Product Manager – Consumer Financing & Affordability

1. Product Strategy & Development

• Define and own the affordability product roadmap aligned with business and sales objectives.
• Design and launch consumer financing solutions, including: Credit card installment plans, Leasing and hire-purchase schemes,Buy Now Pay Later (BNPL) and short-term financing options,Telco-led device financing programs and Trade-In and Trade-Up programs
• Adapt global or regional affordability models to suit local market dynamics and consumer behavior in Sri Lanka.

 2. Partner Management

• Build and maintain strong relationships with
  banks, finance companies, leasing providers, NBFCs, telcos, retail
  partners, and trade-in partners.
• Negotiate commercial terms, margins, subsidies, and promotional structures.
• Manage partner onboarding, agreements, and operational readiness.
• Monitor and evaluate partner performance and effectiveness.

 3. Go-to-Market & Execution

• Collaborate with Sales and Marketing teams to launch affordability programs across retail, online, and partner channels.
• Support promotional campaigns and seasonal offers (e.g., Avurudu, festive periods).
• Ensure clear communication of offers to frontline sales teams and partners.

 4. Data, Performance & Reporting

• Track and analyze key performance indicators such as: Offer adoption and conversion rates, Sales contribution from affordability programs, Partner performance and ROI and Trade-In utilization
• Analyze customer behavior, affordability trends, and market insights.
• Prepare performance reports and provide actionable recommendations to management.
• Monitor in-store execution and resolve day-to-day operational challenges

 5. Compliance & Risk Management

• Ensure all affordability solutions comply with Central Bank of Sri Lanka regulations and consumer protection guidelines.
• Work with Legal, Finance, and Risk teams to mitigate financial, operational, and reputational risks.

• Collaborate with cross-functional teams including Sales, Marketing, Finance, Legal, Operations, and Technology.
• Act as the central point of contact for all affordability-related initiatives.

• 3–5 years of experience in telecom, mobile distribution, banking, fintech, or retail industries.
• Strong proficiency in Excel and/or Google Sheets.
• Experience in consumer financing, banking, leasing, or fintech environments.
• Exposure to retail, FMCG, electronics, or telecom sectors is preferred.
• Experience working with Sri Lankan banks, finance companies, or telcos is highly desirable.
  
  

Technical & Functional Skills

• Strong understanding of consumer financing models and affordability mechanisms.
• Strong commercial acumen and negotiation skills.
• Data-driven decision-making and analytical capabilities.
• Knowledge of Sri Lankan financial and regulatory landscape.

Behavioral Competencies

• Strategic thinking with strong execution focus.
• Excellent stakeholder management and communication skills.
• Proactive, results-oriented, and ownership-driven mindset.
• Ability to work cross-functionally in a fast-paced environment.
• Strong organizational skills with attention to detail and reliability.
• Comfortable working with external partners and retail teams.
• High level of professionalism and integrity.