Job Overview

We are looking for an experienced Product Manager to join our Lending Product team.This is a high-ownership role where you will take end-to-end responsibility for identifying opportunities, crafting requirements/PRDs, executing launches, and driving growth across our lending products — including personal loans, credit lines, and emerging lending formats — for millions of Indian users. You will work closely with stakeholders across product, engineering, risk, legal, and compliance to shape detailed product and business requirements, ensuring seamless delivery while adhering to the highest standards of regulatory compliance and data sensitivity.

You will be responsible for managing engagement with internal and external third parties, including RBI-regulated entities, NBFCs, and banking partners. Along with that, contribute to the development of the overall product strategy, product roadmap, and business plan, with deep accountability for compliance and regulatory requirements at every stage. You will use data, metrics, large datasets, and qualitative customer inputs to create the product roadmap and work with Engineering and Design teams for delivery. You will handle sensitive customer and financial data with utmost care and governance. In essence, you’ll be one of those leading the charge in building best-in-class lending product experiences for millions.

What we are looking for:

● 4+ years of work experience in a product management role, preferably in fintech, lending, or credit products

● Experience with product-led journeys for financial products, ideation and funnel improvements

● Nice to have: Proven experience building lending or credit product flows, loan origination journeys, underwriting experiences, and repayment flows in Indian digital finance. Deep understanding of the lending ecosystem, customer behavior, RBI/NBFC regulatory requirements, FLDG norms, KYC/AML compliance, and India’s credit infrastructure

● Good track record in designing product solutions to solve business problems. Obsessed with providing the highest quality product and experience to the customer

● Ability to create a strategic product roadmap to achieve business objectives and get buy-ins from senior stakeholders. Effectively use 80/20 to identify projects/initiatives with biggest impact

● Experience in working with Engineering to drive the product roadmap. Ability to organize, manage, and prioritize tasks with engineering through multiple product release cycles

● Strong analytical skills with hands-on experience working with large datasets; proficiency in SQL, Python, and BigQuery for data analysis, experimentation, and insight generation. Comfortable working directly with data pipelines and BI tools to drive data-informed decisions

● Experience in leading cross-functional teams in delivery of new products or services

● Ability to work in a fast-paced environment where the requirements are constantly changing

● Sound understanding of compliance and regulatory requirements in the Indian lending landscape — including RBI guidelines, Fair Practices Code, digital lending norms, data localization, and privacy obligations (DPDPA). Ability to embed regulatory thinking into product design from day one

● High ownership mindset with strong accountability for outcomes, especially in a sensitive data environment. Experience handling PII, financial data, and credit bureau data responsibly, with a solid grasp of data governance and security best practices

● Fair understanding of AI/ML workflows and the ability to collaborate with data science teams to build AI-native product features — such as smart underwriting, personalized loan offers, intelligent nudges, and conversational loan servicing. Curiosity to leverage LLMs and generative AI in building next-gen lending experiences

As a Product Manager you will:

● Develop a deep understanding of your product area — lending flows, credit lifecycle, underwriting logic, and the broader Indian lending ecosystem — and translate that into impactful product decisions

● Conduct in-depth user research to understand user needs, pain points, and behaviors.

● Use data, metrics and qualitative customer inputs to define the product roadmap for the short, medium and long term.

● Own the product/business metrics for features & product releases

● Create quality PRDs, work and with Engineering and UI/UX team to deliver product releases with top notch app experiences.

● Constantly analyse the product performance against ROI, KPIs, and other metrics to improve performance.

● Work hands-on with large datasets using SQL, Python, and BigQuery to analyze user behavior, monitor product health, run experiments, and generate actionable insights.

● Collaborate with different teams and senior leadership to drive the product agenda.

● Ensure all product features and flows adhere to applicable regulatory frameworks— RBI digital lending guidelines, Fair Practices Code, KYC/AML norms, and DPDPA. Work closely with the legal and compliance teams to proactively identify andmitigate regulatory risks before they become blockers.

● Manage and govern access to sensitive customer data (PII, financial records, bureau data) with strong data stewardship practices. Drive privacy-by-design principles across product development.

● Partner with data science and ML teams to ideate, prioritize, and ship AI-native lending features — such as intelligent credit decisioning, personalized offer engines, risk-based pricing, and AI-powered customer servicing — with a keen understanding of model inputs, outputs, and product trade-offs