Product Manager · Banking / Lending · Digital growth
Digital Consumer Finance
Drove growth of the online consumer finance business through digital process optimization, pricing strategy, and partner-led integrations — in a fully regulated consumer banking environment.
Context
Online consumer finance lives or dies on three numbers: time to decision, conversion at decision, and unit economics per loan. Every percentage point hides a tangle of compliance rules, pricing logic, and integrations with partner platforms.
At HypoVereinsbank, the online consumer finance business had real volume and real friction. The opportunity was to grow it digitally, in a regulated B2C environment, without compromising risk discipline.
The work mixed product, pricing, and partnerships. Process optimization unblocked conversion; pricing strategy unlocked margin; partner integrations opened reach into channels the bank could not own directly.
What I did
- Owned the online consumer finance product end-to-end across discovery, delivery, and post-launch performance.
- Designed digital process optimizations across application, decisioning, and onboarding to remove friction in the funnel.
- Worked with pricing, risk, and finance to evolve the pricing strategy in a way that protected margin and grew volume.
- Led partner-led integrations with SaaS platforms and brokers to open up new origination channels.
- Built the measurement and reporting layer so every change had a clear before/after on volume and unit economics.
Outcome
Material growth in online consumer loan volume through digital process optimization, smarter pricing, and partner-led origination — delivered inside a fully regulated B2C banking environment.
Loan volume growth
What I learned
Pricing is a product decision long before it is a finance decision. The teams that grow lending books are the ones that treat pricing, product, and risk as a single loop rather than three separate departments.