Payments Product Manager

About Credit+

Credit+ is a new and ambitious consumer lending business launching in Morocco in 2025. We're on a mission to transform the way people access and manage credit - with fast, fair and fully digital financial products built for everyday Moroccans.

Backed by world-class technology and deep local insight, Credit+ is set to redefine borrowing for millions of underserved and overlooked customers in Morocco.

We're building from the ground up - assembling a bold, smart and mission-driven team ready to shape the future of consumer finance in the region.

Why Credit+ is a great place to be

Our ambition.
We are looking to become a leading provider of credit within Morocco, making it easy for users to access credit solutions and we are looking for ambitious individuals to join this journey as we scale.

Our culture.
We go above and beyond to provide an amazing customer experience and we make our apps not just easy but fun to use. We work with strong individuals whom we empower and trust rather than micromanage. Common sense rather than formal policies prevails in all that we do. We always stay curious and open-minded. We embrace the -we over me' culture.

Your role

As a Product Manager in the payments domain, you will leverage your knowledge of payment systems, banking products, and customer behaviour to develop and manage digital banking features tailored to the Moroccan market.

What You Will Be Doing:

• Launch and optimise payment products to drive company revenue (instant payments, bank transfers, mobile and utility bill payments, direct debits, account top-ups, digital accounts and wallets)
• Develop and implement product strategies, policies, and procedures in line with market trends and regulatory changes in Morocco
• Introduce a long-term payment product roadmap, which focuses on customer excellence, product performance and maintenance needs
• Conduct thorough product discovery and prioritisation based on business impact, and support technology teams during the refinement and delivery process
• Collect and deliver technical requirements (APIs, product specs, etc.) from the partner bank and vendors to internal development teams
• Create cash flow and accounting schemes for payment features, including reconciliation and settlement frameworks with banks and providers
• Work cross-functionally with marketing, service operations, compliance and finance teams to ensure smooth product launches and iterations
• Define key performance indicators, deliver regular management and regulatory reports on product performance and compliance
• Establish partnerships and negotiate commercial terms with third-party providers (e.g. payment systems, fintech platforms, payment providers)
• Participate in major fintech industry events and represent the Product team in early talks with potential new partners
• Use data analytics to optimise product performance and make evidence-based decisions on features, pricing, and UX

Who you are

• At least 5 years of product management experience within the payments domain, preferably in local payment services, fintech, or retail banking
• Proven track record of scoping and delivering API payment integrations, bank transfers, bill payments, accounts and alternative payment methods
• Experienced in working and negotiating with domestic regulators, banking partners, payment service providers, and local schemes (Instant Transfer, SIMT, EBICS, ISO20022, HPS Switch, SRMB, PSPSS)
• Able to independently prioritise and lead product initiatives based on business impact, drive product expansion and revenue
• Can coordinate projects with multiple internal stakeholders, including finance, engineering, compliance, design service operations, and marketing
• Eager to consult senior management during major decision-making, with confidence to support or challenge proposed ideas
• Feel comfortable with rapid business changes - have a passion for building customer-centric digital products, great adaptability, and a desire to learn fast
• Disciplined and self-driven, focused on excellence and financial outcomes, constantly seeking new entrepreneurial challenges
• Deep thinker, proficient in using analytical and productivity tools (e.g., Looker, DBeaver, Jira, Confluence, Miro, Google Workspace, Figma, ChatGPT, Claude)
• Effective communicator, can collaborate with technical and non-technical stakeholders (e.g., messengers, email, video calls, face-to-face meetings)
• Fluent in English, French and Arabic

What we are offering

• Opportunity to shape the future of digital banking in Morocco
• Competitive compensation package
• Collaborative and dynamic work culture with a mission-driven team
• Autonomy to influence product decisions and roadmap execution