Commercial Product & Project Manager
Kredo.al (ECFA sh.a.), part of Eleving Consumer Finance, is a non-bank financial institution licensed by the Bank of Albania since 2017. The company focuses on fast and convenient consumer financing for individuals, prioritizing safety, transparency, and customer comfort. Kredo.al brings extensive experience in building lending institutions for individuals. Its team of finance, technology, and customer service professionals enables competitive advantages such as high-quality customer service, attentive communication, and loan processing within 15 minutes.
We invite professionals to apply for the position of Commercial Product & Project Manager.
Mission
The Commercial Product & Project Manager is the single owner of commercial performance for driving growth, optimizing the loan product and user experience itself, shaping marketing strategy — while also acting as the department's business project manager. This person plans a campaign, writes the requirements, drives the project to completion, and reads the commercial numbers personally, then moves to the next priority. This position reports to the Chief Commercial Officer
Business Project Management
- Translate commercial needs into clear, detailed business requirements that Product, IT, and Risk can act on directly.
- Own each project end to end — requirements, planning, execution, testing, and post-launch review — rather than handing it off.
- Track milestones, chase dependencies, and keep every stakeholder aligned on status and next steps.
- Maintain a live roadmap across all commercial initiatives, giving leadership clear visibility into what's in flight and what's at risk.
- Flag delays, scope changes, and blockers early — then drive them to resolution instead of escalating and waiting.
Product Development & Lifecycle
- Design and refine micro-loan and consumer-lending products end to end — pricing, tenor, eligibility, and terms — grounded in commercial data and market demand.
- Set and adjust campaign parameters (limits, promotional rates, eligibility windows) to balance growth against risk appetite.
- Map and optimize the borrower's journey from application to disbursement, removing friction that costs conversions.
- Own the product roadmap for assigned lines, prioritizing enhancements by commercial impact.
Retention Strategy & Campaigns
- Build and iterate retention programs that raise lifetime value and cut churn across active and passive borrowers.
- Run reactivation campaigns targeted at dormant or at-risk segments.
- Launch and manage a structured referral program that turns existing borrowers into an acquisition channel.
- Test and scale discount and pricing-incentive models that drive repeat borrowing without eroding margin.
Marketing Duties
- Turn growth goals into campaign briefs and content priorities, aligning commercial targets with marketing strategy.
- Run promotional campaigns end to end — concept, execution, post-mortem — across digital, SMS, email, and offline channels.
- Own the marketing and campaign budget, tracking spend against plan and reallocating toward what performs.
- Optimize lead-generation funnels from ad spend and landing pages through to application completion.
- Coordinate collaborators with clear requests and deadlines.
Commercial Analytics & KPIs
- Monitor conversion rates and disbursement volumes, acting proactively on projected delivery status.
- Build and maintain dashboards that give leadership a real-time read on commercial performance.
- Translate data into action — flag underperforming segments, campaigns, or products before they become problems.
Cross-Functional Collaboration
- Partner with Risk/Underwriting to align product parameters and campaign targeting with credit policy.
- Work with Legal & Compliance to ensure product terms, marketing claims, and campaigns meet regulatory requirements.
- Coordinate with IT on system integration for new products, campaigns, and partner channels.
- Align with Sales/Field teams so commercial strategy translates into real outcomes with borrowers on the ground.
Commercial Product & Project Manager
Kredo.al (ECFA sh.a.), part of Eleving Consumer Finance, is a non-bank financial institution licensed by the Bank of Albania since 2017. The company focuses on fast and convenient consumer financing for individuals, prioritizing safety, transparency, and customer comfort. Kredo.al brings extensive experience in building lending institutions for individuals. Its team of finance, technology, and customer service professionals enables competitive advantages such as high-quality customer service, attentive communication, and loan processing within 15 minutes.
We invite professionals to apply for the position of Commercial Product & Project Manager.
Mission
The Commercial Product & Project Manager is the single owner of commercial performance for driving growth, optimizing the loan product and user experience itself, shaping marketing strategy — while also acting as the department's business project manager. This person plans a campaign, writes the requirements, drives the project to completion, and reads the commercial numbers personally, then moves to the next priority. This position reports to the Chief Commercial Officer
Business Project Management
- Translate commercial needs into clear, detailed business requirements that Product, IT, and Risk can act on directly.
- Own each project end to end — requirements, planning, execution, testing, and post-launch review — rather than handing it off.
- Track milestones, chase dependencies, and keep every stakeholder aligned on status and next steps.
- Maintain a live roadmap across all commercial initiatives, giving leadership clear visibility into what's in flight and what's at risk.
- Flag delays, scope changes, and blockers early — then drive them to resolution instead of escalating and waiting.
Product Development & Lifecycle
- Design and refine micro-loan and consumer-lending products end to end — pricing, tenor, eligibility, and terms — grounded in commercial data and market demand.
- Set and adjust campaign parameters (limits, promotional rates, eligibility windows) to balance growth against risk appetite.
- Map and optimize the borrower's journey from application to disbursement, removing friction that costs conversions.
- Own the product roadmap for assigned lines, prioritizing enhancements by commercial impact.
Retention Strategy & Campaigns
- Build and iterate retention programs that raise lifetime value and cut churn across active and passive borrowers.
- Run reactivation campaigns targeted at dormant or at-risk segments.
- Launch and manage a structured referral program that turns existing borrowers into an acquisition channel.
- Test and scale discount and pricing-incentive models that drive repeat borrowing without eroding margin.
Marketing Duties
- Turn growth goals into campaign briefs and content priorities, aligning commercial targets with marketing strategy.
- Run promotional campaigns end to end — concept, execution, post-mortem — across digital, SMS, email, and offline channels.
- Own the marketing and campaign budget, tracking spend against plan and reallocating toward what performs.
- Optimize lead-generation funnels from ad spend and landing pages through to application completion.
- Coordinate collaborators with clear requests and deadlines.
Commercial Analytics & KPIs
- Monitor conversion rates and disbursement volumes, acting proactively on projected delivery status.
- Build and maintain dashboards that give leadership a real-time read on commercial performance.
- Translate data into action — flag underperforming segments, campaigns, or products before they become problems.
Cross-Functional Collaboration
- Partner with Risk/Underwriting to align product parameters and campaign targeting with credit policy.
- Work with Legal & Compliance to ensure product terms, marketing claims, and campaigns meet regulatory requirements.
- Coordinate with IT on system integration for new products, campaigns, and partner channels.
- Align with Sales/Field teams so commercial strategy translates into real outcomes with borrowers on the ground.
