure all affordability solutions comply with Central Bank of Sri Lanka regulations and consumer protection guidelines. Work with Legal, Finance, and Risk teams to mitigate financial, operational, and reputational risks. 6. Stakeholder Collaboration Collaborate with cross-functional teams including Sales, Marketing, Finance, Legal, Operations, and Technology. Act as the central point of contact for all affordability-related initiatives. Requirements 3–5 years of experience in telecom, mobile distribution, banking, fintech, or retail industries. Strong proficiency in Excel and/or Google Sheets. Experience in consumer financing, banking, leasing, or fintech environments. Exposure to retail, FMCG, electronics, or telecom sectors is preferred. Experience working with Sri Lankan banks, finance companies, or telcos is highly desirable. Core Competencies Technical & Functional Skills Strong understanding of consumer financing models and affordability mechanisms. Strong commercial acumen and negotiation skills. Data-driven decision-making and analytical capabilities. Knowledge of Sri Lankan financial and regulatory landscape. Behavioral Competencies Strategic thinking with strong execution focus. Excellent stakeholder management and communication skills. Proactive, results-oriented, and ownership-driven mindset. Ability to work cross-functionally in a fast-paced environment. Strong organizational skills with attention to detail and reliability. Comfortable working with external partners and retail teams. High level of professionalism and integrity.