Commercial Product & Project Manager
Kredo.al
/job-details/9664
**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
**Core Responsibilities**
*Business Project Management*
▸ Write clear, detailed business requirements for new products, campaigns, partnerships, or system changes, translating commercial needs into specs that Product, IT, and Risk can act on.
▸ Lead follow-up on every assigned project: track milestones, chase dependencies, and keep all stakeholders aligned on status and next steps.
▸ Own end-to-end delivery — from requirements and planning through execution, testing, and post-launch review — making sure each project is followed through correctly from start to finish, not just handed off.
▸ Maintain a live project tracker/roadmap across all active commercial initiatives, giving leadership clear visibility into what's in flight and what's at risk.
▸ Flag delays, scope changes, or blockers early, and drive them to resolution rather than escalating and waiting.
Product Development & Lifecycle
▸ Design and refine micro-loan and consumer-lending products end to end — pricing, tenor, eligibility, and terms — based on commercial data and market demand.
▸ Set and adjust campaign parameters (limits, promotional rates, eligibility windows) to balance growth against risk appetite.
▸ Map and continuously optimize the borrower's user journey, from first application to disbursement, removing friction that costs conversions.
▸ Own the product roadmap for assigned lines, prioritizing enhancements by commercial impact.
*Retention Strategy & Campaigns*
▸ Design, execute, and iterate customer-retention programs that lift lifetime value and cut churn among active and passive borrowers.
▸ Build and run reactivations 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 to drive repeat borrowing without eroding margin.
*Marketing Duties*
▸ Align commercial targets with marketing strategy, translating growth goals into campaign briefs and content priorities.
▸ Oversee promotional campaigns end to end — concept, execution, and post-mortem — across digital, SMS, email, and offline channels.
▸ Own and manage 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.
▸ Organise tasks between collaborators with clear requests and deadlines.
Commercial Analytics & KPIs
▸ Monitor conversion rates, loan disbursement volumes, and act on projected delivery status on a proactive manner.
▸ 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 a problem.
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 needs for new products, campaigns, and partner channels.
▸ Align with Sales/Field teams so commercial strategy translates into what actually happens with borrowers on the ground.
**Requirements & Qualifications**
▸ Bachelor's degree in Business, Marketing, Finance, Economics, or a related field.
Experience
▸ 7–10 years' experience in financial services, microfinance, or fintech, with direct exposure to consumer loans or retail lending.
▸ Demonstrated ownership of a product, campaign, or business project end to end — not just supporting one.
▸ Hands-on experience writing business requirements documents (BRDs) and driving cross-functional projects from initiation through delivery.
Skills
▸ Strong data analysis and commercial reasoning — comfortable moving from a dashboard to a decision.
▸ Excellent business-requirements writing: able to turn a commercial need into a clear, actionable spec other teams can build from.
▸ Solid project-management discipline: can run multiple initiatives (product, campaign, partnership, system change) in parallel, follow each through to completion, and not let any drop.
▸ Confident commercial negotiator, whether with a merchant partner, an agency, or an internal stakeholder.
▸ Working understanding of automated credit-risk engines and how product/campaign design interacts with them.
Mindset
▸ Self-starter who builds the plan, not just executes someone else's.
▸ Analytical by default — instincts backed by numbers, not the other way around.
▸ Follows through: sees every project to a genuine finish rather than a handoff.
▸ Thrives working autonomously in a flat structure, without a team to delegate to and without needing one.
**Benefits**
ECFA Sh.a aims to create a unique work environment and takes pride in offering equal employment opportunities.
In addition to the salary for each position, ECFA Sh.a offers the following benefits:
*• For Specialist-level roles: Salary + Private Health Insurance Package*
*• Professional and interpersonal skills development training*
*• Various cultural, sports, and social activities and events*
**Application instructions**
If you consider yourself the right candidate to help foster the company culture, please submit your CV via the following link:
https://talent.sage.hr/jobs/cdd7e475-a0b4-4bca-a071-b1849c162b76
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
**Core Responsibilities**
*Business Project Management*
▸ Write clear, detailed business requirements for new products, campaigns, partnerships, or system changes, translating commercial needs into specs that Product, IT, and Risk can act on.
▸ Lead follow-up on every assigned project: track milestones, chase dependencies, and keep all stakeholders aligned on status and next steps.
▸ Own end-to-end delivery — from requirements and planning through execution, testing, and post-launch review — making sure each project is followed through correctly from start to finish, not just handed off.
▸ Maintain a live project tracker/roadmap across all active commercial initiatives, giving leadership clear visibility into what's in flight and what's at risk.
▸ Flag delays, scope changes, or blockers early, and drive them to resolution rather than escalating and waiting.
Product Development & Lifecycle
▸ Design and refine micro-loan and consumer-lending products end to end — pricing, tenor, eligibility, and terms — based on commercial data and market demand.
▸ Set and adjust campaign parameters (limits, promotional rates, eligibility windows) to balance growth against risk appetite.
▸ Map and continuously optimize the borrower's user journey, from first application to disbursement, removing friction that costs conversions.
▸ Own the product roadmap for assigned lines, prioritizing enhancements by commercial impact.
*Retention Strategy & Campaigns*
▸ Design, execute, and iterate customer-retention programs that lift lifetime value and cut churn among active and passive borrowers.
▸ Build and run reactivations 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 to drive repeat borrowing without eroding margin.
*Marketing Duties*
▸ Align commercial targets with marketing strategy, translating growth goals into campaign briefs and content priorities.
▸ Oversee promotional campaigns end to end — concept, execution, and post-mortem — across digital, SMS, email, and offline channels.
▸ Own and manage 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.
▸ Organise tasks between collaborators with clear requests and deadlines.
Commercial Analytics & KPIs
▸ Monitor conversion rates, loan disbursement volumes, and act on projected delivery status on a proactive manner.
▸ 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 a problem.
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 needs for new products, campaigns, and partner channels.
▸ Align with Sales/Field teams so commercial strategy translates into what actually happens with borrowers on the ground.
**Requirements & Qualifications**
▸ Bachelor's degree in Business, Marketing, Finance, Economics, or a related field.
Experience
▸ 7–10 years' experience in financial services, microfinance, or fintech, with direct exposure to consumer loans or retail lending.
▸ Demonstrated ownership of a product, campaign, or business project end to end — not just supporting one.
▸ Hands-on experience writing business requirements documents (BRDs) and driving cross-functional projects from initiation through delivery.
Skills
▸ Strong data analysis and commercial reasoning — comfortable moving from a dashboard to a decision.
▸ Excellent business-requirements writing: able to turn a commercial need into a clear, actionable spec other teams can build from.
▸ Solid project-management discipline: can run multiple initiatives (product, campaign, partnership, system change) in parallel, follow each through to completion, and not let any drop.
▸ Confident commercial negotiator, whether with a merchant partner, an agency, or an internal stakeholder.
▸ Working understanding of automated credit-risk engines and how product/campaign design interacts with them.
Mindset
▸ Self-starter who builds the plan, not just executes someone else's.
▸ Analytical by default — instincts backed by numbers, not the other way around.
▸ Follows through: sees every project to a genuine finish rather than a handoff.
▸ Thrives working autonomously in a flat structure, without a team to delegate to and without needing one.
**Benefits**
ECFA Sh.a aims to create a unique work environment and takes pride in offering equal employment opportunities.
In addition to the salary for each position, ECFA Sh.a offers the following benefits:
*• For Specialist-level roles: Salary + Private Health Insurance Package*
*• Professional and interpersonal skills development training*
*• Various cultural, sports, and social activities and events*
**Application instructions**
If you consider yourself the right candidate to help foster the company culture, please submit your CV via the following link:
https://talent.sage.hr/jobs/cdd7e475-a0b4-4bca-a071-b1849c162b76
