Senior Product Manager (Loan & Debt Management Systems)

First Circle is an SME credit-centric, multi-product NeoBank in SE Asia which is fast-growing (>100%), profitable, and internationalising soon. We started life as an SME lender in the Philippines in 2016 to solve the SME credit gap by using technology to systemise underwriting, deliver exceptional UX, and automate away delivery costs. We’ve delivered our clients the fastest, cheapest, most flexible credit line available to businesses anywhere in Southeast Asia. We’ve been rewarded with both fast growth and exceptional unit economics, a rare combination in our space. Over the past two years we’ve expanded our product range to include business bank accounts & payments, e-Invoices, corporate credit cards, rooftop solar, and most recently deposits catalysed by securing a full bank charter in the Philippines. In 2027, we’ll expand our geographical coverage to include at least two new markets in APAC. Our excellent track record results from our people & culture. We combine high standards & intensity with a collegiate environment. Our barometers of success are the rate of personal growth of our people, how long high performers choose to stay , and ensuring we raise the bar with every hire. About The Opportunity We are building an entirely automated, end-to-end international SME financial services company . The systems this role owns are the rails that make that possible: every drawdown, repayment, transfer, ledger entry and reconciliation runs across them. End-to-end automation is a hugely complex goal. It demands world-class engineering design and infrastructure planning , meticulous attention to detail, and a very high bar on correctness. Doing it across multiple geographies, each with its own regulators, currencies and accounting rules, raises the complexity again. This is not a conventional feature-backlog product role - in reality it will be part product owner, part systems architect: someone who designs how money moves through the company, makes sure every component works together, and drives it to production with our engineers. What You'll Own Loan Management: Our loan management system (LMS): loan plans, drawdowns, repayment schedules, early repayment, rescheduling, overdue settlement, direct debit and collections logic Debt Management: The systems behind our own funding: debt facilities, borrowing bases, covenant monitoring, investor and lender reporting Finance Systems: General ledger, sub-ledgers, accounting automation, reconciliation, month-end close and regulatory reporting Today these systems already carry a loan book growing at more than 100% a year. Your job is to make them fully automated, correct by design, and ready to run in new countries. What You'll Do Architect the rails: design how money and data move across loans, debt and the ledger, built for failure and for multi-entity, multi-currency markets Automate end to end: engineer out every manual step and workaround, and move business rules into…