Product Manager

Job Title: Product Manager

Location: Mumbai / India

Experience: 2–5 Years

Reporting To: CEO / CBO

About the Role:

We are building a full-stack digital lending platform — spanning Loan Origination (LOS), Loan Management (LMS), underwriting, disbursements, and collections.

We are looking for a Product Manager who will own critical product surfaces end-to-end, driving both growth and correctness across the lending lifecycle.

This is not a coordination role. This is a high-ownership, execution-heavy role where you will:

● Sit at the intersection of business, risk, and engineering

● Drive measurable improvements in conversion, approval quality, and unit economics

● Build products that handle real money, real compliance, and real-world edge cases

What You Will Own:

You will own key journeys across the lending funnel:

● Onboarding & Acquisition (lead capture → application)

● KYC & Identity Flows (Digilocker, CKYC, eKYC, etc.)

● Credit Decisioning (bureau, rules, underwriting UX)

● Loan Lifecycle (approval → disbursement → repayment experience)

You are accountable for both:

● User experience (conversion, drop-offs)

● Business outcomes (approval rates, risk, revenue)

Key Responsibilities:

1. End-to-End Product Ownership

● Own product areas from problem discovery → PRD → launch → integration

● Act as the single-threaded owner for your product surfaces

● Make clear trade-offs between growth, risk, compliance, and engineering complexity

2. Product Strategy & Roadmap

● Define and drive the roadmap aligned with:

○ Business growth targets

○ Risk and compliance constraints

○ Operational efficiency

● Identify high-leverage opportunities across the funnel:

○ Reduce KYC friction

○ Improve approval rates without worsening credit quality

○ Optimize disbursement speed and reliability

3. Deep Customer & Funnel Understanding

● Build a granular understanding of:

○ User behavior across onboarding and KYC flows

○ Drop-offs at each stage

○ Credit and approval bottlenecks

● Spend time with:

○ Ops teams (credit, collections)

○ Real user journeys (calls, replays, data)

4. Metrics Ownership & Data-Driven Decisions

● Define and own key metrics:

○ Conversion rates (step-wise funnel)

○ Approval rates

○ Drop-offs

○ Disbursement success rate

● Use SQL, dashboards, and raw data to:

○ Diagnose problems independently

○ Generate actionable insights

● Translate insights into clear product decisions

5. Execution Excellence

● Write high-quality PRDs and specs that engineers can execute without ambiguity

● Prioritize ruthlessly:

○ Balance speed vs correctness (especially for money flows)

● Drive execution across teams:

○ Engineering

○ Data Science

○ Risk

○ Compliance

● Ensure on-time, high-quality releases

6. Experimentation & Growth

● Design and run A/B experiments across:

○ KYC flows (Digilocker, document upload)

○ Application UX

○ Loan offers and pricing display

● Continuously optimize:

○ Funnel conversion

○ Time-to-disbursement

○ User experience

7. Cross-Functional Leadership

● Act as the glue between:

○ Engineering (build)

○ Risk (credit policies)

○ Compliance (regulations)

○ Business (growth targets)

● Drive alignment without relying on hierarchy

8. Fintech & Regulatory Thinking

● Build products that are:

○ Compliant by design

○ Audit-friendly

● Incorporate:

○ RBI Digital Lending Guidelines

○ KYC / PMLA requirements

● Understand implications of product decisions on:

○ Risk

○ Collections

○ Financial reporting

Must-Have Skills:

● 2–5 years of experience in Product Management

● Strong understanding of fintech / lending / NBFC ecosystem

● Hands-on experience with SQL and data analysis

● Proven track record of improving product and business metrics

● Strong written and verbal communication

● Ability to work with ambiguity and high ownership environments

Why Join Us:

● Own mission-critical lending journeys end-to-end

● Work directly with founders of a listed NBFC.

● Build products in a regulated, high-impact environment

● High ownership, fast execution, real financial impact

● Core employees get the perk of the larger upside