About Us

Pliant is a European fintech specializing in B2B payment solutions. Our modular, API-first platform helps businesses streamline spending, improve cash flow, and integrate payments into their financial workflows. Designed for industries with complex payment needs, such as travel and fleet, Pliant enables greater efficiency, control, and profitability.

We serve two primary customer segments:

• Companies looking to optimize operational processes through intuitive apps and APIs, gaining control, automation, and financial flexibility through extended credit lines.
• Businesses such as financial software platforms, ERP providers, and banks that want to launch or enhance their credit card offerings using Pliant’s embedded finance and white-label solutions.

Founded in 2020 and headquartered in Berlin, Pliant supports over 3,500 businesses and more than 20 partners globally. As a licensed e-money institution (EMI), we issue Visa-powered credit cards in 11 currencies across more than 30 countries, helping companies streamline and simplify payments.

Learn more at
www.getpliant.com

About the Role

As (Senior) Product Manager – Credit (m/f/d) at Pliant, you will own and evolve our credit decisioning and lifecycle management products, powering everything from onboarding and credit applications to internal underwriting tools and ongoing portfolio monitoring.

This is a high-impact, cross-functional role: you’ll shape how Pliant evaluates creditworthiness, scales credit limits, and manages exposure—directly influencing customer acquisition, operational efficiency, and risk outcomes across multiple markets.

You will report to the Head of Product (Growth), partner closely with our Credit & Risk teams, and collaborate with engineering, data, and compliance stakeholders to deliver robust, scalable, and auditable solutions.

What You’ll Do

• Own the roadmap for credit applications, limit management, and portfolio monitoring, driving measurable improvements in automation, approval times, and risk-adjusted growth.
• Design customer-facing credit experiences that are intuitive while meeting compliance and underwriting requirements.
• Translate complex credit and risk logic into productized flows, scoring models, and automation rules.
• Build and optimize internal underwriting and monitoring tools enabling efficient, accurate, and auditable decisions.
• Lead integrations with credit bureaus and third-party data providers, ensuring resilience, scalability, and data quality.
• Define and track core KPIs such as approval time, utilization, delinquency prediction, and operational throughput.
  
  

What You’ll Bring

• 3 - 6 years’ experience in product management, ideally in fintech, credit, lending, or risk automation.
• Strong understanding of credit products, underwriting, and lifecycle management.
• Exposure to credit bureau APIs, decision engines, or scoring systems.
• Comfort working with compliance-heavy, stateful systems and complex workflows.
• Strong systems thinking and ability to balance customer experience with risk control.
• Excellent communication skills across technical, operational, and leadership audiences.
• Fluent in English; additional European languages a plus.

WHAT WE OFFER

• The opportunity to work in a growing team with big responsibilities that thrives on a strong exchange of knowledge and excellence
• Attractive remuneration
• Your choice of preferred OS, Windows or Mac
• Flat hierarchy and transparent communication in a relaxed, professional atmosphere
• Opportunity to develop your talent in a dynamic team with ambitious goals
• Flexibility and possibility to work remotely
• Monthly mobility benefit
• Wellhub Membership
• Company card with a monthly allowance for lunches, coffee, etc. with co-workers