Director – Head of Products
About the job
- Collaborate effectively across all levels of the organization in a matrix environment.
- Communicate complex ideas clearly in writing and verbally, bridging technical teams, business stakeholders, and clients.
- Analyze information and solve problems, translating insights into actionable strategies and product decisions.
- Bring strong product experience across multiple domains such as Fraud, Credit Risk, Consumer Interactive, or Marketing Solutions, with a proven record of driving product strategy and commercialization.
- Work independently and cross-functionally, with strong organizational and prioritization skills.
- Experience in information solutions, software development, or the consumer credit or financial services industry is highly advantageous.
- Be willing to travel as required.
- Lead the development and execution of the Philippines product strategy across existing and emerging verticals, including product and data initiatives and strategic business development efforts.
- Own the Philippines product P&L and work with APAC and Global Product teams to translate regional and global strategies into locally relevant execution.
- Oversee end-to-end product management activities and lead a team responsible for product outcomes in the market.
- Establish and maintain a product governance and operating model, partnering with senior leadership on product portfolio, vertical market, and distribution channel strategies.
- Drive revenue growth, profitability, pricing, product lifecycle management, positioning, and go-to-market strategy, supported by market intelligence and competitive insights.
- Define product family strategy and roadmaps aligned with business and corporate objectives.
- Prioritize product pipelines and strategic initiatives, translating corporate priorities into actionable plans across business units.
- Align product strategies with organizational goals and growth ambitions, particularly across Fraud, Credit Risk, Consumer Interactive, and Marketing Solutions.
- Lead end-to-end development and launch of product extensions and enhancements, ensuring timely delivery and achievement of revenue targets.
- Evaluate product opportunities for feasibility and strategic fit to optimize resource allocation and portfolio performance.
- Drive innovation in fraud prevention, including identity, authentication, and device risk, and in credit risk decisioning, tailoring solutions to local market needs.
- Refine product strategies in response to market dynamics, internal priorities, and performance outcomes.
- Monitor product performance across segments and customer groups, identify opportunities to grow revenue and improve market penetration, and manage pricing strategies and financial models for ROI and business-target alignment.
- Serve as a subject matter expert to increase product understanding and adoption, improving product positioning and commercial effectiveness across consumer engagement, risk, and marketing use cases.
- Establish goals, performance metrics, and governance frameworks to track execution and success.
- Optimize product management and research workflows and processes for efficiency and scalability.
- Translate global initiatives, standards, tools, and processes into locally effective execution while adapting to market-specific needs.
- Share local initiatives, insights, outcomes, and feedback with global Centers to support continuous improvement and scalability.
- Identify and evaluate product opportunities aligned with evolving customer needs, and develop strategic partnerships supporting innovation in fraud, credit risk, consumer engagement, and marketing.
- Use market research and competitive intelligence to shape product portfolio strategy and support successful product launches.
- Analyze market trends, customer segments, purchasing behaviors, competitive conditions, and regulatory developments; turn findings into recommendations to improve offerings and market positioning.
- Build a resilient, scalable team through succession planning, knowledge sharing, and capability building; lead team development and workforce planning.
- Oversee budget planning and expense management, including variance analysis and cost optimization, and allocate resources to support team objectives and a culture of accountability and continuous improvement.
- Perform other related duties as assigned.
About the company
TransUnion is a global information and insights company. It collects and analyzes data to provide services for businesses and consumers. For business clients, it offers credit portfolio management, marketing solutions, and fraud detection to help manage risk and make informed decisions. For consumers, it provides tools to monitor personal credit, including credit reports and scores. The platform supports enterprise use by enabling storage, identity resolution, and protection for building traditional and generative AI models. TransUnion generates revenue through three segments: U.S. Markets, International, and Consumer Interactive. Its goal is to help customers understand and manage credit risk, prevent fraud, and derive actionable insights from large data assets.
Company Size
5,001-10,000
Company Stage
IPO
Headquarters
Chicago, Illinois
Founded
1968
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Simplify's Take
What believers are saying
- Q2 2026 revenue rose 15% to $1.31 billion, and guidance increased again.
- International growth accelerated in Canada, the U.K., and India after OneTru deployments.
- Snowflake integration and Universal Ads partnerships widen non-credit revenue beyond bureau cycles.
What critics are saying
- FTC and CFPB rental-screening litigation remains pending after June 2026, threatening penalties.
- Illinois layoffs already hit 640 workers by March 2024, signaling continuing cost pressure.
- Experian and Equifax can copy TransUnion's product bundling, eroding pricing by 2027.
What makes TransUnion unique
- TransUnion's OneTru migration hit 60% of U.S. matches by July 2026.
- TransUnion launched 40 AI products in first-half 2026, including TruIQ and TruValidate.
- TransUnion owns Trans Union de Mexico after March 2026, broadening North American data coverage.
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Benefits
Health Insurance
Dental Insurance
Vision Insurance
Mental Health Support
Disability Insurance
Paid Parental Leave
Adoption Assistance
Fertility Treatment Support
Legal Services
Long-Term Care Insurance
Commuter Benefits
Tuition Reimbursement
Charity Gift Matching
Employee Stock Purchase Plan
401(k) Retirement Plan
401(k) Company Match
Company News
TransUnion has launched First Look Functionality for Mortgage, allowing lenders to review credit insights before purchasing scores. The tool enables mortgage lenders to buy credit reports alone or with their chosen score, then request additional scores only when needed, without incurring the cost of a second report when eligibility conditions are met. The innovation follows TransUnion's extension of 99-cent VantageScore 4.0 mortgage pricing through 2028, with no charge when pulled alongside a FICO Score. Traditional mortgage workflows often require lenders to purchase credit scores early, leading to unnecessary fallout costs. The functionality works with both soft-pull and hard-pull workflows and is compatible with government-sponsored enterprises and Federal Housing Administration automated underwriting systems. It's available through mortgage resellers without requiring changes to existing selling guidelines or policies.
TransUnion has joined Universal Ads as an inaugural Audience partner, bringing its audience data into premium TV advertising inventory for app advertisers. The partnership extends cross-channel audience targeting and measurement from digital media to television. The move highlights how TransUnion is expanding uses of its data assets beyond traditional credit reporting. The integration allows app marketers to use consistent targeting across mobile, web, and connected TV platforms. TransUnion reported Q2 2026 sales of $1.31 billion and net income of $143.4 million. The company raised its full-year 2026 guidance to revenue of $5.13 billion to $5.16 billion and net income of $807 million to $821 million. Management has repurchased 5.67 million shares for $449.84 million under its current buyback programme.
TransUnion reported its tenth consecutive quarter of high single-digit revenue growth or better, achieving 10% organic constant currency growth in Q2 2026. The company raised its full-year adjusted diluted EPS guidance to 11-12% growth, reflecting strong first-half performance. U.S. Financial Services grew at a 9% CAGR excluding mortgage, driven by market share gains and innovation rather than underlying volumes. Over one-third of Financial Services revenue now comes from alternative data and non-credit solutions. The company's platform modernisation reached 60% of U.S. match activity migrated to OneTru, with completion expected by year-end. International operations accelerated to 6% organic growth, supported by recovery in India and strong performance in Canada and the UK. TransUnion reduced its leverage ratio to 2.6x, targeting below 2.5x long-term.
TransUnion reported second-quarter revenue of $1.31 billion, beating Wall Street expectations by 1.8% and marking 14.9% year-on-year growth. The credit reporting company also exceeded profit forecasts, with adjusted earnings per share of $1.23, 6.9% above analyst estimates. However, the company's revenue guidance for the next quarter disappointed, coming in 0.6% below expectations at $1.30 billion. TransUnion raised its full-year revenue guidance to $5.14 billion and lifted its adjusted earnings per share forecast to $4.79. Operating margin improved to 19.7%, up from 16.9% in the same quarter last year. Free cash flow margin also increased to 23.3% from 18.8%. Chief executive Chris Cartwright said TransUnion "delivered another strong quarter of outperformance".
TransUnion and ScanSource represent contrasting fortunes in the business services sector, which has lagged the S&P 500 with an 8% gain versus 10.8% over six months. TransUnion, one of America's three major credit bureaus, shows strong momentum with 11.6% annual revenue growth over five years and projected 11.4% growth ahead. The company's 10.1% free cash flow margin provides resources for reinvestment. At $79.84 per share, it trades at 16.4x forward P/E. ScanSource presents challenges. The technology distributor's sales fell 4.9% annually over two years, with Wall Street forecasting modest 2.4% growth. Its poor 3.4% free cash flow margin limits investment flexibility. The sector faces pressure from AI disruption and tightening corporate budgets, though quality businesses can still deliver earnings growth. TransUnion trades at $15.4 billion market capitalisation, whilst ScanSource stands at $1.11 billion.