Senior Product Manager, Credit Bureau Scores

hace 1 mes

Madrid, España Experian A tiempo completo

Company Description
**Experian’s a leading Analytics Enterprise**

We’re passionate about unlocking the power of data in order to transform lives and create opportunities for consumers, businesses and society. For more than 125 years, we’ve helped businesses grow, consumers and small businesses gain access to financial services, and economies and communities flourish - and we’re not done

**Our 20k amazing employees in 44+ countries** believe the possibilities for you, and the world, are growing. We’re investing in the future, through new technologies, talented people and innovation so we can help create a better tomorrow

To do this we employ the greatest and brightest minds that share our purpose and want to make a difference. We’re avid problem solvers. We embrace our diversity yet share similar values and growth mindsets

**What’s your next professional and personal goal?** Let Experian help bring this to life

**Job Description**:
An exciting opportunity to join Experian’s EMEA & APAC team and lead the regional productisation of Credit Bureau scores. This role includes ownership of the product strategy, the PnL success and innovation across a broad range of geographies in EMEA & APAC. There is a significant opportunity for cross-fertilization of ideas and innovation whilst defining the benchmarks for best practice across the individual Credit Bureaus within our region.

The Credit Bureau score product portfolio is a key growth pillar for Experian EMEA & APAC and forms part of a rapidly growing portfolio of products designed to be a catalyst for growth in the region.

**What you’ll be Accountable for**:

- Overall Product Management ownership for Credit Bureau scores at a regional level.
- Driving PnL outcomes taking accountability for top line growth (Revenue) and bottom line (EBIT)
- Building the Credit Bureau scores roadmap defining short, medium and long-term views for the evolution of all relevant scores.
- Driving innovation to create new Credit Bureau scores.
- Monitoring, enhancement and sunsetting of existing CB scores where necessary.
- Building go-to-market plans in collaboration with Market based Credit bureau teams (both local products and marketing leads).
- Lead Business Case production in line with execution of the roadmap defining investment scale and Return on Investment, payback etc.
- Working closely with the Analytics team (who build the scores) to ensure requirements are met and that there is close interlock with the Market centric GTM activity.
- Help produce GTM documentation and tools to aid sales enablement in close collaboration with the Market teams.
- Creating an Innovation process which brings together the various Credit Bureau communities and facilitates the sharing of ideas in a cross-fertilization process.

**Product scope**
- The following are examples of the type of scores, the final list of products in still WIP:

- Delphi scores (New Business, Customer management, Collections, GeoDelphi, Commercial)
- Consumer Debit Index
- Fraud Scores
- Thin-file Score
- Nerverpay Score
- Energy Score
- Finance Score
- Bankruptcy Score
- GAR model
- Sigma score, enhanced with Trended attributes
- Nerverpay Score (ML)
- Energy Score (ML)
- Finance Score (ML)
- eCommerce Score (ML)
- Commercial Score + Premier attr. (POC)
- Early warning scores

**Revenue**
- Revenues by product and by country highlighting strong and weak performing scores.
- Produce revenue forecasts in line with business cases, in-year and future year revenue forecasts.
- Revenue forecasts to include both ‘top down’ market perspective and ‘bottom up’ unit sales perspectives.
- Forecasting for budget planning and in-year revenue performance.

**PnL**
- Produce business case and customer specific delivery costs for input to product and customer specific business cases
- Drive cost efficiency through careful planning and through efficient use of platform infrastructure and virtual resources in order to drive lower unit costs to maximize commercial flexibility in the market.
- Manage the regional budget for Credit Bureau Scores and report to the leadership on a regular basis.

**Product Development**
- Work closely with the regional and global technology and product teams to keep up-to-date with key roadmap developments and produce a platform roadmap for the region which will inform and enable Product development / feature roadmap.
- Work closely with the regional & Market Product and commercial leads to develop business cases for new products and services, producing cost and project timeline inputs to business cases.
- Appoint the product development ‘constructors’, manage the commercial agreements as appropriate.

**Programme Management**
- Manage the programme of Product delivery through a programme office delivering to internally and externally (customer) committed dates.
- Create and own Risk management register for product development activities
- Bring in broader stakeholders and ap

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