Product Manager, Credit Limit Platform – Credit Limit Platform

Job Description

Senior Credit Product Manager (Credit Limit Focus) | DiDi Chuxing

The Tone:
This is a full-time role at DiDi Chuxing, located in China. DiDi Chuxing is a leading global mobile transportation platform that has expanded into various services, including financial technology. In this role, you will be crucial in developing and optimizing the core credit limit products within DiDi’s financial services ecosystem. Your work will directly impact how users access and manage credit, driving the evolution of our financial product offerings and supporting business growth across multiple markets.

The TL;DR
• Role: Full Time
• Type: Full-time
• Location: In-person China

• Mission: Own the end-to-end product lifecycle for credit limit products, driving platform development, and ensuring successful delivery of financial service innovations.

What You’ll Actually Do
• Product Ownership: Lead the end-to-end product lifecycle for credit limit capabilities, covering the design and continuous optimization of features related to granting, adjusting, utilizing, and recovering credit lines.
• Platform Development: Drive the strategic development of a flexible, configurable, and reusable credit limit platform by abstracting common functionalities from complex business requirements, enabling rapid integration across diverse business lines and new markets.
• Project Management: Independently manage and deliver medium-to-large scale product projects, taking full ownership from initial demand analysis and solution design through to development and successful launch, while coordinating critical stakeholders including business, risk control, transactions, and engineering teams.
• Strategic Contribution: Actively participate in the long-term product planning for the credit domain, identifying opportunities to enhance capabilities and evolve the architectural foundation based on evolving business needs and system advancements.

The Must-Haves
• Background: Senior-level professional with a strong foundation in internet finance or credit-related product management, specifically with experience in credit limits, credit approval, risk control, or credit middle/back-office systems.
• Experience: A minimum of 5 years of hands-on product experience within the internet finance or credit industry. Demonstrated experience in credit limit, credit approval, risk control, or credit middle/back-office functions is highly preferred.
• Skills: Possess strong systematic product design capabilities, including the ability to abstract complex business requirements into clear business models and develop general, scalable product functionalities. Proven track record as a project owner capable of independently driving and delivering complex, cross-functional projects, coupled with strong structured thinking, sharp product judgment, and excellent cross-team communication and influencing abilities.
• Bonus: Prior experience in building or managing credit limit platforms, credit approval platforms, or credit middle office systems. Additional experience with multi-business line, multi-country, or international credit business operations is a distinct advantage.