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