
Northmill Bank AB · Stockholm
Northmill Bank is a challenger bank at the intersection of technology and finance, committed to revolutionizing the way people manage and protect their financia...
Northmill Bank is a challenger bank at the intersection of technology and finance, committed to revolutionizing the way people manage and protect their financial well-being. We are creating a different kind of banking experience, digital yet personal.
Northmill Bank was founded in 2006 and have grown to over 240 employees in 3 countries and over 270 000 customers. We use the latest technology to develop safe, smart, and user-friendly products for our customers. They are the sole reason why we do what we do. We are a 100% cloud-based product company where technology is the driver to create smarter banking products.
Grab this opportunity to be a part of us and our journey!
About the role
We are looking for an experienced Product Manager – B2C Credit with a strong commercial background and proven track record in consumer lending to take ownership of our revolving credit facility and consolidation loan products.
This role is central to the continued growth of our consumer lending business. We are looking for someone who has built, managed, and scaled lending products in practice; not simply worked alongside them.
You will be responsible for defining the strategy and roadmap for our consumer credit products, working closely with credit risk, analytics, marketing, technology, customer operations, and compliance. The ideal candidate understands consumer lending economics, portfolio performance, customer behaviour, and risk management, and can balance commercial growth with responsible lending.
This is not a purely technical product role. We are specifically seeking a commercial product leader who understands consumer lending end-to-end, from customer acquisition and underwriting through pricing, portfolio optimisation, repayments, and retention.
Responsibilities
Own and drive the product strategy and roadmap for Northmill's revolving credit facility and consolidation loan products, with a clear focus on sustainable growth, customer value, and portfolio profitability.
Continuously improve the customer journey across the entire lending lifecycle, including acquisition, application, underwriting, activation, utilisation, repayment, and retention.
Work closely with Credit Risk, Analytics, Finance, Marketing, Customer Operations, Compliance, and Technology to deliver commercially successful and compliant lending products.
Translate customer insights, market opportunities, portfolio performance, and business objectives into clear product priorities and development initiatives.
Monitor and optimise key commercial metrics including approval rates, utilisation, portfolio growth, repayment behaviour, customer lifetime value, default rates, margins, and profitability.
Identify opportunities to improve underwriting, pricing, credit limits, customer engagement, and portfolio performance using data-driven decision making.
Ensure products remain competitive by understanding customer needs, market trends, regulatory developments, and competitor offerings.
Actively engage with customers and internal stakeholders to validate product-market fit and identify opportunities for innovation and continuous improvement.
Who you are
You're a commercially minded Product Manager with a passion for building lending products that create value for both customers and the business. You thrive in cross-functional environments, enjoy turning data and customer insights into product decisions, and know how to balance growth, customer experience, risk, and profitability. You're comfortable challenging existing ways of working and driving initiatives from idea to launch and continuous optimisation.
To succeed in this role, you'll likely have
Proven experience as a Product Manager within consumer lending, with a track record of launching, growing, and optimising lending products.
Strong experience with revolving credit, personal loans, or other unsecured consumer credit products.
A solid understanding of consumer credit risk, underwriting principles, pricing, lending economics, and portfolio performance.
Experience working in fintech, banking, consumer finance, or another regulated financial services environment.
A data-driven mindset with strong analytical skills and experience using insights to prioritise and improve products.
Excellent stakeholder management skills and the ability to collaborate across Product, Engineering, Credit Risk, Analytics, Commercial, and Operations.
Good to Have
Experience with revolving credit facilities, consolidation loans, instalment lending, or other unsecured lending products.
Experience working with behavioural scoring, affordability assessments or decision engines.
Experience optimising digital customer acquisition funnels and lending conversion journeys.
Knowledge of Nordic consumer lending markets and financial regulations.
What we offer
A fantastic office in a prime Stockholm location with great spaces and views
An independent role with the opportunity to make a real impact
Great opportunities for professional development
Health - 5 000 kr wellness allowance
Conference abroad every other year
Breakfast and fruits every day, as well as "holy fika” each Friday
Regular after work and celebrated successes at the office
Apply today and be a part of Northmill!
Northmill Bank is a challenger bank at the intersection of technology and finance, committed to revolutionizing the way people manage and protect their financial well-being. We are creating a different kind of banking experience, digital yet personal. Northmill Bank was founded in 2006 and have grown to over 200 employees in 3 countries, 4 000 merchants and 600 000 end users. We use the latest technology to develop safe, smart, and user-friendly products for our customers. They are the sole reason why we do what we do. We are a 100% cloud-based product company where technology is the driver to create smarter banking products. Grab this opportunity to be a part of us and our journey! About the role As a Marketing Manager B2C, you play a key role in driving the growth, relevance and customer value of our consumer products in the market. You will be responsible for the entire process, from planning to execution of our B2C initiatives and ensuring that all campaigns are aligned with Northmill Bank's overall business objectives. In this role, you will report directly to our Chief Marketing Officer (CMO). Responsibilities You drive initiatives for Northmill Bank's B2C products all the way from idea to execution and follow-up. You are responsible for developing and implementing marketing plans with a focus on customer acquisition, cross-selling, retention and reduced customer churn. You collaborate cross functionally with the product and sales team to ensure successful product launches and unified go-to-market strategies. You manage and optimize specific campaign and media budgets to ensure maximum ROI. You monitor and analyze campaign metrics and use customer insights to optimize our strategies. Who you are To succeed and thrive in this role, you have a deep understanding of the entire customer journey, from acquisition and activation to loyalty. You are constantly up-to-date on new trends in B2C marketing, changes in consumer behavior and new marketing channels. You are used to managing both internal and external stakeholders, including media partners. Qualifications Bachelor's degree in marketing, economics, technology/engineering or equivalent. More than 5 years of relevant experience in B2C marketing in a fast-paced environment, preferably in fintech or e-commerce. Fluent in Swedish and English at a professional level. Documented experience in successfully running and scaling consumer-facing marketing campaigns across multiple channels (digital, social media, CRM, etc.). Strong experience in cross-functional collaboration with product and sales teams to drive holistic growth. What we offer A fantastic office in a prime Stockholm location with great spaces and views An independent role with the opportunity to make a real impact Great opportunities for professional development Health - 5 000 kr health care allowance Conference abroad every other year Breakfast and fruits every day, as well as "holy fika” each Friday Regular after work and celebrated successes at the office Apply today and be a part of Northmill!
Om oss - Data & AI Vår Data & AI-avdelning är hjärtat i vår datadrivna utveckling och spelar en central roll i att omvandla information till affärsvärde. Teamen består av data scientists, data engineers, utvecklare, AI-specialister och UX-are som tillsammans bygger och förvaltar lösningar inom avancerad datamodellering, maskininlärning och automatisering. Avdelningen arbetar tvärfunktionellt och nära verksamheten för att identifiera möjligheter där data och AI kan skapa konkreta resultat – från prediktiva modeller och insikter till intelligenta produkter och tjänster. Vi hanterar hela kedjan, från datainsamling och dataplattformar till modellutveckling, implementering och möjliggör uppföljning i verksamheten. Hos oss präglas arbetet av innovation, samarbete och ett starkt fokus på kvalitet och säkerhet. Vi strävar efter att ligga i framkant inom modern teknik och använder verktyg och metoder som möjliggör skalbara och hållbara lösningar. Om rollen Ett av våra datateam, Datamodeller, behöver en Product Manager som leder teamet på fem utvecklare i det dagliga arbetet samt agerar som en stark kommunikativ spelare gentemot teamet och domänens stakeholders. Vi arbetar i Big Query med data från hela Bonnier News och i nära samarbete med Analys, Commercial, Editorial och Product. En strategisk förflyttning har påbörjats mot att etablera Data Mesh, Dataprodukter, dbt, som arbetssätt i organisationen. Denna förflyttning behöver drivkraft vilket vi ser att personen i denna roll tillför. Vi har också ett behov i domänen och på Bonnier av någon som agerar “Datageneral”, som tar helhetsansvar för våra dataflöden och hur vi vill jobba med dem. Vi behöver föra ut vår datastrategi i organisationen. I och med detta behöver du ha stark bakgrund och teknisk kompetens om hur vi vill jobba med data framåt och kunna föra talan för detta mot andra delar av organisationen och i olika utvecklarforum och liknande. Det är nödvändigt att tänka helhet och arkitektur för dataflöden som behöver moderniseras, effektiviseras och automatiseras för att kunna generera värde mot såväl AI som användare i organisationen. I rollen ingår du i Data & AI-domänens ledningsgrupp vilket ger dig stor möjlighet att vara med och påverka kortsiktiga och långsiktiga beslut inom domänen. Samt datastrategin framåt på hela Bonnier News. Dina främsta arbetsuppgifter är att: ansvara för att bygga goda relationer med domänens stakeholders och andra intressenter ansvara för att driva arbetet med Bonnier News datastrategi framåt i rätt riktning och ta ansvar för att driva igenom förändringar kring den om det behövs att leda teamet Datamodeller i deras dagliga arbete vilket innebär att ge teamet rätt förutsättningar och rätt prioritering i vad de ska utföra Vem är du? Utöver det som redan är beskrivet ovan behöver du vara modig och ta egna initiativ och ha en personlighet som trivs i en föränderlig värld då möjligheterna med AI gör att omvärlden och vår domän anpassar sig i snabb takt. Kvalifikationer: Relevant universitets- eller högskoleutbildning inom data/IT, ingenjörsvetenskap eller motsvarande. Minst 3 års erfarenhet från en datadriven roll inom digital media, varav minst 2-3 år i en roll fokuserad på dataanalys, data engineering eller data strategy. Dokumenterad erfarenhet av att arbeta i molnbaserade data warehouse (vi använder Google BigQuery ) och praktisk erfarenhet av datamodellering och ETL/ELT- processer. Avancerade kunskaper i SQL är ett krav för rollen, då detta är ditt primära arbetsverktyg för analys, transformation och kvalitetssäkring. Dokumenterad erfarenhet av att hantera storskaliga datamiljöer i molnprojekt. Erfarenhet av ledningsarbete som PM/Teamlead/PO: Framgångsrik implementering av KPI:er och OKR:er för att skapa samstämmighet i teamet. Meriterande: Erfarenhet av molnmigrering och infrastrukturprojekt, inklusive utveckling av skalbara arkitekturer och harmonisering av data mellan olika miljöer. Övrig information: Tjänsten är en tillsvidareanställning som börjar med en 6 månaders provanställning. Placering är flexibel och sker på något av våra kontor enligt överenskommelse. Hos oss tror vi att det bästa upplägget är en mix av att ses på kontoret och de positiva effekter det ger, och även ha möjligheten att jobba hemma ibland för att få ihop livspusslet och bibehålla fokus. Vi är en arbetsplats med den trygghet som väl utformade kollektivavtal innebär. Du får friskvårdsbidrag, rabatter och fri prenumeration på våra nyheter, extra ersättning vid föräldralön, pensionslösning inom ITP1 men framför allt en inspirerande arbetsmiljö med fantastiska kollegor! Vi är nyfikna på vem du är och ser fram emot din ansökan!. Vill du veta mer gällande hur vår rekryteringsprocess ser ut kan du klicka här! Med anledning av GDPR har vi inte möjlighet att ta emot ansökningar via email
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