Goli R.
Senior Product Manager Fintech
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About
Goli R. is a Senior Product Manager with over 5 years of experience in the fintech industry, specializing in BNPL, credit scoring, and B2B payments. She has successfully launched over 10 products, significantly contributing to increased approval rates, reduced fraud, and accelerated revenue growth. Her role at Jibit involves leading the development of a digital wallet and transitioning over 500 merchants to a prepaid model, which has reduced the receivables cycle by 40%. Her expertise extends to product strategy, data-driven experimentation like A/B testing, and stakeholder management, as evidenced by her past role at DigiPay, where she redesigned the credit scoring model and led cross-functional teams to launch innovative credit products. At MCI, she managed digital services for over 5 million users, optimizing features based on comprehensive user research. Goli holds an MBA from the University of Tehran and a Bachelor's in Industrial Engineering from Islamic Azad University.
Experience
Senior Product Manager
Jibit · 2025 — PresentDirected the development and introduction of a digital wallet while transitioning over 500 merchants to a prepaid model, thereby decreasing the receivables cycle by 40%. Conducted market and competitor analysis to identify and validate B2B fintech opportunities, influencing the product roadmap for 2025–2026. Spearheaded product discovery via user research, data analysis, and competitive benchmarking; established OKRs and prioritized initiatives utilizing the RICE framework. Managed cross-functional teams in engineering, design, legal, and risk to deliver compliant financial products that align with business KPIs. Enhanced product performance through A/B testing and cohort analysis to improve approval rates, transaction volume, and retention.Product Manager – BNPL & Credit Scoring
DigiPay · 2023 — 2025Revamped the credit scoring model, which led to a reduction in rejection rates from 77% to 52%, facilitating notable user growth. Achieved a rise in approval rates from 23% to 41% by employing data-driven segmentation and A/B testing, thereby optimizing decision logic and user targeting. Oversaw an 8-member cross-functional team encompassing engineering, data science, risk, and compliance to launch new credit products from start to finish. Developed and implemented a fraud detection system, which decreased fraudulent transactions by 30% while enhancing risk controls. Managed the complete product lifecycle, including API integrations with payment gateways.Product Owner – Digital Products
MCI (Hamrah-e Aval) · 2022 — 2023Handled the product roadmap for digital services catering to over 5 million users, prioritizing features based on user requirements and business significance. Established OKRs and KPIs while monitoring product performance with SQL and analytics tools to guide decision-making. Partnered with UX/UI designers to improve user experience, resulting in a 12% reduction in churn.
Skills & Expertise
Education
- MBAUniversity of Tehran · 2021 — 2023
- Bachelor's degree in Industrial EngineeringIslamic Azad University · 2015 — 2019