Growth Manager (Consumer Loans)

Key Responsibilities
- Develop and own the roadmap for Consumer Loans, aligning with the bank’s retail, digital, risk, and profitability strategy.
- Define value propositions, pricing strategies, eligibility logic, repayment options, and competitive positioning for consumer loan products.
- Collaborate with internal teams (Risk, Credit, Operations, IT, Digital, Marketing, Sales, Legal, and Compliance) to ensure seamless delivery and compliance with regulatory standards.
- Lead initiatives to design and launch new lending products, digital loan journeys, pre-approved offers, POS/BNPL propositions, and customer segment-based loan packages.
- Benchmark against competitors and continuously improve loan propositions, approval journeys, pricing, fees, and customer experience.
- Development of normative-methodological & technical documentation related to consumer lending products, processes, tariffs, and customer journeys.
Growth & Business Development
- Develop and execute strategies to increase customer acquisition, activation, conversion, and engagement with consumer loan products.
- Lead growth initiatives to increase loan applications, approval-to-disbursement conversion, digital lending adoption, repeat usage, cross-sell, and portfolio growth.
- Work with marketing, sales, branches, contact center, and digital channels to design campaigns that drive quality demand and profitable loan disbursements.
- Monitor key growth, portfolio, profitability, and risk metrics & identify new opportunities for innovation and optimization.
- Build partnerships with merchants, fintechs, ecosystems, and distribution channels to strengthen consumer lending propositions and reach.
Qualifications & Experience
- Bachelor’s or Master’s degree in Business, Finance, Marketing, Economics, Banking or related field.
- 2–3 years of experience in Product Management, Growth, Business Development, Consumer Lending, Digital Lending or Retail Banking.
- Understanding of consumer lending economics, credit products, loan origination processes, scoring principles, digital banking trends and portfolio management.
- Ability to translate analytics, funnel data, customer insights, and portfolio performance into actionable growth and product decisions.
- Strong communication, stakeholder management and leadership skills.
- Knowledge of RA legislation regarding banking, consumer lending, credit products and customer protection requirements.
- Proficiency in Armenian, Russian, and English (written and spoken) is required.
Key Competencies
- Strategic Thinking – ability to define vision, roadmap, and growth strategy.
- Customer-Centric Mindset – designing lending products and journeys that are simple, transparent, and valuable for customers.
- Analytical & Data-Driven – using data to guide product, growth, profitability, and risk-adjusted decisions.
- Execution & Ownership – delivering results in fast-paced, cross-functional environments.
- Innovation-Oriented – bringing new ideas, partnerships, automation, and digital-first thinking to consumer lending.

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Updated 23.01.2026 12:57