Product Manager 2

Job description

**What we are looking for:** ● 4-8 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 Big Query 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 and mitigate 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